PayShap enables customers to make instant payments using their banking apps.

PayShap supports one refund per transaction only. If you perform a partial refund, you cannot perform another refund later. Availability is limited to specific participating banks with different transaction limits.

Pay by bank transfer. Can include Capitec Pay and Absa Pay in the Pay by Bank user interface.

When paying large amounts, customers should ensure their bank payment limits are high enough to cover the amount.

Capitec Pay may appear as part of the Pay by Bank experience when both are enabled.

Capitec categorises merchants as either high or low risk. Options differ by risk category:

For high-risk merchants, provide the verified South African ID number on the payment (for example via customer identity fields). Capitec Pay does not support passport numbers for low- or high-risk merchants.

Absa Pay may appear as part of the Pay by Bank experience when both are enabled.

To pay with Absa Pay, customers must have the Absa banking app. For registration guidance, see Absa: How to register for the Absa banking app.

Absa categorises merchants as either high or low risk. Options differ by risk category:

For high-risk merchants, provide the verified South African ID number on the payment (for example via customer identity fields). Absa Pay does not support passport numbers for low- or high-risk merchants.

Payflex supports payments between R10 and R50,000 by default. To request a higher limit, contact support.

See the Payflex documentation for details on how to configure the Payflex instalment calculator.

The minimum amount you can pay using ZeroPay is R30.

Download the ZeroPay instalment calculator.

Float supports payments between R1 and R99,000.

See the Happy Pay documentation for details on how to configure Happy Pay's payment widget.

See the Mobicred documentation for details on how to configure the Mobicred instalment widget.

To offer Apple Pay with Orchestration, you must:

• South Africa: Have an FNB, Nedbank, or Standard Bank merchant account.
• Mauritius: Have an MCB or Absa Mauritius merchant account.
• Send Peach Payments your Apple Pay merchant ID and certificates. Peach Payments configures these for your account.

To offer Google Pay with Orchestration, you must:

• Have an Absa, FNB, Nedbank, or Standard Bank merchant account.
• Send Peach Payments your Google Pay merchant ID. Peach Payments configures this for your account.

To offer Samsung Pay with Orchestration, you must have a Nedbank or Standard Bank merchant account.

Refunds are not allowed on debit cards. You can process a reversal on the debit card using the Scan to Pay service, but you must complete it within six hours of the original transaction.

Multiple banking and payments apps support Scan to Pay QR codes, including Nedbank Money, Standard Bank, Absa Banking App, Capitec Bank, FNB Banking App, RMB Private Bank App, Scan to Pay, VodaPay, Telkom Pay Digital Wallet, and Spot Money - Mobile Banking.

MoneyBadger enables you to accept crypto payments from Bitcoin Lightning Network, Luno, VALR, Binance, and Bybit wallets.

Refunds:

• You can only refund amounts equal to or more than R25 (including partial refunds).
• For Bitcoin Lightning Network wallets (not required for Luno, VALR, Binance, or Bybit), customers must provide their wallet address during the initial payment if they want to refund later. Otherwise refunds fail with response code 800.100.195.

Peach Payments bases the refund amount on the item’s Rand (ZAR) price at the time of purchase, then converts to crypto using the exchange rate at refund time. The customer might receive a different amount of crypto than they originally paid.

• Example: customer paid R100 (0.00004 Bitcoin at purchase).
• Refund value: R100.
• Customer receives R100 worth of Bitcoin at the current exchange rate.