New Zealand-country-report-PPRO
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Payment methods in New Zealand

Here are the top takeaways you need to know about the New Zealand e-commerce market:

  • Shoppers in New Zealand buy 10% of all their retail purchases, worth US7 billion, from e-commerce merchants.
  • Between 2020 and 2022, the proportion of online transactions New Zealanders completed on a mobile device rose from 39% to 58%.
  • Each year, New Zealanders spend around US$2 billion with online merchants based overseas, accounting for around 33% of all online purchases.
  • Popular online shopping destinations for New Zealanders include Australia (41% of overseas transactions), China (27%) and the USA (11%).
  • New Zealanders use digital payment methods in almost half of all online transactions. Popular payment methods include Apple Pay, Google Pay and Afterpay.
Online Population
B2C E-commerce
Banked Population
Credit Card Population
E-commerce of Total Retail

Payment Method Breakdown

  • Card 51%
  • Cash 1%
  • Bank Transfer 14%
  • E-Wallet 22%
  • Other 12%
[{"label":"Card","value":"51"},{"label":"Cash","value":"1"},{"label":"Bank Transfer","value":"14"},{"label":"E-Wallet","value":"22"},{"label":"Other","value":"12"}]

Card Scheme Breakdown

  • Visa 71%
  • Mastercard 21%
  • American Express 6%
  • Local schemes 0%
  • Other 2%
[{"label":"Visa","value":"71"},{"label":"Mastercard","value":"21"},{"label":"American Express","value":"6"},{"label":"Local schemes","value":"0"},{"label":"Other","value":"2"}]

Cross-Border E-Commerce


Online shoppers who have shopped cross-border


Cross-border proportion of total e-commerce

2 bn $US

Value of cross-border e-commerce

Top cross-border shopping origin markets