Our Fees

Crypto without the big price tag

At Pay It Now, we’re redefining what Crypto should cost.

By operating on our own Layer-2 network, we’re able to cut costs, speed up transactions, and offer some of the lowest fees when you buy or sell cryptocurrency, all while delivering better value than most platforms across New Zealand and Australia.


Compare our fees and see for yourself.

  • Digital graphic showing 'Trading Fee 0%', with a handshake icon and a note that says 'You pay only the spread when you buy, sell or spend on the PIN Network.'

    Trading Fee 🔽

    Pay It Now does not charge a separate trading fee. When you exchange assets in the app, Pay It Now quotes a buy price and a sell price. The difference between those quoted prices is the spread, which is built into the exchange rate shown to you at the time of the transaction

  • A digital graphic showing Forex Fee at 0%, with a note stating no foreign exchange fee when buying or selling cryptocurrency.

    Forex Fee 🔽

    Pay It Now does not charge a separate foreign exchange fee for in app conversions between supported currencies and digital assets. Where an exchange is completed in the app, the rate shown to you includes the applicable spread

  • A digital graphic with a dark blue background displaying the text 'Gas/Network Fees' and 'ZERO' in large white letters, along with a small icon of coins. The bottom of the graphic includes a statement indicating there are no gas or network fees for transactions on the PIN Network.

    Network Fees 🔽

    Because Pay It Now operates on its own Layer-2 infrastructure, you won’t pay any gas or network fees when making transactions using the PIN App

  • A promotional graphic displaying a 0% trading fee on the PIN Network, with a blue background and an icon of two shaking hands.

    ⧉ 🔽

    Pay It Now does not charge a separate trading fee. When you exchange assets in the app, Pay It Now quotes a buy price and a sell price. The difference between those quoted prices is the spread, which is built into the exchange rate shown to you at the time of the transaction

  • Advertisement indicating no foreign exchange fee for buying or selling cryptocurrency, with a large 0% fee displayed and a small note at the bottom.

    ⧉ 🔽

    Pay It Now does not charge a separate foreign exchange fee for in app conversions between supported currencies and digital assets. Where an exchange is completed in the app, the rate shown to you includes the applicable spread

  • A digital screen displaying a message about gas and network fees, emphasizing that there are zero fees when transacting on the PIN Network, with a dark blue background and white text.

    ⧉ 🔽

    Because Pay It Now operates on its own Layer-2 infrastructure, you won’t pay any gas or network fees when making transactions using the PIN App

How does our pricing work?

Person using a smartphone with a digital graph showing upward trend and increasing bar chart.

We keep it simple. Pay It Now may earn a margin through the spread, which is the difference between the buy and sell price quoted in the app for certain exchange transactions. No separate trading, brokerage, or Forex fee is added on top of that quoted rate

See full details about our spread →

Learn More

How does our pricing work?

Close-up of a person's hands holding a smartphone, with a digital graph showing an upward trend and increasing bar chart, symbolizing growth or success.

We keep it simple. Pay It Now may earn a margin through the spread, which is the difference between the buy and sell price quoted in the app for certain exchange transactions. No separate trading, brokerage, or Forex fee is added on top of that quoted rate.

See full details about our spread →

Learn More

Full Fees List

Deposit/Buy Fees
Service Fee
Swap/Exchange (In-app)
A small spread is applied whenever assets are exchanged in the app (e.g. NZD → Crypto, Crypto → AUD or Crypto → Crypto). The applicable rate, including the spread, is shown to you before you confirm the transaction. 		Pay only the Spread
(No separate trading or Forex fee is charged)
Buy Crypto using POLi Pay (NZ Bank Account)
Pay only POLi Pay’s standard processing fee. 		Up to a maximum of $3.00 NZD (typically 1%)
(Fee charged by POLi Pay, not Pay It Now)
Buy with Card - Stripe
(NZ & AU Only) Pay only Stripe Fees. 		A processing fee of $0.50 plus 3% of the total amount.
(Charged by the card service provider)
Top up NZD using POLi Pay (NZ Bank Account)
Pay only POLi Pay’s standard processing fee. 		Up to a maximum of $3.00 NZD (typically 1%)
(Fee charged by POLi Pay, not Pay It Now)
Manual Bank Deposit (NZD or AUD Bank Transfer) No Cost
Bridge On/Deposit
Deposit Crypto onto the PIN Network App from an external wallet or platform. 		Pay only network fees
(Charged by external chain, not Pay It Now)

Withdrawal Fees
Service Fee
Bridge Off/Withdraw
Network fee (set by the external blockchain). Fees can vary based on network congestion and activity. 		1% Un-bridge fee + Network fees
Cashout Crypto (NZ or AU Bank Account)
Sell crypto to your verified bank account. Where a conversion to AUD or NZD is required, the quoted exchange rate shown in app includes the applicable spread 		Pay only the Spread
(No separate trading or Forex fee is charged)
Withdraw Currency (NZ or AU Bank Account)
Withdraw NZD, AUD or PGK from the App to your verified bank account. 		No Cost
Withdraw balance to International Bank Account (Non NZ or AU)
Applies to both crypto and currency cashouts. You’ll pay the international currency conversion fees charged by banking networks. 		$4–$10 (USD) per transaction + Spread

