Secure online payments with Capitec Pay

Capitec Pay helps reduce checkout abandonment with card-free, instant EFT payments and commission fees capped at R7

Capitec Pay Image update - Landing Page Desktop

Capitec Pay helps drive revenue by reducing failed payments, which lead to abandoned carts. Our enhanced user payment experience lets our clients make easy, fast and safe online payments with payment providers and their merchants without entering their bank card details or sharing their banking login information, putting them in control.

 

Interested in becoming a Capitec Pay payment provider?

If you're a merchant/online retailer, please contact one of the below payment providers to be enabled for Capitec Pay.

Tap on the logo to visit the payment partner's website
 

AOPay logo

 

Bob Pay Logo

 

CarTrack logo

 

EasyPay logo

 

EasyEquities logo

 

Flutterwave logo

 

Moment Co logo 

Netcash logo 

Ozow logo 

OwnPay logo

Payfast logo 

Pay@ logo

PayGenius logo

 

PayM8 logo

PayU logo

 

Peach logo 

SIDpayment logo 

Sticitt logo 

Stitch logo

Swiffy logo 

UtiliPay logo

 

WalletDoc logo

Zota logo 

 

 

  
 

If you are a payment provider and would like to provide Capitec Pay payments for your merchants, please fill in the form below.

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What is Capitec Pay?

Capitec Pay is SA's first bank-endorsed simple and secure payment initiation API solution in market. It is based on open banking principles in accordance with the PSD2 standards, a European regulation for electronic payment services.

The API enables third-party providers to securely initiate payment requests from our clients while allowing them to choose the account they want to pay from and authenticate the payment safely through our banking app.

 

Key features

Only the client’s cellphone number, ID number or account number is needed to initiate a payment.

Clients safely consent to and approve the payment through our banking app.

There is no penalty or fee for the merchant or our client if a transaction fails.

 

Benefits

  • Improved checkout completion rates: Capitec Pay provides clients with a secure and convenient payment experience through our app, allowing you to increase your conversation rates
  • New audience reach: Access to our actively growing digital client base (11+ million as of March 2023)
  • Simplified API integration: Our integration process is easy and fast
  • Rich data: Detailed error messages allow you to better interact with your customers on the front-end
  • Less risk: Payment providers don't need to store sensitive information, lowering the risk of being targeted by fraudsters
  • Lower cost: Capitec Pay is more cost-effective than card payments. Our commission fees start at 0.7% of the transaction amount and can get as low as 0.55% based your monthly total transaction values. For transactions over R1 000, the commission fee is capped starting at R7 and goes as low as R5.50
  • Broader acceptance: By offering maximum capped fees on commission rates for payments accepted above R1000 it makes Capitec Pay acceptable to a broader range of business and use-cases