Just tap & go Pay It Now’s Web3 Mastercard is Apple Pay & Google Pay compatible
1) Quick overview: what this product does
“Just tap & go. Pay It Now’s Web3 Mastercard is Apple Pay & Google Pay compatible” is not just a slogan — it describes a practical product: a virtual, reloadable Mastercard created inside the Pay It Now (PIN) app that can be tokenised into Apple Wallet or Google Wallet for contactless payments. Users top the card up from their PIN Wallet (multiple crypto assets supported) and pay as they would with any other mobile card. For merchants, payments show up as ordinary Mastercard transactions, removing blockchain complexity from the checkout experience.
2) Why it matters for Kiwis and NZ merchants
New Zealand consumers already carry mobile wallets and expect tap-to-pay. If you want people to pay with crypto, the experience must match the simplicity of Apple Pay and Google Pay. That’s precisely where the Web3 Mastercard fits — it keeps the front-end experience unchanged but gives users the option to fund that card from crypto. For merchants asking “how do I accept crypto without changing my POS?” the answer is simple: you don’t — customers pay with a tokenised Mastercard and your existing systems handle it like any other card payment.
3) How the Web3 Mastercard works — step-by-step
For the user (simple)
Install the PIN app and set up your PIN Wallet.
Create a virtual Pay It Now Web3 Mastercard inside the app.
Top up (reload) the card from your wallet — PIN supports many crypto assets.
Tap “Add to Apple Wallet” or “Add to Google Wallet” from the card view.
Tap to pay anywhere Mastercard contactless is accepted.
For the merchant (even simpler)
Customer taps with their phone or wearable.
Terminal processes a tokenised Mastercard transaction.
The merchant’s acquirer deposits settlement as usual — reconciliation and refunds work the same as credit/debit card flows.
This separation keeps merchants insulated from crypto custody, volatility management and private key issues — all of which remain inside the Pay It Now app experience.
4) Real benefits: consumer convenience, merchant simplicity
For consumers (Pay with Crypto NZ)
Familiar UX — If you already use Apple Pay or Google Pay, there’s nothing new to learn.
Multiple crypto options — Top up from a choice of assets in the PIN wallet and convert to spendable balance.
Instant spending — No lengthy bank transfers or third-party conversions at checkout.
For merchants (Accept Crypto Payments NZ)
No POS changes — Works with existing terminals and payment processors.
Normal settlement & refunds — Transactions appear as Mastercard, so reconciliation remains unchanged.
Low friction rollout — Offer crypto-using customers a way to pay without exposing staff or systems to blockchain complexity.
5) Common questions and objections
Q: Will merchants be stuck dealing with crypto volatility?
A: No. The conversion from crypto to the card balance happens in the app; merchants receive a Mastercard settlement like any other card payment. Merchants generally aren’t exposed to crypto price moves unless they choose to do so.
Q: Is this available in New Zealand only?
A: Pay It Now markets the product in NZ (and Australasia) and promotes the Web3 Mastercard live in the PIN Network App for Kiwi users. Check the app for device and regional availability.
Q: Which assets can I top up with?
A: PIN’s materials and announcements mention support for dozens of assets to top up the card; exact lists and any network fees are shown in the app when you initiate a reload.
Q: How do refunds and chargebacks work?
A: Because the merchant gets a Mastercard transaction, refunds/chargebacks follow standard card processing terms — handled via the merchant’s acquirer and payment processor as usual.
6) Author & review box
Author: Payments strategist with 10 years’ experience building merchant rails, card tokenisation projects and digital wallet integrations across Australasia. I help merchants and product teams turn new payment tech into low-friction, revenue-driving features.
Reviewed by: Pay It Now product team. For any operational or legal questions, consult Pay It Now directly.
Company: Pay It Now — Unit 3/38b Birmingham Drive, Middleton, Christchurch 8024, New Zealand. Website: payitnow.io.
7) FAQ
Q: Is the Web3 Mastercard safe to add to Apple Wallet or Google Wallet?
A: Yes. Tokenisation and device-level security (Secure Element on Apple devices, Google Wallet protections on Android) protect card details just like any other mobile card. The Web3 Mastercard uses the same tokenisation process as other Mastercard-issued cards.
Q: Can I Pay with Crypto NZ at any store that accepts contactless Mastercard?
A: Yes — once the virtual card is tokenised in your mobile wallet, you can tap at any merchant that accepts contactless Mastercard. This is the main benefit for consumers who want to spend crypto without needing merchants to adopt specialised crypto rails.
Q: Will merchants need to change pricing or add surcharges?
A: No — merchants see a Mastercard payment and settle as usual. Regulatory changes around surcharges in NZ are happening at policy level (independent of this product); check your local rules and acquirer terms for surcharge policies.
Q: Where can I get the PIN app and the Web3 Mastercard?
A: Download the PIN Network (Pay It Now) app from the App Store or Google Play and follow the in-app flow to create your Web3 Mastercard. Availability and exact flows are shown inside the app.
Final wrap
If your goal is to Pay with Crypto NZ or to Accept Crypto Payments NZ, the path that creates the least friction is tokenisation: give customers a way to add a crypto-funded virtual card to Apple Wallet or Google Wallet so they can pay exactly like they do today. Pay It Now’s Web3 Mastercard puts that path in customers’ pockets — “Just tap & go. Pay It Now’s Web3 Mastercard is Apple Pay & Google Pay compatible” — and lets merchants focus on running their business, not on managing crypto.
