To make sales as accessible as possible for your customers, broadening your payment options is an excellent path to take.

While it may seem that credit cards are a challenging option, at Qippay, we are here to make it easy. Read on to learn how to accept credit card payments for small businesses.

To ensure that you’re intentionally facilitating sales, we recommend having a range of payment options available for your clients. You want your business to be as easy and accessible as possible.

Contactless and digital payment methods are so common that many customers expect to see them everywhere. With only 2% of New Zealand’s money in cash form, few people even carry it on them anymore!

Carrying a card makes it easier for your customers to make payments and spend more.

Accessible, simple payment options will bring more customers to you, which is why it is 100% worth staying ahead of the game when it comes to how your business gets its money.

Accept credit cards as a small business with Qippay

With Qippay, you can take control of your cash flow. Read on to learn about our game-changing products, Qippay Accept and Qippay QR.


You can accept credit card payments at no cost to your business. Our services operate by transferring the fees that you normally would get charged in each transaction to your customer. Alternatively, you may wish to talk to our team about the split fee option.

Save yourself the trouble of dealing with the painstaking rigmarole with banks of setting up time-consuming and expensive payment options. We have all the hardware sorted, making signing up easy for you.

Simply download our app, sign in for free, and send invoices online with Qippay Accept. Your customers will get directed to an easy payment portal with one click. They choose a payment method and avoid the trouble of bank transfers or cash payments when they pay you.

Instead of paying thousands of dollars a year on transaction fees, you can save this money by transferring the burden to your clients. When broken up into tiny chunks, it is far easier for everybody if your consumers pay your fees.


Our contactless credit card payment solution eliminates the need for Paywave.

This form of payment allows your business to generate a unique QR Code on your smartphone or tablet with your customer’s purchasing information. Your customers can now make contact-free payments, saving the hassle of cash, cards, and bank transfers.

Signing up for Qippay QR is also absolutely free. We will generate a QR Code for your business that you can show your customers. Scanning the QR Code with their smartphone or tablet will take your customers to a payment page.

As with Accept, Qippay QR protects you from paying merchant fees by charging the customer a small percentage extra instead.

Why credit card payments are so essential for your business

When you learn how to accept credit cards as a small business, you will be able to meet the demands of an increasingly cash-free nation.

It might seem as if offering credit card payment options would be unnecessarily costly to your business. The small percentage charged to merchants with every transaction quickly adds up. Combined with monthly fees, authorisation costs, and assessment fees, these costs make up a far higher percentage of a small business’s cash flow than large businesses.

Over two-thirds of small businesses have felt a negative impact since the Covid-19 pandemic hit New Zealand. Since large companies find it easier to cover credit card fees, running a local business was a challenge before the pandemic, let alone now. The number of small enterprises that grew in 2019 had almost halved by 2020.

At Qippay, we believe that accepting credit card payments is how to get your small business on its feet and keep it that way.

Consumers show a strong preference for credit card payments. Your customers are far more likely to pay via credit card than cash, even if the service costs a little more, because of how easy they are to use. With credit cards, consumers now can make purchases online, never having to leave their home, look for cash or a card to pay with, or bother with bank transfers.

First-time customers will be drawn to your business when payment options are more accessible. When you offer a user-friendly payment portal, you will get more money than ever.

Customers paying by credit card, compared to cash, spend on average 15% more. This easily balances out the extra cost to your customers who use our Qip payment solutions. Credit card payments require less psychological processing than cash payments, which means the loss of money feels less tangible when paying by credit card than with cash.

Even with the slight extra cost, your customers will be more willing to hand over their money using our payment tools. It is easier to make payments online or via credit card than to use cash or cheques.

Boost your business with Qippay today

Qippay started with a group of small business owners and finance and IT experts sitting around a table discussing how to make it easier for businesses to thrive in challenging times.

While it might seem easier for your business to make a profit when avoiding credit card options, the opposite is true. Look hard at credit card solutions, and you will find that you can skip merchant fees altogether, thereby bringing in far more money with Qippay. Consumers simply don’t want to be restricted to cash options anymore, and they will get put off by a lack of versatility, facility, and flexibility.

Once consumers open up to online payments and use credit cards, they are unlikely to turn back to traditional payment systems. The easiest way to make purchases will almost always be the one that your customers turn to, which is why the best way to make money is to learn how to accept credit cards for your small business.

Take control of your cash flow, earn more money, and gain a broader customer base with one easy step. Don’t waste your time or break your bank; start using Qippay.