Collect one-off or recurring payments. With faster settlement, lower fees and easy setup.
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Savings calculator
Your monthly billing volume
$10,000 / month
Monthly transactions
You save every month
That's $2,076 saved per year
Weekly and monthly memberships, collected from every member automatically.
Set up automatic payments for your customers. They approve once via their banking app and payments collect automatically with no need for paper forms.
Send a payment request link to any client for casual sessions, one-time charges, or top-ups. They pay directly from their bank account in seconds.
Every payment, recurring or one-off, in one clean view. See who's paid, what's collecting, and what's already retrying, with straightforward setup for you and your customers.
Payments run on BlinkPay, ISO/IEC 27001:2022 certified and independently audited.
You've probably paid a bill straight from your banking app before, approving it right there instead of typing in a card number. That's open banking. Payment details are pre-loaded into your client's bank from your package, they approve and you're good to go.
Elkopay runs on BlinkPay, a New Zealand open banking provider with a direct, secure connection to the country's major banks. BlinkPay handles the bank connection; Elkopay is the platform you and your clients actually use.
*Assumes 100 payments per month. Stripe pricing from stripe.com/nz/pricing, July 2026.
A card payment routes through Visa or Mastercard, the client's bank, and an acquirer. Every party takes a cut. An open banking payment moves from their bank account to yours. That's the whole route, and it's why the rate is 0.99% instead of 2.65%.
Cards get lost, cancelled and reissued, and every one becomes a failed payment you have to chase. Bank accounts stay put, so payments keep collecting month after month.
Card payments can be disputed months after the money lands. An open banking payment is approved by your client in their own banking app, so there's no chargeback mechanism. Money that arrives, stays.
Card settlements batch through intermediaries over 3 to 5 days. A bank payment clears bank to bank, which is how money lands in your account within 2 hours during business hours.
As a PT and co-owner of a gym myself, I know the struggle of managing client payments first hand. You either chase each payment manually and match it off in your bank, which eats your time, or you hand Stripe a chunk of money you've already earned. I built Elkopay to fix both: lower fees, less time chasing clients, and your money in your account faster.
The name? My two dogs, Ellie and Koda. Elko.
Matt Johnson
Founder, Elkopay · Co-owner, Inner Strength Gym
No monthly fees. No tiers. No negotiating. One honest rate for everyone.
