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Scan to Pay Capitec Bank

What is scan to pay?

  • It's a payment service you can use on our app that lets you make secure cashless payments with your Main Account card
  • It’s easier, quicker and safer than paying with cash – and your card won't even leave your wallet
  • It allows you to scan a quick response (QR) code (an array of black and white squares like a barcode) directly from our app to pay for your purchases
  • To pay, scan any major QR codes like MasterpassTM, SnapScan and ZapperTM from our app at participating retailers and merchants in-store and online
  • The many layers of security within our app make scan to pay very safe to use. All purchases are also subject to the card limits you set and must be authenticated by your biometrics, facial recognition or secret Remote PIN

How to scan to pay

Download the Capitec app below to get started!

Apple App Store Huawei App Gallery Google Play Store
 

Once you've downloaded our app, sign in and set your online limits:

Step 1: Tap Transact

Step 2: Tap Scan to pay

Step 3: If it's your first time using scan to pay, read and accept the agreement then allow the app to access your camera

Step 4: Tap Scan to scan the QR code displayed at the paypoint, on the card machine in-store or at checkout online

Step 5: Choose a card to pay with (your debit card is your default payment card)

Step 6: Enter the amount

Step 7: Tap Pay

 

To add scan to pay to your favourites for quick access:

  • On the home screen, tap Edit to view your current favourites
  • Choose Scan to pay from the list of favourites

Note: You can have a maximum of 6 favourites displayed on the home screen. So if you already have 6, you'll have to remove one of your other favourites.

You don’t need multiple apps on your phone, scan the major QR codes straight from our app.

Where you can use Capitec scan to pay

  • Look out or ask for MasterpassTM, SnapScan and ZapperTMQR codes at paypoints (usually on the card machine or on display), at checkout online or on your account statements
  • Scan to pay at our Capitec Rewards partners like Dis-Chem, at retailers like Shoprite, Checkers and Pick n Pay or at restaurants and markets. You can also scan to pay your accounts like DStv

 

Why use scan to pay?

  • When you use scan to pay, there are no transaction fees (depending on the card you choose to pay with, there may however be card-related fees, e.g. if you use your credit card, you may be charged interest on your credit card balance)
  • You don't need to have multiple apps on your phone, scan the major QR codes straight from our app
  • Unlike other QR payment apps, you can view your available balance before making a purchase
  • If you’re a Vodacom, MTN or Cell C subscriber, you automatically qualify for zero-rated data. This means you don't need any data to use our app, you just need airtime to ensure your phone line is open

FAQs

No. You need an internet connection to use Scan to Pay on our app. Both you and the person or business receiving the payment must be connected to the internet for the QR payment to work.

Yes.  If you are a Vodacom, MTN of Cell C subscriber you automatically qualify for zero-rated data. This means you don't need any data to use our app, you just need airtime to ensure your phone line is open. 

No. If your default card is blocked or expired, you won’t be able to use Scan to Pay until you update or replace the card linked to your account.

To continue using Scan to Pay:

  • Activate your new or replacement card on our app
  • Make sure your card is active and not blocked
  • Check that your app is updated and connected to the internet

If you still can’t make payments after updating your card, contact our Client Care Centre for help.

Your Scan to Pay spending limit matches the card limit you've set on our app.

Before using Scan to Pay, make sure your card settings are enabled:

  • Your daily card limit is set high enough for the transaction amount
  • Online purchases are enabled for your card
  • Your card is not frozen

If any of these settings are not enabled, your Scan to Pay transaction may be declined.

How to change your transaction limits on our app:

  1. Sign in
  2. Tap Cards
  3. If you have more than one card, choose the card you want to use
  4. Tap Set temporary limits or Update permanent limits
  5. Choose Online/Scan to Pay
  6. Enter a limit amount and tap Set
  7. TapConfirm and enter your PIN or biometrics

Yes. You can use Scan to Pay for both in-store and online payments at participating merchants that support QR payments.

For in-store purchases, simply scan the merchant’s QR code on our app.

For online shopping, select Scan to Pay at checkout. You’ll then scan the QR code displayed on screen to complete your payment securely on our app.

Scan to Pay can be a safer and more convenient way to pay because it reduces the need to carry cash or share your card details.

Payments are completed securely on our app and require verification using your app PIN or biometrics.

Yes. For in-store payments, you’ll get a receipt from the merchant just as you would with any other card machine transaction.

You can also view your transaction history on our app.

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