Pay Now

Note: Pay Now will soon be retired as a payment service, and will be replaced by Ping. Pay Now accounts are still needed to use Afterpay.

Pay Now allows you to pay instantly for your purchases by credit or debit card on Trade Me.

Sellers get instant confirmation of payment and delivery address, and the payments are deposited into the seller's bank account within 3 business days.

Pay Now is covered with Buyer Protection.

How to register

Buyers don't need to register to buy with Pay Now.

To register for Pay Now, as a seller:

  1. Enter your bank details.
  2. We'll pay $0.01 will be paid into your bank account, along with a six-digit reference code. 
  3. Once you’ve got the code – submit it through ‘Pay Now registration’ in My Trade Me.

Listings must be valued at less than $8,000, with shipping costs below $600 to be eligible for Pay Now.


There are no fees for buyers using Pay Now.

For sellers, Pay Now payments have a fee of 1.95% of the total value of the purchase, including shipping costs (1.65% for Top Sellers).

Pay Now fees are additional to any success fees. 


Sellers can issue full or partial refunds for items purchased with Pay Now.

To issue a refund:

  1. Select 'Payment received' on the listing from 'Sold items'.
  2. Select 'Issue refund'.

Pay Now fees will be automatically refunded.

Payment disputes

The bank may reverse a payment if a buyer successfully disputes that they were not responsible for a charge on their card. In the event of a disputed payment, we'll provide the bank with evidence of the purchase and may require additional information from the seller, such as proof of postage. In the event of a successful dispute, the value of the transaction will be deducted from the sellers Pay Now account. 


The ins and outs of Pay Now.

Thank you for your feedback!
This form is for anonymous article feedback and we aren't able to reply. If you need help, please contact us.
Something went wrong
Try the action again, or get in touch with us.