• vision

  • What is the vision

    Smart mobile payments for all.
    Low value, high trust transactions between people and the businesses, groups, and charities. A replacement for cash. Enabling micro-donations for all charities.

  • Helping smallest groups and businesses

    Our mission is to help everyone accept smart payments, with easy setup and no account fees. No amount too small.

  • How do we protect your privacy

    No ads, no selling your personal data or spending habits to 3rd parties.

  • basics

  • How does it work

    Use the PhoneMe.Money mobile app to register and confirm your mobile number. Topup money into your digital wallet giving you a balance. Pay merchants, groups, or charities by scanning their QR code, using their mobile number or selecting them from a list. Payments are instant - your balance reduces and theirs increases.

    Keep track of expenses with your friends using IOU's and UOMe's - a social way of keeping score that is completely free. Use their mobile number (which you already know if they are a contact of yours), and they use your mobile number (which they already know if they are a contact of yours).

    Pay other users (that have registered a bank account) with actual funds, by paying their mobile number which we direct to their bank account. Other users can pay you (if you have registered a bank account) by paying your mobile number which we direct to your bank account. There is a fee of 1% for these type of payments

    We do not currently allow person to person wallet payments, but are looking to provide this in the future.

  • How do I sign up

    Download the app, and when the app starts you will be asked to Sign Up or Sign In. As a new user choose the SignUp option and use your social media account or email and password. You then need to confirm your mobile number - we send you a verification code by SMS text message.

  • Can i sign up with my Google account

    Yes - choose the Google option when you are on the sign up screen.

  • Can I sign up with my Apple account

    Yes - choose the Sign in with Apple option when you are on the sign up screen.

  • Can I sign up with my Microsoft account

    Yes - choose the Microsoft option when you are on the sign up screen.

  • Can I sign up with my Facebook account

    Not yet - coming soon.

  • How do I reset my password

    If you sign up with a social media account, then you maintain that account with them.
    If you signed up with an email and password, you can reset your password from the sign in screen.

  • How do I change my password

    If you sign up with a social media account, then you maintain that account with them.
    If you signed up with an email and password, you can change your password from the sign in screen.

  • payments

  • How long do payments take

    They are instant.

  • How does it work to be paid as a merchant, group, charity

    It works the same way as when you pay someone. The transaction occurs instantly and you will get a notification that you received payment.

  • What are KeepTracks

    These are a social way of keeping track of expenses between friends and colleagues. They are not financially binding, so you do not need a balance to use them.

  • How does it work for someone to pay me (as a person)

    You have to register a bank account. Payments to you will be made to your bank account. There is a 1% fee

  • How do I topup

    You use your own online banking app to make a payment to the PhoneMe.Money bank account according to instructions we provide. The payment instruction includes your own phone number and a code we provide. As soon as we see the funds arrive with the matching phone number and code, they are credited to your balance on PhoneMe.Money.

    If you make a payment without including the reference number and code, there may be a delay or failure to load funds. The payment may have to be reversed which will incur costs for you.

  • Do you need my bank details

    We do not need your bank details for you to topup. We only need your bank account number if you withdraw funds, so that we can pay you or so others can pay you.

  • How do I withdraw funds

    There is a menu item to withdraw funds. You can withdraw up to your balance. There is a 1% fee for withdrawing money.

  • Can I topup with a credit card

    No, not at this time. We aim to be a zero transaction fees platform.

  • Can I pay to a bank account number

    No, not at this time. You can only pay other platform users, businesses, and organisations.

  • Are there any transaction fees

    There are no fees to topup, to pay other users, or to receive money from other users. There is a 1% fee on withdrawal.

  • Why is there a withdrawal fee

    This is the chosen revenue philosophy behind PhoneMe.Money. There are no ads and your transaction history is private and not provided to third parties.

  • privacy

  • Do you sell or trade my private data

    No. Your transaction history, contacts, and all other information are kept private and not exposed to third parties.

  • What private data do you store about me

    Your provided name, phone number and profile image if you upload one.
    Your transaction history and your current balance.
    The document images and details provided if you confirm your identity.

