Ways to pay online

New Zealand spent more than $3 billion in online retail sales last year.

16mar ways to pay online hero

We spent more than $3 billion in online retail sales last year. Just over half was spent with New Zealand retailers. This was up 13 percent from 2014.

Credit & debit cards

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Digital wallets

Digital wallets

16mar ways to pay online digital wallets

Digital wallets

“Digital wallets” are a way to store your card information online. Visa Checkout, MasterCard’s MasterPass and PayPal are digital wallets.

Register your existing cards online and when you make a purchase from a participating merchant you won’t need to input your card or address details. You just enter a password when prompted and select which card and address to use. Visa Checkout and MasterPass even let you store each other’s cards with them.

Digital wallets are handy if you’re shopping on a smartphone, as it takes away the hassle of cramming your card number into a digital keyboard.

The only fees for using a digital wallet are those associated with making payment via credit or debit card.

Fraud protection

For an extra level of fraud protection, you can register your Visa or MasterCard with their verification schemes, Verified by Visa or MasterCard Secure Code. Kiwibank, ANZ and ASB cardholders are automatically registered.

When you buy from a participating merchant you’re prompted to enter a password or answer security questions. If someone else is trying to use your card details, they need to know the password or answers or they can’t proceed. Banks may implement it for all transactions or just those they think are unusual.

ASB also has Card Control where you can turn off the ability for online transactions. If a transaction is attempted, you receive a notification from ASB.

Banks also use software to monitor card transactions and alert them to suspicious activity – whether online or in-store. Banks can quickly block cards and contact the cardholder to check whether a transaction is genuine.


Complaints about online shopping are on the rise. They made up a third of Fair Trading Act complaints to the Commerce Commission in 2014. If you have a problem with a trader advertising or selling in New Zealand, you have rights under the Fair Trading Act and Consumer Guarantees Act. If you feel claims are misleading or information is false, make a complaint to the Commerce Commission. If the goods you buy aren’t of acceptable quality or fail to meet the guarantees you’re entitled to under the Consumer Guarantees Act, contact the trader and ask it to put things right. If you can’t resolve it directly with the trader, you can lodge a claim with the Disputes Tribunal.

If you have issues with an overseas trader, inform the Commerce Commission and lodge a complaint with the international watchdog. Your complaints help 34 consumer protection agencies around the world spot trends and work together to prevent international scams. The site also has information about other steps you can take to combat fraud and resolve complaints.

Our tips

  • Only buy from sites that encrypt your payment details – check for the padlock symbol and https:// in the address bar.
  • If your credit or debit card isn’t already registered with Verified by Visa or MasterCard Secure Code, register it for extra fraud protection.
  • Check your statements regularly and alert your bank quickly if anything looks unusual.
  • Traders operating here are required to comply with the Fair Trading Act and Consumer Guarantees Act. But you won’t be protected by these laws if you’re shopping on overseas sites.

Report by Kate Sluka.

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