Select a topic from below to see Frequently Asked Questions and Answers



On Account

Trade Card

Employee Benefits


On Account FAQs


To “open” an account with a supplier generally means you need to complete a trade application form. The form will ask you specific questions about your business, how much you are likely to spend with the supplier, as well as provide references of the others whom you trade with. Having an account with any supplier, regardless of them being part of the n3 network, means you have met their credit criteria and terms. Once you have set up an account with a supplier, you purchase goods, and pay for them at a later date, when they send you an invoice. This is the most common trading method for businesses, as it helps with cash-flow and management.

Your n3 Account Manager will help facilitate the account opening process between you and n3 suppliers. Application forms are available online or in hardcopy, depending on the supplier. If you are logged into the website, you can also navigate to a Suppliers dedicated page and download their Application form, and upload it.

Visit www.n3.co.nz/browse-suppliers and click on a supplier that interests you. Once you are on their profile, you will see three icons showing how you can trade with the supplier – if the icon is green it means you can trade On-Account, if it is grey it means it is not available.

ways to trade

If your business already has contracts set up with one of our suppliers, “Linking your Account” means switching your existing account over to n3 pricing. You maintain the direct relationship with the supplier, simply on n3 pricing. We’ll only ‘Link your Account” where beneficial. Plus, if already have an account with the supplier there is little or no paperwork involved with this process.

To Link an Account you will need to know your account number and name (usually you can find this on a recent invoice), and in some cases the branch you have an account with. Your n3 Account Manager can help you to contact the suppliers, otherwise you can login to the n3 website. Simply navigate to their supplier profile and click ‘New Case’. From the drop down box you can select ‘Link Account’, you will be prompted to add your account number, and in the Notes section add in any other relevant details you may have. Note that n3 will only ever Link an Account if the price structure benefits your business.

The supplier will confirm that you will save money before moving you onto n3 pricing.

It really comes down to how your business works. If you prefer to pay cash and manage receipts then the Trade Card is going to be the best option. However, On-Account will give you the biggest range of suppliers, and best credit term. With a few of the suppliers the On-Account discount is better than the Trade Card.

The savings you achieve will vary from supplier to supplier. Most suppliers do not offer a flat discount across all their products or services, and savings can vary by product category or individual product. Individual member savings depend on the products and volumes purchased by each member. The savings percentage shown against each supplier on the website is therefore intended as a guide only.

The majority of n3 Suppliers provide detailed monthly reports which show the spend and savings for each Member. The savings are reported against the supplier’s baseline which may be the retail price, a list price, trade price, or distributor price, depending on the supplier’s operating model.

On the 25th of every month we email our Members their Spend & Savings report. You can also login anytime to our website. On your Member Dashboard, you’ll find some quick stats about your savings, and can download the report by clicking on the ‘See Full Report’ button. Note we only upate the report once a month.

The n3 website shows the savings achieved across the aggregate of all n3 members’ spend. Individual member savings will depend on the specific goods and services purchased by that member, which may not be representative of all n3 member purchases. Individual member savings may therefore be greater or lower than the figure shown on the website.

The savings percentage shown is intended as a guide to the savings that may be achieved when purchasing from the supplier as an n3 member.

The savings figure shown for each supplier is based on the aggregate of all n3 members spend for that supplier, and may be calculated from:


1. Savings for all n3 members where these are reported in detail by the supplier.


Typical member saving = All n3 Member Savings/ All n3 (Member Spend + Member Savings)


2. Where suppliers do not provide as much reporting detail, the estimated savings are calculated based upon a number of factors including the supplier’s contracted n3 rates and discounts, savings calculated against RRP/list price from a sample of n3 members’ actual spend, the supplier’s tender response pricing, or other relevant information.


3. A combination of the above if the actual savings have only been available for less than six months.


Most sales (over 83%) have detailed savings reported by suppliers, so provide an accurate guide to the savings achieved. Sales and savings figures are regularly reviewed by n3, and the typical savings figures are updated accordingly.



Trade Card FAQs


The Trade Card is a Card and/or App that allows our Members to receive in-store or online discounts on business purchases from some of our most popular suppliers without the need to open a trade account.

The Trade Card great for adhoc business related purchases when you don’t have an account set up with a supplier. For example, if you owned a painting company and you realise you’ve forgotten to bring paint brushes. Rather than driving across town, you save time and money by using the Trade Card at a supplier close by.

If you’re an n3 member and the person who primarily deals with n3 you should already have access to Trade Cards when you login to our website, under the Member Dashboard. If you need help email ask@n3.co.nz or your Account Manager and we will make sure you and your staff have access.

If you are not the Prime Contact, firstly confirm – do you make purchases on behalf of your business? If yes, then the best place to start is with your employer. If you answered no, and want to make personal purchases you may be looking for our Employee Benefits. Again, the best place to start is with your employer.

Only the person in your organisation who primarily deals with n3 can manage Trade Cards, and order new ones. If you’re the Primary Contact, head to your Member Dashboard and click on ‘Manage Trade Cards’. A page will load showing you all of your existing cards. Click on “Request New Trade Card” and select a contact. If you can’t find the person you are looking for, you can also add a new contact.

No you don’t. Purchases using the Trade Card must be paid for with cash/card at the time of purchase.

