Putting money back into the pockets of Kiwi businesses and consumers
Lower Merchant Fees | No Surcharges for customers
Welcome to
Wallo Pay
.png){kind=small}
Wallo Pay is here to transform payments in New Zealand. We’re an upcoming digital wallet tackling high merchant fees and surcharges—putting money back into the pockets of Kiwi businesses and consumers. Fairer prices, lower costs, and a smarter way to pay: that’s the Wallo Pay promise.
Merchant Fees Paid by Businesses
$1 Billion NZD
Surcharge Paid by Customers
$90 million NZD
The Problem We Solve
Contactless payments are everywhere, but they come with a catch. New Zealanders paid $90 million NZD in surcharges—extra fees at checkout to cover high merchant service fees (MSF). Businesses, meanwhile, lost $1 billion NZD in MSF in 2024, with rates often hitting 1.2% to 2.5%+ per transaction. These costs hurt everyone: higher prices for you, slimmer profits for merchants, and a strained economy. Wallo Pay steps in to fix it.
Our Solution
Wallo Pay is a digital wallet built to make payments fairer and simpler
What We Are
A New Zealand-made platform reducing merchant fees to 0.6% and eliminating surcharges, boosting disposable income and profits.
How We Do It
.png)
Slashing cost of payment network
Full Digital Wallet for your payment needs
Instant and secure transaction. No hidden fees
Individuals
~ No Surcharge
Keep the $90 million paid as surcharge —more disposable income for you
~ Digital Wallet
Replace cards and clutter with one free, secure app.
~ Fast & Green
Instant payments, less plastic waste.
Businesses
~ Lower Fees
Cut MSF to 0.6%, saving you part of that $1 billion lost in 2024
~ Happy Customers
No surcharges = better loyalty and experience
~ Grow Smarter
Accessible tools and business insights
Government
~ Stronger Economy
More income and profits fuel growth
~ Higher Revenue
Increased taxable activity
~ Counterfeit Currency
Digitization helping to reduce counterfeit bills
Benefits of Wallo Pay
About Us
Wallo Pay is a Kiwi startup with a bold mission to redefine transactions and enrich lives. Tired of seeing high fees drain our communities, we’ve created a digital wallet that works for everyone—individuals, businesses, and beyond.
Our Mission
To eliminate surcharges and reduce merchant fees, empowering New Zealanders with greater financial freedom and convenience through innovative payment solutions.
Our Vision
To create a future where every transaction strengthens our economy, supports local businesses, and enhances the lives of all Kiwis with a seamless, cost-effective digital wallet.
