Questions we get asked a lot.

EFTPOS terminals cost money to lease or buy, tie you to a provider, and only work where there's hardware. A QR code costs nothing to generate, never breaks, never needs a software update, and works anywhere you can display a screen, a printout, or a sticker. Your customer scans it with the phone camera they already have, pays with the card or wallet they already use, and gets a receipt in seconds. For market vendors, tradespeople, charities, and pop-up businesses, QR is just simpler — and significantly cheaper at volume.

No. They pay exactly the way they always do — Visa, Mastercard, Apple Pay, or Google Pay. There's nothing new for them to learn, no account to create, and no app to download. If they can shop online, they can pay you.

Market vendors, food trucks, tradespeople, charities and fundraisers, event organisers, pop-up retailers, and anyone else who wants to accept card payments without the cost or hassle of a traditional terminal. Manuka Pay works equally well for a single-person operation and a network of venues.

There's no trial needed — there's no subscription to pay for. Create an account, connect Stripe, and start accepting payments immediately. You only pay when you take a payment, so there's no cost to getting set up and ready.

Not much. You'll need a business or personal email address to create your Manuka Pay account, and then a few minutes to connect a Stripe account. Stripe will ask for your identity details, business information, an IRD number, and a bank account for payouts. Most people are up and running within 15 minutes.

No. If you've never used Stripe before, Manuka Pay walks you through creating one during setup. If you already have a Stripe account, Stripe Connect creates a separate sub-account — it doesn't merge with your existing one.

Most merchants are live within 15–30 minutes. Create your account, connect Stripe, fill in your business profile, and your payment page is ready. Stripe's identity verification is usually instant — though in some cases it can take a day if additional documents are needed.

No contracts, no lock-in, no monthly fees. You only pay a small service fee when you actually take a payment. If you stop using Manuka Pay, just stop — there's nothing to cancel.

No. Customers scan your QR code with their phone camera and pay through a standard browser page powered by Stripe Checkout. Nothing for them to install — they pay using the card or digital wallet they already have.

Manuka Pay accepts Visa, Mastercard, Apple Pay, and Google Pay. These cover the vast majority of cards and wallets in New Zealand. Card processing is handled entirely by Stripe, which is PCI DSS compliant — you never touch card data.

No. Any Visa or Mastercard debit or credit card works, plus Apple Pay and Google Pay on supported devices. It's the same checkout customers already use for online shopping.

Yes. All payments go through Stripe's checkout, which uses 3D Secure authentication, full PCI DSS compliance, and fraud monitoring. Manuka Pay never stores card numbers or banking credentials.

The minimum payment is $0.50 NZD. There's no hard platform maximum, though individual preset buttons can be set up to $5,000. Stripe's own transaction limits may also apply.

There are two fees on each transaction. First, Manuka Pay charges a platform service fee of 0.8% + $0.05 per transaction — this covers your merchant dashboard, QR code infrastructure, and payment page. Second, Stripe charges its standard card processing fee (3.2% + $0.30 per transaction) for processing the card or wallet payment. Both fees are shown in full on every transaction record.

By default, fees are added on top of your listed price and paid by the customer. If you set an item at $10, the customer pays $10 plus the fees. You receive $10 (before Stripe's own settlement deduction). This keeps your pricing clean and your margin intact. If you'd prefer to absorb the fees yourself, you can switch to "fees included" mode in your payment settings — the customer pays your listed price and the fees come out of what you receive. See the setup guide for how to switch modes.

No. There are no monthly subscription fees, no setup costs, and no hidden charges. The only fees are the per-transaction amounts described above. If you're not taking payments, you're not being charged anything.

Manuka Pay's service fee is non-refundable on completed transactions. Stripe's current policy is also not to return processing fees on refunds. This means only the base payment amount (what your customer paid for the item) is refundable — not the fee component. This is standard practice across all online payment platforms.

Preset prices are quick-tap payment buttons you configure on your payment page. Instead of customers typing in an amount, they tap a button — "$5 coffee", "$25 market box", whatever suits your business. You can have as many as you need, set your own labels, and choose whether customers can also enter a custom amount. Configure presets in Settings inside your dashboard.

Yes. You can set your QR mode to "open amount" so customers type in whatever they're paying. Or use "preset + other" to show preset buttons but also allow a custom amount. The mode is configurable in Settings.

Yes. There's a simple on/off toggle in your Settings. When you turn it off, customers who scan your QR code see a "not accepting payments" message. Turn it back on when you're ready. Useful for breaks, holidays, or market days when you're not trading.

Your business name, a short description (if you've set one), your public support email and phone number, and the Stripe Checkout payment form. The page is clean and branded to your business — customers see who they're paying before they confirm.

Yes. Manuka Pay generates a print-ready QR code card with your business name, description, QR code, accepted payment logos, and the payment URL. Print it on A4, laminate it, stick it to your counter, or include it in an invoice.

Stripe typically pays out on a rolling 2-business-day schedule for established accounts — so a payment received on Monday would arrive in your bank by Wednesday. New accounts may have an initial hold of up to 7 days while Stripe establishes your payment history. Manuka Pay has no control over payout timing — it's managed entirely by Stripe directly to your bank. These are estimates and subject to Stripe's own policies.

Stripe sends payouts directly to the bank account you connected during Stripe onboarding. You don't need to request payment — it happens automatically on Stripe's schedule. Manuka Pay does not hold your money at any point.

No. Manuka Pay is a technology platform — it never holds, handles, or moves your money. All funds flow directly from the customer's card to your Stripe account. Stripe then pays out to your bank. Manuka Pay only collects its service fee as an application fee deducted at settlement.

Yes. The Payouts section in your dashboard shows a full breakdown of every payout — down to the individual transaction level, with gross amounts, fees, net, and Stripe references. You can also export each payout as a CSV for your accountant or bookkeeper.

You can issue a refund directly from the transaction detail page in your dashboard — full or partial. Manuka Pay processes it through Stripe and the customer typically receives the money within 5–10 business days. The base payment amount is refundable; fees are not.

If a customer contacts their bank to reverse a charge (a chargeback), it appears in your dashboard with the deadline to respond. You can either accept the dispute or contest it with evidence. Manuka Pay submits your response to Stripe, which handles it with the card network. The process typically takes 60–120 days.