Pay It Now
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The PIN app is live in New Zealand and Australia New Virtual accounts coming to Australia

Crypto exchange and payments, all in one app.

Business accounts, an OTC desk and payment acceptance for New Zealand, Australia and Papua New Guinea. For you: buy, sell and spend digital assets in New Zealand or Australian dollars, from one app.

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QR code linking to the Pay It Now app
Scan to get the app Your phone opens the App Store or Google Play.
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See a quote

Convert NZD or AUD into crypto, spread included.

Asset

You get 0.003528 BTC
Rate
1 BTC = NZD 141,716.23 (spread included)
Separate trading fee
None, spread in the rate
Total charged
NZD 500.00

Illustrative rates. The spread is included in the quoted rate and no separate trading fee is added. The final figure is confirmed in the app before you pay.

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Rates from the PIN network price feed, converted to NZD and AUD. Illustrative until confirmed in the app
Registered NZ FSP 1002374 FSCL member 8811 AUSTRAC-registered DCE ABN 18 662 643 496 2,000,000+ network transactions See the registrations

How it works

Three steps, one app.

No waiting lists and no desktop-only onboarding. The whole network lives in your pocket.

  1. 01

    Create your free account

    Download the PIN Network App for iOS or Android, verify your details, and you are in. Free to join, minutes to set up.

    Get the app
  2. 02

    Deposit NZD or AUD

    Fund with POLi in New Zealand or a bank transfer in Australia, or bridge crypto across from any external wallet.

    Deposit options
  3. 03

    Buy, spend or cash out

    Trade 50+ assets, spend at 600+ merchants with 0% merchant fees, or cash out to your bank in as little as 30 minutes.

    See supported assets

The PIN app

One app for everything
you do with crypto.

Explore the PIN app →

01 · Get started

In the app in minutes

Download Pay It Now, create your wallet and verify once. No hardware wallets and no jargon. Your assets live in an app that feels like banking.

02 · Hold

Every asset, one balance

Bitcoin, Ethereum, Solana and the major stablecoins side by side, valued in NZD or AUD and updating as the market moves.

03 · Trade

Live markets, spread-in pricing

Buy and sell at the rate you see on screen. The spread is included, so nothing extra appears at checkout.

04 · Spend

Spend it like money

Top up your PIN Web3 Mastercard® from any wallet balance and pay anywhere, online or in-store. Your crypto, spending like dollars.

05 · Do more

Gift cards, bills and offers

Prezzy cards, gift cards from leading brands, PIN Bill Pay and in-app offers, all from the same balance.

Pay It Now app sign-in screenPay It Now wallet screen showing a token listPay It Now asset screen for Bitcoin with balance and historyPay It Now card screen with card balancePay It Now shop screen with gift cards and offers

For your business

Business banking, without the bank.

Crypto-friendly accounts built for New Zealand, Australian and Papua New Guinean businesses, with people at the end of the phone, not a ticket queue.

01

Virtual accounts, starting with NZD

Give customers and platforms local account details to pay into. Funds land in your business account, ready to hold, convert or settle.

New ZealandAustraliaPNG, coming soon
Business banking
02

An OTC desk that picks up the phone

Larger trades handled person to person. The spread is included in the rate, so the figure you see is the figure you pay.

New ZealandAustraliaPapua New Guinea
The OTC desk
03

Accept crypto at the counter

Point of Sale lives in the same app: take a payment, issue a refund, run the end of day report. 0% merchant transaction fee.

New ZealandAustraliaPapua New Guinea
Payments

Pricing

No trading fees. No forex fees.
Just fair pricing.

When you buy or sell, we quote one price in the app. That figure already includes our spread, so what you see is what you pay. No separate trading, service or conversion fees on top.

Always check the app for the latest pricing.

Full pricing and fee details
Itemized Pay It Now fees
Create your account Free
Hold NZD, AUD, USD, SGD or PGK balances Free
Trading fees None. The spread is in the quoted rate
Network fees on in-app transactions None. The PIN Network runs on our own Layer-2
Buy with POLi (NZ bank account) POLi's fee, capped at $3.00 NZD
Buy with card via Stripe $0.50 + 3%
Cash out to a NZ or AU bank account No separate fee. The quoted rate includes the spread
International withdrawals (outside NZ/AU) $4 to $10 (USD) per transaction
Merchant transactions 0%

Where you'll find us

Live in NZ, Australia & PNG.

One account, three markets. Here is what is live where, and what is landing next.

Home market

New Zealand

The full suite: the PIN app, business accounts, virtual accounts, the OTC desk and payment acceptance. Operated from Aotearoa since day one.

Live · growing

Australia

Buy, sell and spend in Australian dollars, open a business account and trade on the OTC desk. AUD virtual accounts are coming soon.

Live · Pacific

Papua New Guinea

PIN serves PNG customers directly, with the OTC desk and payment acceptance for businesses across the Pacific.

See the full product availability matrix →

0+ active users
0+ merchants
0+ network transactions
0+ supported assets

Network figures as published by Pay It Now. See the network

Built by a real company,
not a whitepaper.

Meet the team, see the office and read the registrations on the about page.

About Pay It Now

Crypto, handled
like money.

Open a business account today, or download the PIN app and make your first trade in minutes.

Open a business account Get the app
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