It’s just like a bank. But so much better.

Make and receive payments with a New Zealand bank account backed by ANZ. Emerge works just like a bank account but with a lot more functionality packed in.

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Ditch the hassle, embrace effortless payments

Tired of slow, outdated payment systems and chasing invoices? Emerge streamlines your payments, making it easy to send and receive money.

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Your all-in-one business account

Emerge is more than just a payment tool; it's a fully-featured business bank account built for the digital age.

  • Accept payments

    Receive money from customers and clients via direct deposit, bank transfers, or secure card payments.
  • Send payments

    Pay bills, suppliers, and employees with ease.
  • Manage cash flow
    Track your income and expenses in real-time to stay on top of your finances.
  • Instant Emerge-to-Emerge

    Transfers Emerge-to-Emerge happen in real-time for even faster payments in or out.
Account

Schedule payments for repeat or future payments

Plan ahead and keep your payments on track - never worry about missing a due date.

  • Automate recurring payments

    Schedule recurring payments at regular intervals to save time - rent, utilities, subscriptions, you name it.
  • Track subscriptions or upcoming costs

    Get reminded of all upcoming payments and be notified if your account balance is too low to pay them.
  • Schedule one-off payments for later
    Simply schedule a one-off payment from your account to be made at a later date.
Setting up a scheduled payments

It's as easy as 1, 2, and 3. Never worry about missing a payment date.

Emerge Pay - a better way to take payments
Scan: QR payments

Simply create a unique QR code that customers can scan from the mobile to make a secure payment into your Emerge account.

Find out more
Tap: Mobile Payments

Turn your mobile device into a contactless terminal so that customers can just tap their card or Google/Apple Pay to purchase.  Soon here!

Coming soon
Go: Emerge terminals

Need a fixed terminal for your business but don’t want to pay the outrageous fees other providers charge? Us neither - we’re on it.

Coming soon

Multi-sign approvals

Need dual or multiple approvals on larger payments? We’re on it.

You’ll soon be able to set your own rules that require multiple approvals before being processed to match your in-house policies.

Supercharge your finances with Xero

Emerge's seamless integration with Xero takes the pain out of bookkeeping.

  • Automatic syncing
    Your Emerge transactions flow directly into Xero, eliminating manual data entry.
  • Streamlined reconciliation

    Easily match transactions and reconcile your accounts, saving you valuable time.
  • Simplify multiple invoice payments
    Simply upload to Xero, approve and pay invoice batches from you mobile.
Integrations

Frequently asked questions

How do I make payments with Emerge?
How do I set up scheduled payments?
Can I set up multi-approval workflows for payments?
Can I send and receive international payments?
Is there a fee for making payments?
How does Emerge integrate with Xero for payments?