Built for peace of mind.

Enterprise-grade security. Smart controls. A platform you can trust.

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Card-level security that goes further.

Every transaction is backed by serious protection with real-time control in your hands.

No CVV on the card 
Card details are stored securely in-app, protected by biometrics.
Instant freeze + replace 
Lost a card? Lock it instantly and issue a new one in seconds.
3D-secured 
Online transactions are protected with built-in approval flows inside the app.

Full account control, right from your phone.

Set smart spend rules, manage team permissions, and approve payments, without leaving the app.

Multi-approval on payments 
Set custom rules for dual or team approvals.
Secure QR login for desktop tool 
No passwords or risky links - approve access directly in-app.
Real-time alerts 
Get notified the moment money moves, on any card or account.

Built to protect in every situation.

Whether you're paying, getting paid, or managing a team, we've thought it through.

Fraud prevention baked in

Disposable virtual cards, transaction-level limits, instant freeze, and no magstripe.

Global-grade infrastructure

We meet global PCI DSS 4.0 standards with continuous monitoring and strict internal protocols.

Your money is safe with us.

We don’t take shortcuts, and we don’t touch your funds.

Held securely with ANZ

All funds are held in bare trust with ANZ. Your money stays safe and untouched, always.

Mastercard-backed

We issue all cards through Mastercard, our partner in reshaping financial tools in New Zealand.

Built by experts

The same team behind SquareOne, trusted by over 250,000 Kiwis. Now bringing banking-level protection to business.

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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