POLi is a bank-payment service provided in New Zealand by Merco Limited. Customers pay a merchant from a supported bank account. POLi's New Zealand service continued after the Australian service closed on 30 September 2023. For broader comparisons, see our guide to casino payment methods.

Its current payment arrangements include Open Banking connections. These use an agreed interface between POLi and the bank, with authentication handled through the banking service described for that connection.

POLi's announcement states that Australia Post would close the Australian service on 30 September 2023 and that Merco would acquire local ownership to continue operations in New Zealand.

The two markets therefore have different service histories. A New Zealand payment guide should use New Zealand product terms, banks and checkout instructions.

POLi's consumer terms distinguish banks with an Open Banking agreement from other arrangements. For a bank with such an agreement, the payment uses the relevant Open Banking interface.

ASB announced its POLi partnership on 2 May 2025. Its description states that customers authenticate and authorise payments in the ASB mobile app, without sharing their banking username and password with POLi. POLi also publishes a separate Open Banking page for Westpac.

The bank's electronic-banking conditions apply to other methods of access. ANZ's published guidance warns against disclosing a banking password to a person or website outside its own Internet Banking service.

For a merchant offering the ASB connection, select POLi and choose ASB from the bank list. Review the payment and approve it through the ASB mobile-banking process, then return to the merchant's checkout to view the result.

At a casino, keep the payment receipt and compare it with the cashier transaction history. Bank authorisation, payment confirmation and the casino's balance update are separate events.

A POLi purchase starts a payment from the customer's bank account to the merchant. Casino withdrawals follow the operator's payout instructions. Read the destination, account-ownership requirements and payment schedule in the withdrawal section before making a deposit.

Use the amount and currency displayed for the selected bank connection. The merchant's pricing for accepting payments and any charges shown to the customer are different parts of the transaction.

POLi's consumer terms make the bank connection important. For an Open Banking agreement, use the authentication process provided for that connection. ASB's description specifically places approval in its mobile app. That description should be read as an ASB process rather than instructions for every bank listed by a merchant.

Check the bank selected in the checkout and compare the payment amount with the request you approve. Follow the bank's rules on credential use. ANZ's guidance about protecting banking passwords remains relevant when evaluating a payment flow that asks for access details.

An account debit and a merchant balance credit have separate records. Save the bank confirmation and checkout reference, then check the casino account history. If the balance differs, provide the amount, time and payment reference to support before repeating the deposit.

For winnings, read the operator's withdrawal instructions for the receiving destination and approval process. A bank-funded purchase and an outgoing casino payout are separate operations. Compare any charges shown for the payment actually selected, rather than using a merchant acceptance price as the player's tariff.

Read the bank connection's instructions before approving the request. ASB describes authentication in its mobile app, while POLi's terms distinguish other arrangements. Apply the selected bank's own credential rules and use its official support channel for questions about account access.

Payment authentication and access to a gaming account serve different purposes. Read the operator's own requirements for identification, account ownership and withdrawals before choosing a deposit route. A successful authorisation records approval of a payment; it does not settle a later dispute about winnings or establish a casino's licensing status.

The points below separate the product or historical feature from what it means when reading payment information.

A bank transfer sends money between accounts and provides a banking reference. A card payment uses the card issuer's authorisation process. An electronic wallet holds a separate payment balance, so loading it and paying a merchant are distinct operations. Compare the route available in the casino with the destination offered for winnings.

Use the payment currency, amount credited, relevant fees and payout requirements for the comparison. The most useful choice is a route whose full sequence you understand, from funding through approval to receipt of a withdrawal.

Use the following checklist with the terms for the actual account and transaction:

• The exact product and legal provider named in the checkout.
• The country and currency covered by the payment instructions.
• The separate deposit and withdrawal destinations.
• The minimum and maximum amounts for the selected operation.
• Charges for funding, conversion and receiving the payment.
• The approval stage, transfer stage and references used to trace them.
• Identification and account-ownership documents requested through official channels.

Keep the relevant terms and payment confirmation with the transaction record. That gives support the original information for the order being discussed, including the product name used at the time.