whatsapp-image-2025-04-08-at-13338-pm-67f48b6841f57.webp

We’re raising $100k–$300k to reshape payments in Aotearoa.

Crowdfunding soon on PledgeMe – register your interest as an investor, merchant, or early user.

Business

Invest

Early User

Redefining Payments for Aotearoa

Wallo Pay is a New Zealand–born digital wallet and payment platform that cuts merchant service fees to a flat 0.6% and removes surcharges for customers – keeping money with local businesses, consumers, and communities.
For users, free peer-to-peer instant transactions between any bank

Learn about Investing

For Businesses

For Customers

For Investors

Invest in a fairer payments system

We’re raising $100k–$300k via equity crowdfunding, offering up to 12% of Wallo Pay at a $2.2m pre-money valuation and $1 per share. Minimum investment $500.

View Investment Details

For Businesses

Cut your payment fees by up to 60%

NZ merchants pay 1.2%–2.5%+ per transaction today. Wallo Pay lets you accept contactless payments at a flat 0.6% merchant service fee, with funds settled to your account on T+1.

For Early Users

Pay anyone, with no surcharge - Instant transaction

A smart digital wallet for Aotearoa: instant bank-to-bank payments, no surcharges, group bill-splitting, loyalty, and secure storage for cards and IDs – all in one app.

Join the waitlist

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.

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 payment platform 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 payment platform.