We provide limited reporting for Trade Card spend. We recommend keeping your receipts from your Trade Card purchases if you would like to keep track of your business spending.

Send an email to your Account Manager, or to ask@n3.co.nz with the name of your organisation, and the name of the employee. Alternatively, you can manage your Trade Card users by logging into our website.

Yes, we have a Trade Card App. To get the app the person in your organisation who primarily deals with n3 will need to place an order for you. They can do this within the ‘Manage Trade Cards’ section of the website, under ‘Request new Trade Card. They can select to just order a card, just order an app, or order both.

Our Trade Card suppliers do a great job at training their staff, however if you do experience please let us know immediately on 0508 20 30 40 or ask@n3.co.nz

Firstly, let us know so we can deactivate your Card for you. Then you will need to request a new Card via the person who primarily deals with n3.

On the back of the Trade Card or within the App you will see a full list of suppliers of where the card is accepted at. Fuel is not currently available of the Trade Card, however we do have great offerings from Mobil, BP, Caltex and Cardlink for business purchases. To find out more click here.

Not every supplier is available on the Trade Card. You can see how you can purchase with each supplier on their profile. To look at suppliers click here.



Employee Benefit FAQs


Employee Benefits lets you reward your team. Your staff can receive discounts for personal purchases with some of our favourite suppliers. From insurance to DIY, travel to tyres - your staff can personally benefit from better prices

If you’re the person who primarly deals with n3 you should already have access to Employee Benefits. If you need help, email ask@n3.co.nz or your Account Manager. If you do not usually deal with n3, but would like access to Employee Benefits, the best place to start is with your employer. Provided your organisation is an n3 Member, your employer should have all the information to get you started. Otherwise, you can access Employee Benefits via our websites online vouchers. To make sure only eligible users can access our Employee Benefits, you will need to email ask@n3.co.nz to receive the link.

The Employee Benefits Card helps suppliers identify your eligibility for Employee Benefits discounts in their stores. It's designed to fit inside your wallet and be used again and again. Refer to your card for the list of participating suppliers and their offers, or visit the registration page.

The Employee Benefits Card is convenient because it can be kept in your wallet – but you’ll find a bigger range of suppliers online through our vouchers. If you do want an Employee Benefits Card, you will need to ask your HR team or the person who primarily deals with n3. NB: Managers – If you need to order more Employee Benefits Cards, please contact your Account Manager.

No, you must pay for all goods at the time of purchase, so there will be no credit link to your organisation.

No, you must pay for all goods at the time of purchase, so there will be no credit link to your organisation.

Currently our vouchers are valid for 3 months from when you download them. However please check our website regularly, as sometimes things change.

No. You can download and use as many On-demand Vouchers as you like, as often as you like.

Simply present in-store when purchasing your goods to redeem the offer.

When you download our vouchers, or if you are registering your Card you will be asked whether you would like to sign up to special offers. If you select ‘YES” we will email you every time we have a special offer. We have special offers from suppliers like Noel Leeming, Millennium Hotels and Big Save Furniture every 1-2 months.

You may have received a confirmation email from us telling you, you’re all signed up. If not, and if you haven’t received a Special Offers email in the last month or so, send a quick email to ask@n3.co.nz. Our team can easily check for you and sign you up if you need be.

The Trade Card is for business purchases only, so you’ll need to check with the person at your organisation that primarily deals with n3. Or if you are the prime contact for your business, your Account Manager can help you out.

Employee Benefits is only available for personal purchases by employees and volunteers. n3 member organisations receive better trading terms by purchasing on-account or through the n3 Trade Card.

Firstly, let us know so we can deactivate your Card for you. Then you will need to request a new Card via your HR team or the person who primarily deals with n3. Remember you can still access the supplier’s discounts via our website vouchers while you wait for the new Card. You’ll get all the same suppliers and more.

Eligibility to use the n3 Employee Benefits program expires when an employee leaves. Once n3 is notified, we can deactivate access to the program for former employees so they cannot continue to use the n3 Card or On-demand vouchers. If they do use them in the meantime, this is still ok, as there is no cost to your organisation or ability to use On-Account facilities.

Unfortunately, not yet – but a lot of people ask us for an ID or PIN. Currently we have a Trade Card app, which is a different product to Employee Benefits. Our Trade Card is for business purchasing only.

For those of you just wanting Employee Benefits, you do not need a login. The logged in section of our website is the main point of contact regarding n3 membership. The website is set up for them to manage their n3 membership, manage business related suppliers and more.

We’re sorry about this – it is to prevent non-n3 members from accessing them too. We need to ensure that the great deals from our suppliers can only be accessed exclusively by our Members. But we are working on better solutions to make this easier for you, so watch this space. If you can’t locate them please send an email to ask@n3.co.nz and our friendly team will point you in the right direction.

You need to pay for the goods in full at the checkout in order to receive the n3 Employee Benefits discount or special deal. Cash, EFTPOS and credit cards are accepted. n3 Employee Benefits Suppliers don't allow on-account purchases. The n3 Card and On-Demand Vouchers remain the property of your company and must be returned to your employer when you leave. They are also not transferable to other people outside your employment, including friends and family.

Suppliers may require proof of employment with your organisation such as a business card or letterhead when you present your Employee Benefits Card, Discount Vouchers or Special Offer flyers in-store.