Unveiling the Best Payment Gateways for NZ Shopify Businesses: HitPay, Shopify Payments, and PayPal Compared

Discover crucial factors like security, features, and fees when selecting a Shopify payment gateway for your store in New Zealand.

Unveiling the Best Payment Gateways for NZ Shopify Businesses: HitPay, Shopify Payments, and PayPal Compared

A Shopify payment gateway is a third-party service that allows merchants to accept credit and debit card payments online. It acts as a middleman between the merchant's website and the customer's bank, encrypting the customer's sensitive data and processing the payment.

Why do I need a payment gateway for my NZ Shopify business?

Without a payment gateway, you would have to manually process each payment, which would be time-consuming and inefficient.

Here are some of the benefits of using a payment gateway for your NZ business:

  • Increased sales: A payment gateway makes it easier for customers to pay for your products and services, which can lead to increased sales.
  • Reduced fraud: Payment gateways use fraud protection measures to help protect your business from fraudulent transactions.
  • Improved customer experience: Payment gateways provide a secure and convenient way for customers to pay for their purchases.
  • Compliance: Payment gateways help you to comply with PCI security standards.

Overall, a payment gateway is an essential tool for any NZ Shopify business that wants to grow and succeed. It provides a secure and convenient way for customers to pay for your products and services, and it can help you to automate your payments and get detailed reports.

What are the key factors to consider when choosing a payment gateway for a Shopify store in NZ?

With so many payment gateways available, it can be difficult to know which one is right for your Shopify store. When making your decision, it is important to consider a number of factors, including security, features, ease of use, and support.

1) Security

When choosing a payment gateway, it is important to consider the security of the payment gateway. The payment gateway should use the latest security standards and technologies to protect customer data.

Look for a payment gateway that is PCI compliant, which means that it meets the security standards set by the Payment Card Industry Data Security Standard (PCI DSS).

2) Features

Consider the features that are important to you, such as support for multiple currencies, recurring billing, fraud protection, and omnichannel payment acceptance. Some payment gateways offer additional features, such as the ability to accept payments from customers in different countries or to process payments in multiple currencies.

Omnichannel payment acceptance means that the payment gateway allows you to accept payments from customers online, in person, and through mobile devices. This is important for businesses that want to provide a seamless customer experience across all channels.

3) Ease of use

The payment gateway should be easy for both you and your customers to use. The payment process should be simple and straightforward, and the payment gateway should be easy to integrate with your Shopify store.

4) Support

Make sure that the payment gateway offers good customer support, in case you have any problems. The payment gateway should have a responsive customer support team that is available to help you within 1-2 business days.

Types of payment gateways

There are four main types of payment gateways:

  1. Hosted payment gateways
  2. Self-hosted payment gateways
  3. API-hosted payment gateways
  4. Local bank integration gateways

Hosted payment gateways

Hosted payment gateways are the most common type of payment gateway. They redirect customers to the payment gateway's website to enter their payment information. Once the customer has entered their payment information, they are redirected back to the merchant's website to complete their purchase.

Self-hosted payment gateways

Self-hosted payment gateways allow merchants to collect and store customer payment information on their own servers. This gives merchants more control over the customer experience, but it also requires merchants to comply with all applicable security regulations.

API-hosted payment gateways

API-hosted payment gateways allow merchants to integrate the payment gateway's functionality into their own website or app. This gives merchants the most flexibility, but it also requires the most technical expertise.

Local bank integration gateways

Local bank integration gateways allow merchants to connect to their bank's payment processing system. This gives merchants the lowest transaction fees, but it also requires the most technical expertise to set up and maintain.

Does Shopify have a payment gateway?

Shopify has its own payment gateway called Shopify Payments. It is a good option for Shopify store owners who want a simple and easy-to-use payment gateway. Here are some of the benefits of using Shopify Payments:

  • It is easy to set up and use.
  • It is secure and PCI-compliant.
  • It offers a variety of features, such as recurring billing and fraud protection.
  • It is integrated with Shopify, so you can manage your payments and orders from one place.

Top 3 payment gateways for Shopify stores in New Zealand (A Detailed View)

1) HitPay

HitPay is an all-in-one omnichannel payment platform designed for small businesses and SMEs. Founded in Singapore, HitPay has recently launched in New Zealand.


  • Easy integrations with any e-commerce platform (e.g. Shopify, WooCommerce) and any sales channel (e.g. WhatsApp, email, Instagram) without the need for coding
  • Free business software including recurring billing management, invoice generator, and an online store
  • Integrated point-of-sale (POS) system to automatically sync online and offline sales
  • Accounting integrations with Xero and Quickbooks


  • Not as well-known as some other payment gateways given it is new to the market


HitPay charges the following fees for in-person payments in New Zealand:

  • Domestic Cards: 2.4% + NZ$0.50 per transaction.
  • International Cards: 3.9% + NZ$0.50 per transaction.

2) Shopify Payments

Shopify Payments is a payment gateway that is integrated with Shopify, making it easy for Shopify store owners to accept payments from their customers.


  • Easy to set up and use
  • Secure and PCI compliant
  • Integrated with Shopify, so you can manage your payments and orders from one place


  • Not available in all countries
  • May not offer all of the features that some Shopify store owners need


Shopify Payments charges a transaction fee of 2.9% + 30 cents per transaction for online payments and 2.6% + 30 cents per transaction for in-person payments. If you sell in multiple currencies, Shopify Payments will convert your customers' payments to your store's currency at the current exchange rate. There is a 2.5% fee for currency conversion.

3) PayPal

PayPal is one of the most popular payment gateways in the world, and it is a good option for businesses of all sizes.


  • Well-known and trusted brand
  • Accepted by millions of merchants worldwide
  • Easy to use


  • Fees can be high for some businesses
  • Customer support can be slow


PayPal charges a fee of 0.45 NZD + 3.4% for sending money to another person in New Zealand. There is no fee for receiving money from another person in New Zealand. PayPal also charges a fee of 4.4% + a fixed fee for international transactions.

To conclude, selecting the right payment gateway for your NZ Shopify business is essential to ensuring a seamless and secure payment experience for your customers.

HitPay emerges as a compelling choice, offering a comprehensive suite of features, competitive pricing, and unwavering security. With its ease of use and seamless integrations, HitPay empowers NZ Shopify businesses to focus on what matters most – growing their customer base and achieving their business goals.

Have questions about HitPay?

If you're a customer who has questions about paying with HitPay, feel free to contact us on our website.

Are you a merchant who wants to offer more payment methods with HitPay's secure payment gateway?
Set up an account for free or find out more with a 1-on-1 demo.

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About HitPay
HitPay is a one-stop commerce platform that aims to empower SMEs with no code, full-stack payment gateway solutions. Thousands of merchants have grown with HitPay's products, helping them receive in-person and online contactless payments with ease. Join our growing merchant community today!