The original mandate
Help Chinese tourists pay Australasian merchants the way they pay at home. Ten years in, that decision moves NZ$ 6M+ a month across hotels, airports, and retail chains.
BuffMoneyCross-border payments, built for AI-native revenue.
BuffMoney is a product of ePayments NZ Limited — a licensed cross-border payments operator since 2015. Ten years of regulated CNY collection infrastructure, rebuilt for overseas AI and SaaS companies billing Chinese consumers.
10+years on CN payment rails
1,500+merchants in NZ & AU
NZ$ 6M+monthly settlement volume
9settlement currencies
Operated by ePayments NZ Limited.
New Zealand's first official WeChat Pay cooperation agency — now a regional operator with 1,500+ merchants across hospitality, retail, transport, and unattended retail.
Why BuffMoney now
The direction reversed. Overseas AI and SaaS companies want to sell back into China — and they need primitives shaped around metered revenue, not tourist checkout.
Three problems, one stack.
Overseas teams trying to take CNY from Chinese consumers hit all three at once. We solved them for a decade of tourist payments. Same machinery, re-fronted.
Licensed CNY collection
Stripe routes WeChat Pay. It doesn't hold the licence, settle into your bank, or lock your FX. You need a partner registered to do all three — or you become that partner.
Usage-shaped revenue
AI revenue isn't subscription-shaped. It's tokens, agent runs, image generations. Generic billing platforms force one-SKU-per-tier gymnastics. BuffMoney bills usage events first, invoices second.
Settlement after the swipe
FX timing, channel reconciliation, currency choice, audit-grade ledger — these happen after the consumer pays. Solved once, ten years ago. Same machinery, new front door.
Ten years, six chapters.
From a single Auckland office to a regional payments operator.
2015
ePayments founded in Auckland
First WeChat Pay official cooperation agency in New Zealand.
2017
Extended into Australia
Official WeChat Pay agency in AU. Alipay live in NZ from September.
2021
Full cross-border platform
Gateway, REST API, and merchant plugins across hospitality, retail, transport.
2022
Crypto rails
Partnered with Alchemy Pay to accept crypto alongside fiat.
2024
1,500+ merchants
NZ$ 6M+ monthly settlement. POS and unattended retail live.
2026
BuffMoney launches
Same rails, rebuilt for overseas AI / SaaS billing Chinese consumers.
Built on regulated rails.
Payments at this scale only work if the operator can answer for every dollar, every entry, every consumer interaction. Here is how that's structured.
Regulated entity
ePayments NZ Limited — registered NZ company, financial service provider since 2015.
Official channel partner
WeChat Pay agency in NZ (2015) and AU (2017). Alipay partner in NZ since 2017.
Due-diligence baseline
KYB/KYC on every applicant. AML/CFT-aligned monitoring. 7-year record retention per NZ statute.
Operational posture
PII encrypted at rest. Append-only double-entry ledger. HMAC-signed webhooks. Idempotent API ingestion.
Sandbox in 30 seconds.
Email + password creates a fully working dashboard. KYC and CNY collection activate when you're ready.
Enterprise terms or compliance review? hello@buffmoney.com — one business day.