  • Is my private information held securely

    Yes - all your private personal information, and document images are stored securely in an encrypted form. We do not store credit card details (we never ask for them) or passwords (we use a secure 3rd party provider)

  • Can I download all my data

    Yes. You can download all your transactions.

  • Can I delete all my history

    You can delete them from your own view, but your transactions are shared with each of the other parties you paid to or received from. In addition your personal information for identity confirmation and transaction history must be retained for government mandated AML (Anti Money Laundering) purposes for a number of years.

  • Can the government see my data

    Not by default, but yes under lawful mandated requests from regulatory bodies such as - <IRD and police>.

  • topup

  • How do I topup

    You use your own online banking software to direct debit the supplied PhoneMe.Money account, including your own phone number and a code supplied. As soon as we see the funds arrive they are credited to your balance on PhoneMe.Money.

  • I don't see my bank in the list

    Please select the default bank instead. We are increasing the range of banks we support for fast topup services.

  • How can I make a topup in a different currency

    We do not support other currencies at this stage.

  • How can i topup if I don't have a bank account

    New Zealand is a highly banked country, meaning a very high proportion of residents have bank accounts.
    However there are still unbanked persons and we are looking at ways that a trusted agency can make payments to such users in PhoneMe.Money. Being paid in PhoneMe.Money is the same outcome as a topup - your balance increases.

  • business

  • Can I register as a sole trader

    Yes. We accept signup for sole traders.
    We will confirm your details so that we can mark you as verified to other users.
    You will have to confirm your identity.

  • Can I register my company

    Yes. We accept signup for most NZ registered companies.
    We will confirm your details so that we can mark you as verified to other users.
    An owner of the company will have to confirm their identity.

  • How can i make it simple for customers who are existing users to pay

    The simplest way for a person to pay you the first time is for them to scan your custom QR Code. This could be at your Point of Sale or in an email or on your own website. You can get the custom QR Code (an image) for your business from the PhoneMe.Money sign in website, and print it out or send it in emails as you need.
    If you have a number of fixed price items, you can create a simple product list in PhoneMe.Money that users can browse and pick from. You can provide QR codes for individual or groups of products too.
    People can also search for your business by name in the app.
    Regular customers can add your business as a favourite in the app.

  • club / society

  • Do we need to be an Incorporated Club / Society

    Yes. We accept signup from incorporated societies with a predominately New Zealand focus.
    We will confirm your details so that we can mark you as verified to other users.
    One of the officers of the club will have to confirm their identity.

  • How can i make it simple for members who are existing users to pay

    The simplest way for a person to pay you the first time is for them to scan your custom QR Code. This could be in an email or at an event or on your own website. You can get the custom QR Code (an image) for your club from the PhoneMe.Money sign in website, and print it out or send it in emails as you need.
    If you have a number of fixed price items, you can create a simple product list in PhoneMe.Money that users can browse and pick from. You can provide QR codes for individual or groups of products too.
    People can also search for your club by name in the app.
    Regular attendees can add your club as a favourite in the app.

  • How can i make it simple for members to join PhoneMe.Money and take part

    It takes about a minute for a new user to download and register with the app. Download links for the mobile apps are on our website.

    A new user can make KeepTrack payments (an IOU) straight away. The club can choose to accept KeepTrack transactions from club members who are trusted, as a promise of payment in the future. The club member can settle up the KeepTrack with a standard payment once they have topped up their balance.

  • charity

  • Do we need to be a Registered Charity

    Yes. We accept signup from registered charities with a predominately New Zealand focus.
    We will confirm your details so that we can mark you as verified to other users.
    One of the officers of the charity will have to confirm their identity.

  • What are Micro Payments / Donations

    Micro payments and donations are just small value payments - like a gold coin donation ($1) or smaller.
    You can accept payments of any amount no matter how small. That means everyone can take part and give a little, because together we can make a difference.

  • How can i make it simple for people to donate

    The simplest way for a person to pay you the first time is for them to scan your custom QR Code. This could be in an email or at an event or on your own website. You can get the custom QR Code (an image) for your charity from the PhoneMe.Money sign in website, and print it out or send it in emails as you need.
    People can also search for your charity by name in the app.

Close