Customer Type

Customers (B2C)

From recurring debit orders to instant in-app payments, RealPay's B2C payment products cover every way a consumer might pay, across every channel they use.

Business-to-Consumer (B2C) payments are where scale, variety, and customer experience matter most. Consumers pay in different ways, some prefer debit orders, some tap their phone, some pay via their banking app, some use mobile wallets, and a business that only accepts one or two of these options is leaving revenue on the table. RealPay's B2C product suite covers the full spectrum of consumer payment methods across Southern and East Africa, from DebiCheck and EFT Debits for recurring collections, to Instant EFT, PayShap, and bank-specific apps for instant payments, to RealPay TAP and the SUNMI P3 for in-person, to Mobile Money for unbanked markets.

Key considerations

  • Consumer account collections should prioritise DebiCheck for maximum dispute resistance
  • Instant and online payment methods (Instant EFT, bank apps, PayShap) are non-disputable and ideal for one-time consumer payments
  • In-person card acceptance (RealPay TAP, SUNMI P3) is essential for any business with a physical customer interaction point
  • Mobile Money extends B2C reach into markets where a significant portion of the consumer base is unbanked
  • AVS-R verification should be run at customer onboarding to validate banking details before the first collection runs

Suited products

Absa Pay

Let Absa Bank customers pay you instantly through their banking app. Final, fraud-free, and confirmed within seconds.

  • Instant Payments
  • Non-Disputable
  • Integration Ease (API Access)
Customers (B2C)

AVS-R

Verify any South African bank account in real time, before you collect or pay out. Eliminate fraud, reduce failures, and protect your cash flow from preventable losses.

  • Risk Reduction (Verification)
  • Integration Ease (API Access)
Customers (B2C)

Capitec Pay

Give Capitec Bank customers a fast, trusted payment experience. Instant, non-reversible, and authenticated through their own banking app.

  • Instant Payments
  • Non-Disputable
  • Integration Ease (API Access)
Customers (B2C)

Capitec Recurring

Bank-authenticated recurring collections from Capitec Bank clients. Dispute-resistant, digitally confirmed, and built for South Africa's fastest-growing customer base.

  • Recurring Payments
  • Tracking
  • Non-Disputable
  • Integration Ease (API Access)
Customers (B2C)

Card Payments Solutions

Accept Visa and Mastercard payments across in-person, online, and mobile channels, with built-in tokenisation for seamless recurring billing.

  • Recurring Payments
  • Instant Payments
  • Tracking
  • Integration Ease (API Access)
Customers (B2C)

DebiCheck

South Africa's bank-authenticated debit collection system. Eliminate disputes, secure mandates, and protect your recurring revenue from day one.

  • Recurring Payments
  • Tracking
  • Non-Disputable
  • Risk Reduction (Verification)
  • Integration Ease (API Access)
Businesses (B2B)Customers (B2C)

E-Commerce

One payment gateway for cards and Instant EFT, with tokenisation for subscriptions, one-click checkout, and recurring billing built in.

  • Recurring Payments
  • Instant Payments
  • Tracking
  • Integration Ease (API Access)
Businesses (B2B)Customers (B2C)

EFT Debits

The most widely used recurring collections method in Southern Africa. Reliable, high-volume, and built for businesses that need to collect at scale.

  • Recurring Payments
  • Integration Ease (API Access)
Businesses (B2B)Customers (B2C)

Payouts

Disburse salaries, refunds, and supplier payments accurately and at scale, with built-in account verification to ensure every cent reaches the right account.

  • Non-Disputable
  • Integration Ease (API Access)
Businesses (B2B)Customers (B2C)

EnDO

Stop losing revenue to failed debit orders. EnDO's Smart Retry Logic automatically recovers collections that standard EFT leaves behind, purpose-built for Namibia.

  • Recurring Payments
  • Tracking
  • Integration Ease (API Access)
Customers (B2C)

Instant EFT

Let customers pay directly from their bank account, instantly, securely, and without disputes. Same-day settlement, zero chargebacks.

  • Instant Payments
  • Non-Disputable
  • Integration Ease (API Access)
Customers (B2C)

Mobile Money

Reach unbanked and underbanked customers across Africa. Accept and disburse payments directly through mobile wallets on MTN, Vodacom, Airtel, and more.

  • Recurring Payments
  • Instant Payments
  • Integration Ease (API Access)
Businesses (B2B)Customers (B2C)

Nedbank Pay

Give Nedbank customers a fast, secure way to pay directly from their banking app. Instant confirmation, zero chargebacks, no card details required.

  • Instant Payments
  • Non-Disputable
  • Integration Ease (API Access)
Customers (B2C)

PayShap

South Africa's real-time interbank payment system. Send and receive money instantly, 24/7, using just a mobile number or ShapID.

  • Instant Payments
  • Non-Disputable
  • Integration Ease (API Access)
Businesses (B2B)Customers (B2C)

Real-Time Debit Orders

Faster recurring collections with real-time status visibility. Purpose-built for businesses operating in Lesotho, Botswana, and Eswatini.

  • Recurring Payments
  • Tracking
  • Integration Ease (API Access)
Customers (B2C)

RealPay TAP

Turn any NFC-enabled smartphone into a card terminal. Accept contactless payments in the field, on the floor, or on the go, no hardware required.

  • Recurring Payments
  • Instant Payments
  • Tracking
Businesses (B2B)Customers (B2C)

SUNMI P3 Smart Terminal

RealPay's flagship Android POS terminal, enterprise-grade hardware with a built-in printer, EMV certification, and all-in-one card acceptance for modern retail.

Businesses (B2B)Customers (B2C)