Pay It Now

A New Zealand app that runs its own Layer-2 network. There is no trading fee, only a spread, but moving coins out to a wallet you control costs 1% plus the network fee.

Websitepayitnow.io

Pays withBank transfer

SellsBitcoin and other coins

LightningNo, on-chain only

ID checksRequired (KYC), once

Fees, all-in≈3% + network fee on NZ$100, bank to your wallet

Right nowUpdated just now

Quoted in the appno public price we can read

NZ$100 buys—

Versus the best—

Pay It Now quotes its price inside the app and publishes nothing we can read, so we can’t rank it live. Its published fees are below; the spread is whatever the app shows at the time.

Buy at payitnow.io

Every fee, start to finish

Every cost between your bank and a wallet you control, in Bitcoin rather than dollars, because buy prices differ. Each fee links to the page Pay It Now publishes it on. The spread is the exception: nobody publishes that, so we measure it against a weighted global spot price.

Bank transfer in · your own wallet outChecked 8 Sep 2026

FeeRateOn NZ$100On NZ$1,000

Weighted global spot priceWhat your money is worth in Bitcoin at the world market price, before anyone takes a cut. Every line below comes out of this. Read from CoinGecko, which volume-weights across exchanges.NZ$143,982——

SpreadNo separate trading fee. The spread sits inside the quoted rate and varies with the market; Pay It Now's own worked example takes NZ$2 from a NZ$100 buy. We use that 2% because the app publishes no price we can read.Spread only, about 2%——

FXNo separate foreign exchange fee. NZ dollars convert to Bitcoin at the quoted rate, spread included.None——

NZD depositA manual bank transfer is free. POLi costs up to NZ$3 (typically 1%) and cards NZ$0.50 plus 3%.Free——

Withdrawal (un-bridge)Moving coins off Pay It Now's own network to a wallet you control costs 1%, plus the Bitcoin network fee, which varies with congestion.1% + network fee— + network fee— + network fee

What lands in your wallet≈3% + network fee——

In plain English

How the fees work

No separate trading fee. The spread sits inside the quoted rate and varies with the market; Pay It Now's own worked example takes NZ$2 from a NZ$100 buy. We use that 2% because the app publishes no price we can read. No separate foreign exchange fee. NZ dollars convert to Bitcoin at the quoted rate, spread included. A manual bank transfer is free. POLi costs up to NZ$3 (typically 1%) and cards NZ$0.50 plus 3%. Moving coins off Pay It Now's own network to a wallet you control costs 1%, plus the Bitcoin network fee, which varies with congestion.

How long it takes

Signing up and verifying your ID usually takes ten minutes and is a one-off. After that a bank transfer clears the same day, often within the hour, and your Bitcoin is bought the moment it lands.

Getting your Bitcoin out

Once bought you can withdraw on-chain to a wallet you control. Expect a small network fee and a wait of ten minutes to an hour. We recommend doing that rather than leaving Bitcoin on any exchange.