Merchant Fees
Service Fee
Merchant Transaction Fee 0%
Sign up to accept payments (Set-up) Free
Monthly Costs Zero
Online Integration
A fee may apply for complex integrations, subject to the scope and complexity of the work. 		Free (Standard & Shopify Websites)
Merchant (Process a refund) No Fee
Cash-out to business bank account
This includes currency/asset conversion to NZD or AUD. 		No Fee
(We don’t charge merchants a spread for this service)
POS integration (Supported POS Providers only)
Applies to software-only activation. POS hardware and terminal hire are available, with fees charged separately by the POS providers. 		No Charge
Fee if Merchant accepts Crypto instead of Cash (Deposited to a PIN Wallet) No Cost

SHOP Menu Fees
Service Fee
Visa Prezzy Card Purchase (Virtual card) ⓘ
Prices include GST. You pay only the card load + delivery fee (Charged by Epay) 		$5.95 card load + $1.50 card delivery fee (NZD)
Visa Prezzy Card Purchase (Physical card) ⓘ
Prices include GST. You pay only the card load + shipping cost (Charged by Epay) 		$5.95 card load + $7.50 Shipping Costs (NZD)
Buy Giftcards (NZ) ⓘ
Prices include GST. You only pay the Giftstation Fees 		Prices vary based on the card you choose
Buy Giftcards (AU) ⓘ
Issued by Prezzee AU 		There are no fees when buying AU Gift Cards
Activ Visa eGiftcard ⓘ
There is a card issuing fee per card. Charged by Prezzee AUS PTY. 		$4.95 AUD incl GST
True Rewards/Digital Visa ⓘ
There is a card issuing fee per card. Charged by IGO Direct LTD PTY. 		$3.95 AUD incl GST
Access to Promotional Offers Menu
Access to exclusive discount offers from 1 Team/CSC Buying Group 		Free Access
PokitPal
Access to our Card-linked Cashback and Rewards Program (AU Only) 		Free Access
ⓘ Transactions marked with this icon involve converting digital assets to NZD or AUD to complete the purchase. A standard spread applies to that exchange. Fees displayed in this table are charged by the external provider (e.g., Epay, Prezzee, Giftstation) and do not include the exchange spread.

Pay It Now Web3 Mastercard

Service Fee
Card account activation fee
Payable when you apply for the Card and is deducted from your App wallet balance.

5.00 USDC

FREE for a limited time
Virtual Card Creation
Generate multiple virtual card numbers as needed for added security or budgeting. 		No Extra Fees
Top up your card (Load balance)
A small spread applies where assets are converted to USDC and added to your Card Account. The applicable rate, including the spread, is shown in app at the time of top up. 		Pay only the spread
(No separate trading or Forex fee is charged)
Transaction Fee (Spending)
A currency conversion fee applies to purchases made in currencies other than USD. 		1.5% of the total transaction amount
(Charged by the card issuer)
Cancel a Card No Cost
Annual Costs None
Withdraw funds back to your PIN Wallet Fixed fee 0.2 USDC per withdrawal

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Important Information: Pricing and rate data are sourced from reputable external market providers and are accurate at the time of display. Cryptocurrency values fluctuate based on market conditions, and rates may change without notice. All fees shown within the Pay It Now app reflect current pricing but may be updated to align with network costs, market demand, or operational needs. While we take care to ensure accuracy, Pay It Now cannot guarantee the completeness of third-party data and is not liable for discrepancies caused by external sources, market volatility, or temporary technical issues.

*Deposits using POLi in New Zealand are limited to 1 transaction per every 3 hours. Once you initiate a deposit using this method, you may have to wait a period of time before you can use this service again.

Fees FAQ’s

  • No. Pay It Now does not charge a separate trading fee.

    When you buy, sell, or spend in the app, Pay It Now quotes a buy price and a sell price. The difference between these quoted prices is the spread, which is built into the rate shown to you.

    We don’t add extra layers of charges. There are no separate trading or foreign exchange fees applied on top of the quoted rate.

    Just clear pricing, shown upfront. Nothing else.

  • Gas or network fees are small payments made to blockchain validators for processing transactions. Since Pay It Now operates its own Layer-2 network, in-app transactions don’t rely on external blockchains, so you don’t pay any gas or network fees when sending, spending, or swapping crypto in app.

  • Forex (foreign exchange) fees apply when converting one currency to another, such as NZD to AUD or USD. These are commonly charged by banks and other platforms.

    Pay It Now does not charge a separate Forex fee. Where a conversion occurs, the rate shown in app includes the applicable spread and is the rate you see at the time of your transaction.

  • A spread is the difference between the buy and sell price of a currency or asset.

    At Pay It Now, when you buy, sell, or swap crypto, we quote a buy price and a sell price in app. The difference between these quoted prices is the spread, which is built into the exchange rate shown to you.

    No extra or hidden fees are added. You see a single, all inclusive rate.

  • Our business model is designed with both affordability and innovation in mind. By running lean operations, leveraging technology, and diversifying our services, we can offer many products at low or no cost without compromising long term financial sustainability

  • Digital payments form only a small part of our overall operations. Pay It Now earns revenue through a range of services, including our peer-to-peer digital wallet and integrated crypto exchange, on/off-ramp solutions, and PIN DATA, our secure data storage platform.

    Some services may include small fees, but our business model is largely driven by network activity and overall transaction volume. As adoption grows, so does our revenue - allowing us to offer low cost services and deliver value at scale