Centrapay is a New Zealand-based fintech company operating a universal payments network that connects existing commerce systems to digital wallets, tokens, and alternative payment methods. Its platform spans New Zealand and Australia, serving retailers, asset issuers, promoters, and technology partners. Clients include Coca-Cola, BNZ, and Farmlands.
The company's core infrastructure consists of two principal components. Its open payments platform exposes rich, API-first interfaces that allow any application to initiate transactions across any device, including physical payment terminals. Its Universal Acceptance Layer bridges traditional fiat currency and digital value, enabling modern digital wallets and digital assets to transact at connected points-of-sale without requiring merchants to overhaul existing hardware or software.
Centrapay's technical stack spans blockchain-based digital product creation and distribution, QR-code payment rails, Open Banking integrations, and fiat-to-digital value bridging. The platform is designed to route payments through low-cost alternative rails rather than legacy card networks, reducing transaction costs for merchants. Its API-first architecture means integrations can be built and extended without deep changes to existing commerce infrastructure.
The company operates across fintech and payments, retail, digital asset issuance, and promotions. Its stated mission is to democratise payments by removing the cost and access constraints imposed by traditional card network arrangements.