In New Zealand, where card and wallet payments are commonplace, Google Pay is a means of simplifying web and app payments for Android users. Because tokenized information is transmitted instead of the actual card number and approval is granted through device unlock or biometric authentication, it connects naturally with the online authentication (3-D Secure) flow without directly collecting card details. It is common to introduce it alongside Apple Pay to cover both device ecosystems.

The checkout-shortening effect is significant for direct-to-consumer sites selling low-price, repeat-purchase items such as everyday goods or digital content, and for merchants with heavy mobile web traffic. It's not enough to simply display the payment button — it's important to test how behavior differs across supported channels in advance, such as Chrome autofill payments versus in-app payments.

When a consumer taps the Google Pay button, the list of cards saved to their account is displayed, and once they select one and approve it with device authentication, the transaction is processed using the tokenized card information. Hecto Financial receives the approved payment in NZD, converts it, and settles it in the currency the merchant has contracted for.

Through Hecto Financial, a business in Korea can consider Google Pay payments targeting New Zealand without a local contract. The supported channels (web, app) and fee conditions vary depending on the merchant's setup, so a consultation is required before signing a contract.

• Country of business registration

  Confirm contract eligibility for businesses registered in Korea

• Sales channels

  The integration method and priority vary depending on your online sales channel mix, such as direct-to-consumer sites, open marketplaces, and mobile apps

• Product categories handled

  You must confirm in advance whether your products fall under a category restricted by Google Pay's merchant policies

• Compliance with local regulations

  You must confirm compliance with New Zealand's payment and foreign exchange regulations (under the jurisdiction of the RBNZ and FMA) (see official sources below)

New Zealand transaction proceeds are received by Hecto Financial in NZD, then converted and paid out in USD, KRW, or JPY as selected in the contract. The exchange rate basis applied per currency and the settlement cycle are contract terms. Refunds are returned to the original card used for the transaction, so please make sure to reflect the expected processing time in your customer information.

• Reserve Bank of New Zealand (RBNZ), Financial Markets Authority (FMA)Official information on New Zealand's payment systems and financial market regulations. If this page's content differs from the actual regulations, the official source takes precedence.