Sick of high transaction fees?

Here at Flik we are dedicated to low fees on our payment gateway, so you keep more of the sale.

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Payment Solutions

Choose the perfect payment method for your business

Flik Online

Integrate secure card and bank payments directly into your website or e-commerce platform

  • Accept cards and bank transfers
  • Secure authentication
  • Easy checkout integration
  • Real-time payment confirmation
  • Lower transaction fees

Flik Squares

Accept card and bank payments in-store with QR codes - no additional hardware required

  • QR code scanning
  • Works on any smartphone
  • Great for in-store or on the go
  • Instant payment processing
  • Easy setup and deployment

Flik Links

Create shareable payment links for invoices - accept cards or bank transfers

  • One-off payment links
  • No integration required
  • Share via email or text
  • Instant payment notifications
  • Perfect for invoicing

Working with leading card networks and banks.

How to sign up to Flik

1

Sign up to Flik: Fill out a quick and easy application which takes less than 5 minutes.

2

Leave it with us: We will conduct due diligence on your application as per anti-money laundering requirements. We will notify you once this has been completed.

3

Add Flik to your checkout system: Flik can be integrated into your online cart, integrated into your in-store system, or create payment forms/links.

How it works

Flik lets your customers pay directly from their bank account, without having to register with us. When they pay through Flik, there is no need for inputting card details, or giving away their bank details to an unregistered third party. We work with the banks to provide secure, streamlined payments from any device.View our payment flow.

Frequently Asked Questions

General
How does Flik work?

Flik connects your business to multiple payment methods through a single integration. Customers can pay by card, directly from their bank account (Account-to-Account), or via digital wallet — all processed securely through our platform.

Is it easy to set up?

Yes. Once your application is approved, you can integrate Flik using our pre-built plugins for major e-commerce platforms, or via our REST API for custom setups. Our team is available to help every step of the way.

How long does it take to get started?

The application process takes less than 5 minutes. Once submitted, we'll conduct due diligence and notify you when you're approved. Most merchants are up and running within a few business days.

Can you help with the integration?

Absolutely. Our team provides hands-on integration support, and we offer comprehensive documentation, sandbox environments, and pre-built plugins to make the process as smooth as possible.

When will I receive my payments?

For Account-to-Account payments, funds typically arrive within 2 hours on business days. Card payment settlement timelines depend on your agreed settlement schedule — our team can walk you through the specifics.

How do I know if a payment has been made?

Flik provides real-time payment notifications and a merchant portal where you can view all transactions, payment statuses, and settlement information at any time.

Who can use Flik?

Flik is designed for New Zealand businesses of all sizes — from startups and SMEs to large enterprises. We support a wide range of industries and business models, both online and in-store.

Support
What are your support hours?

Our support team is available during standard New Zealand business hours. For urgent issues, you can also reach us via our live chat or submit a ticket through the portal and we'll get back to you as quickly as possible.

How are planned outages handled?

We communicate planned maintenance windows in advance via email and our portal. We schedule maintenance during off-peak hours to minimise any disruption to your business.

How are disputes handled?

For card payment disputes, our automated chargeback management system handles the process and keeps you informed. For Account-to-Account disputes, our support team works directly with the relevant bank and parties to reach a resolution.

How do refunds work?

Refunds can be initiated directly through the Flik merchant portal. For card payments, refunds are processed back to the original card. For Account-to-Account payments, refunds are processed back to the customer's bank account.