Business payments, without the pain.

Pay anyone, get paid fast, and stay in control - all from your phone.

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Real NZ account. No paperwork.

Emerge gives you a full NZ business account with all the payment tools you actually need.

Send and receive payments 
Pay bills, contractors, and teammates or receive payments from customers.
NZ account number 
Every account has a NZ account number to share with clients or suppliers.
Instant transfers 
Move money between your own accounts or other Emerge users in seconds.

Pay bills on autopilot.

Automate your recurring and one-off payments in a few taps.

Scheduled payments 
Set regular payments for rent, subscriptions, or suppliers.
One-off future payments 
Tee up a payment now and send it later.
Low balance alerts 
Get notified ahead of time if your balance won’t cover a scheduled payment.

Smarter ways to send and receive.

Modern payment tools to keep your business moving.

Approvals that match your workflow

Set multi-sign rules for payments over a certain value or to certain payees.

QR payments with EmergePay

Let customers scan and pay you instantly with a custom QR code. No mobile terminals required.

Batch payments, without the admin.

Upload and pay multiple invoices in just a few taps.

Upload invoices to Xero 
Connect to Xero and auto-sync your transactions.
Batch pay 
Upload, approve, and pay off all outstanding invoices at once.
Save time 
No spreadsheet wrangling or bank hopping required.

Built for payments on the go.

The tools you need, wherever you are.

Manage payees

Save trusted contacts to speed up repeat payments.

Real-time status

See when payments are scheduled, approved, and completed.

Easy approvals

Review and approve payments right from your phone.

Frequently asked questions

Whether you’re a startup, growing team or planning global domination, Emerge works to make your business finances more efficient at every stage of your journey.

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