Spend at 100M+ merchants, in 200+ countries.
A normal, very good Visa Debit card. Tap, chip, online, or in the wallet on your phone. Zero foreign transaction fees.
New from Kiwibank · Two-way Visa Debit
Your debit card, now a payment terminal.
Spend at more than 100 million merchants, like any Visa Debit card. Then flip it around. Friends, family, housemates, even the bloke picking up your old sofa off Marketplace can pay you by bumping their phone to yours.
$0 monthly fee · No reader to buy · The payer needs nothing new
Get paid
$180.00
Green sofa · Marketplace
Hold their phone herePaid by Dave K.
+$180.00 receivedDave K. · Visa ••4417 · just now
Pays in, pays out with every card and wallet you already know
- Apple Pay
- Google Pay
- Samsung Wallet
- Tap to Pay
The card
One card.
One card.
Money both ways.
Every debit card in your wallet does half the job. bump does the half nobody built: the moment money is owed to you.
Your phone is the terminal. Anyone can pay you.
In person, they bump. Anywhere else, you send a link. Either way it clears on the Visa network, straight into the balance your card spends from.
Their phone or cardYour phone
Bump
Hold your phone to theirs. That's the whole thing.
Get paid
$180.00
Ready to bump
$180.00
Hold their phone here
Waiting for Dave
Approving on his phone…
Received
+$180.00
- FromDave K.
- ForGreen sofa
- NetworkVisa
- AvailableNow
Who pays you
Everyone you're too polite to chase.
No bank details swapped, no "what's your account number again?", no app for them to download. If they can tap at a supermarket, they can pay you.
+$180
The bloke picking up your old sofa
He's in your lounge room with a mate and a ute. One bump before it goes out the door and you're square.
+$64.50
Housemates and the power bill
Split it in the app, bump in the kitchen. Nobody has to be the one who sends the reminder text.
+$42
Friends, family, the whole table
You put dinner on your card. Everyone bumps you their share before the waiter's back with the mints.
SSam (Marketplace)online
Still got the bookshelf? Can't get there till Saturday 🙏
It's yours. Pay now and I'll hold it 👍
bump.to/anthony
Pay Anthony $95.00
Bookshelf · Click to Pay · expires 24h
Done ✅ see you Saturday
Pay by Link
Not in the same room? Send a link.
bump works for ecommerce too. Pick any contact, set an amount and drop a link into an SMS, WhatsApp, Messenger or Instagram chat. They tap it, Click to Pay recognises the card they've already saved, and it's paid. Instantly.
- No 16-digit hunt. Click to Pay fills in their enrolled card and verifies them in one step.
- Nothing to install. Works in any browser from the last decade.
- Sell online, no shopfront. Pin one link to your Instagram bio and take orders all week.
For micro and small business
Take cards long before you need a merchant account.
The market stall, the mobile hairdresser, the sparky who'd rather not chase an invoice for three weeks. bump is the step before a terminal: you start accepting Visa on the phone already in your pocket, on the morning you decide to start.
- Trading in minutes, not a fortnight. No merchant facility to apply for, no credit assessment, no three-year contract to sign.
- Nothing to rent, nothing to carry. No terminal, no dock, no receipt roll, no flat battery at the Saturday market.
- Every sale in one place. Tag jobs as trade, add a note, export a clean CSV at GST time.
- Paid on the spot. Money lands in seconds and you can spend it with the same card, so cash flow stops depending on when they "get around to it".
+$28.00 · Saturday marketTagged: trade · 41st sale today
A graduation product, and it says so.
bump is built to be outgrown. When the weekends turn into a real trade, you move up to a Kiwibank merchant facility and a terminal, and your trading history comes with you instead of starting at zero.
bump
A traditional terminal
- Set up
- Minutes, in the app
- Days to weeks, plus an application
- Hardware
- $0. Your phone
- Terminal purchase or monthly rental
- Monthly fee
- $0
- Terminal rental plus plan fees
- Contract
- None. Stop any month
- Typically 12 to 36 months
- Money arrives
- Seconds, spendable straight away
- Usually next business day
- Remote sales
- Pay by Link with Click to Pay
- A separate ecommerce facility
- Best for
- Up to $15,000 a month
- Steady, higher-volume trade
The network
Accepted by 100 million merchants. Now accepted by you.
bump doesn't invent a new payment app and beg your mates to join it. It runs on the network already in everybody's pocket, with the same fraud monitoring, tokenisation and dispute rights as a shop terminal.
200+
countries and territories where the card spends
8s
average time from bump to authorised
$0
hardware. Your phone is the reader
The fine print, up front
What it costs. What it does.
The card
- Monthly fee
- $0
- Acceptance
- 100M+ merchants
- Wallets
- Apple · Google · Samsung
- Foreign transactions
- 0%
- ATM withdrawals
- Free, any network
Getting paid
- Friends & family, under $100
- Free, 10 a month
- Bump payment
- 1.0%
- Pay by Link
- 1.4% + 20¢
- Settlement
- Seconds, not days
- Refunds
- One tap, in the app
Limits & safety
- Per payment in
- $2,000
- Per month in
- $15,000
- Card numbers stored
- None, tokenised
- Payer verification
- Every time
- Disputes
- Visa rules apply
Illustrative pricing for a product concept. bump is a design exploration, not a live Kiwibank product, and nothing here is an offer or financial advice.
Questions
The awkward ones.
Anything else, our team in Wellington answers in the app, usually within the hour.
Does the person paying me need bump?
No. They need a contactless card or a phone wallet, which is anything they'd tap at a supermarket. Nothing to download, no account, no sign-up. That's the point of running on the Visa network.
Isn't this just a bank transfer with extra steps?
A transfer needs them to have your details, open their banking app, retype an amount and remember to hit send. A bump needs them to hold their phone against yours. And it's authorised there and then, rather than sitting in a pending queue.
What stops someone charging me by surprise?
Nothing moves without the payer approving it on their own device: face, fingerprint or PIN. Both of you see the amount and the note before anything happens, and every payment carries the same dispute rights you'd have in a shop.
How does Pay by Link work with Click to Pay?
When they open your link, Click to Pay recognises the card they've already enrolled with their email or device, so they skip typing a card number. They confirm with a one-time code or their device, and the payment lands in your bump balance.
Am I a merchant now? Is this a tax thing?
bump keeps personal money and side-hustle money in separate buckets. Split-the-bill payments stay personal; anything you tag as trade exports as a clean CSV at tax time. What you declare is still between you and Inland Revenue.
Join the beta
Get the card that gets paid.
New Zealand residents, 16+. Issued by Kiwibank. Invites going out in weekly batches.
A. JONES
Debit
Debit