Account-to-Account

The Future of
Bank Payments

Let customers pay directly from their bank — no card details, no chargebacks, no friction. Fast, secure transfers at a fraction of card costs.

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Phone and laptop showing the Flik account-to-account payment screen

Working with New Zealand's leading banks.

How It Works

Direct from bank. No card details.

When a customer selects Account-to-Account at checkout, they are securely redirected to their bank app to authorise the payment directly. No card details are entered — the payment is made straight from their account to yours.

  • Funds typically arrive within 2 hours on business days
  • Both you and your customer receive instant payment confirmation
  • Compatible with all major New Zealand banks — ANZ, ASB, BNZ, Westpac
  • Payments authorised using the customer's existing bank security (biometrics, PIN)
Customer selects A2A at checkout
Alongside card and wallet options
Redirected to their bank app
Secure, certified Open Banking redirect
Payment authorised in-app
Using their bank's own security
Instant confirmation sent
To customer and merchant simultaneously

How It Works

Simple for you. Simple for your customers.

Benefits

Why businesses love A2A

Lower Fees

At just 0.5% (capped at $2.50), A2A payments are up to 70% cheaper than traditional card processing.

Low Fraud Risk

Payments are authorised directly in the customer's bank app. No card details change hands, lowering fraud risk.

Instant Confirmation

Get real-time payment confirmation the moment the customer approves. No waiting, no uncertainty.

Start saving on every transaction

Add A2A payments to your checkout and save up to 70% on fees.

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