Cuscal Paymark
Online EFTPOS

Open a new way for your customers to pay

Accept payments from a customers bank account with one of the most secure payments available.

Read more | Cuscal Paymark

Online EFTPOS enables your customers to pay online with their smart phone - without any cards.

To pay, customers simply enter their mobile number and select their bank on your payments page, then they approve the payment on their mobile banking app.

That's it, it’s the safer and easier way to pay online, your customers never need expose their payment or banking credentials.

We're also an accredited requestor under the Consumer Data Right and regulated by MBIE so your customers information always stays safe.

 

Online EFTPOS makes your business better

New Customers

Give customers choice at checkout & reach customers without the need for a card.

Better Cashflow

Overnight settlement of your funds and no charge backs.

Faster Checkout

Trusted by Online EFTPOS enables one click transactions and speeds up the check out process significantly.

Secure and Easy

Highest levels of fraud protection. Simple integration with your payment page. Easy management and reporting tools.

24/7 local support and over 30 years’ of Kiwi know-how

Cuscal Paymark provides our customers with round-the-clock local support. We know the New Zealand market, the challenges of selling from Aotearoa to the world, and how to keep you safe.

The attractive choice for customers

So easy to pay

“So easy to pay that way instead of entering credit card details online, and needing to pay off purchases each month”

No second transfer needed

“This means it can come straight off my main account instead of using the credit card and transferring money over to pay for it!”

Don't have my card on me

“Super handy for those days I don't have my card on me but there's a good special”

Pay straight away, no debt

“Great to be able to be pay for something straight away from my account instead of locking up debt with the credit card!”

I don’t have a credit card

“Simply put - I don't own a credit or debit plus card! This would be faster than paying via internet banking too so would be the preference”

So easy without passwords

“I don't have to remember passwords or credit card numbers, oh lord this could get out of hand very quickly”

Designed for developers

Flexible and Easy Integration

You could be up and running with Online EFTPOS within 24 hours.

Sandbox Testing

Try our sandbox integration so you can test without having to use actual payment data.

Compliance Friendly

Because Online EFTPOS doesn’t use credit card details, you can enjoy full security without the burden of PCI compliance.

Proven Partnerships

Integrations with our partners means the hard work is done for you.

Find everything you need to know about the Online
EFTPOS technical integration and gain access to all
API documentation

View Technical Docs ›

On Adobe Commerce or Magento? Add Online EFTPOS with a ready-made extension.

Learn more ›

Trusted and Transformative

100’s of clever Kiwi retailers already use Online EFTPOS at checkout

What our customers are saying

With Tearfund already using several payment options through Paymark, when it came to implementing Online EFTPOS it was a natural choice to continue working with them. We were looking for a solution that would reduce transaction costs without adding complexity for our donors or our team, and Online EFTPOS delivered exactly that. The integration was straightforward, the APIs were developer-friendly, and the Paymark team provided knowledgeable and proactive support throughout the process. From our initial discussions through to go-live, the experience was seamless, resulting in a modern and efficient donation option that helps us maximise the value of every contribution we receive.

Tammy Frazer

Information Technology Business Solutions Manager at Tearfund New Zealand.

OE trusted has been a fantastic enhancement to the payment options that we offer our customers. The experience is simple and fast, and we can see from usage that our customers value the ease and convenience it offers.

Lachlan Alford

Payments Manager at Entain | Australia & New Zealand

Just letting you know we've enabled Online EFTPOS on our site, and orders are flowing! No major issues so far, but I'll let you know if anything comes up. Thanks for your help getting us through the onboarding process quickly and efficiently. May the partnership last long.

Fishpond NZ

Integrating with Paymark - Online EFTPOS open banking platform has been one of the most straightforward payment projects we’ve delivered. From the outset, the APIs were clean, well structured, and intuitive to work with. Our developers had the integration up and running far faster than we anticipated, within a couple of days, thanks in large part to the Paymark dedicated dev to dev support. Having direct access to the Paymark engineering team meant questions were answered in hours, not days, and we avoided the usual back and forth that slows projects down.
As part of this journey, we moved away from a screen scraping account to account payment method to a far more secure, API based open banking approach. The uplift in security has been significant, delivering zero fraud and giving both our team and our customers real peace of mind.
Online EFTPOS platform feels purpose built for the New Zealand market at scale. It’s robust, reliable, and gives us confidence as we continue to grow and handle increasing transaction volumes. From a commercial perspective, the benefits have also been substantial. With a pricing model clearly designed for scale, and by shifting volume away from traditional card schemes to Online EFTPOS, we’ve achieved meaningful cost savings that directly impact our bottom line.
Overall, this has been a highly effective partnership, fast to implement, easy to work with, and delivering real operational simplicity alongside tangible financial benefits.
For any New Zealand business looking to modernise payments, reduce costs, and improve security without compromising on reliability, Paymark is a standout partner.

Head of Payments, Leading NZ Telco

Let’s work together

Expand your online payment options at low-cost. Get in touch with our team to learn more about Online EFTPOS including integration and pricing options.

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