S’ka stressa ka cash

Whether you’re a mechanic or running a hair salon, let us help your small business grow.

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What you get:

  • Savings account: Easy-to-use transactional account with a free debit card and our convenient app
  • PayShap: Instant payments from any bank at your fingertips
  • Pay2Cell: Capitec to Capitec payments directly into your account using your cellphone number
  • Card machines: Safely accept card payments, with transactions clearing within 24 hours, even on public holidays
  • Branding material: Receive a complimentary poster encouraging customers to use cards for safe transactions
  • Credit: Access business loans with a Global One account, alongside electronic and card payment facilities and cash deposits

Why choose us?

We give you access to credit to grow your business with electronic and card payment solutions that reduce cash payments and increase your business security.

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Get instant payments from any bank account.

Why use PayShap

  • Getting payments is free
  • All you need is a cellphone number
  • Instant payments made easy
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Cash Deposits

Making deposits is an important part of growing your small business.

Why deposit your business earnings

  • It clearly shows your income streams
  • You could get personalised credit options based on your deposits
  • Depositing your money in a bank account is safer than keeping it as cash in your store
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You could get up to R500 000 credit for your business use.

What is credit for small businesses?

  • For clients that have a fixed monthly salary and/or income from multiple sources
  • Includes an access facility and credit card
  • You can choose your monthly repayment date

Why you need credit

  • Buy more stock, do more business, and grow
  • Get equipment to improve your business
  • Support your business during unexpected expenses or losses
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Card Machine

Get paid quick-quick with our card machines.

Why choose our card machines

  • Pay a low commission of only 1.32% on debit cards and 2.18% on credit cards
  • Free next-day settlements, including weekends and public holidays
  • No monthly fees
  • You could qualify for personalised credit after 3 months
Save big on commission with our card machines
Our feesCompetitor fees*
Debit card commission rate1.32%3.11% - 3.16%
What we chargeWhat competitors charge
Per R100R1.32R3.11 - R3.16
Per R500R6.60R15.55 - R15.80
Per R1 000R13.20R31.10 - R31.60

Competitors’ fees: Pricing comparison is based on an independent study using information published on competitors’ websites as at March 2024.

Get in touch

For help with your banking, chat with us on WhatsApp 067 418 9565. We are available 24/7. Alternatively, call us on 0860 10 20 43 or email us at ClientCare@capitecbank.co.za. For card machine support, call 0860 66 77 06 or email MerchantSupport@capitecbank.co.za.

Terms and conditions apply. All products and services are subject to eligibility criteria and approval by Capitec.