Privacy Policy

How RealPay collects, uses, and protects your personal information.

Last updated 1 March 2025

RealPay (Pty) Ltd ("RealPay", "we", "us") is committed to protecting your privacy and ensuring that your personal information is handled responsibly and securely.

This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our payment services, website, or interact with us.

RealPay operates across several African markets, including South Africa, Namibia, Botswana, Eswatini, Lesotho, Uganda, and Zambia, and we apply strong privacy and data protection principles across all jurisdictions in which we operate.

1. Information Officer

RealPay has appointed an Information Officer responsible for ensuring compliance with applicable data protection legislation, including the Protection of Personal Information Act (POPIA).

For privacy or data protection enquiries:

Email: info@realpay.co.za
Address: [Registered address]

1. Personal Information We Collect

We may collect the following categories of personal information:

Identity and contact details: Such as your name, Identity number/Passport number, physical address, email address, and your phone number.
Business and verification Information: All information required for onboarding merchants and meeting regulatory obligations, such as business registration documents, proof of address, bank account details, etc.
Transaction data: relating to payments processed through our platform.
Technical data: such as IP address, device information, cookies, and usage data
Communications: Records of correspondence, support interactions, and any other correspondence.

We collect only the information necessary to provide our services and meet regulatory obligations.

1. Legal Basis for Processing

Where required by applicable law, RealPay processes personal information based on:

Contract performance: To provide our payment services and fulfil our agreement with you.
Legal obligation: To comply with applicable financial services, anti-money laundering, tax, and other laws in the jurisdictions in which we operate.
Legitimate interests: Fraud prevention, security, and improving our services.
Consent: Where we have obtained your explicit consent for specific processing

1. How We Use Your Information

We use your personal information too:

Onboard and verify merchants.
Process payments and managing transactions.
Preventing fraud and maintaining platform security
Comply with regulatory and legal obligations.
Communicate with you about our services.
Improve our products, services, and customer experience.

1. Sharing of Personal Information

We may share personal information with:

Bank partners and payment networks, involved in transaction processing.
Regulators and law enforcement where required by law.
Service providers and technology partners, who process data on our behalf under written agreements.
Professional advisers, including lawyers and auditors, where necessary
All third parties who process personal information on our behalf are required to maintain appropriate confidentiality and security safeguards.

1. Cross-Border Data Flows

Because RealPay operates across multiple African markets, personal information may be exchanged between jurisdictions where necessary to support our services.

Where personal information is disclosed across borders, we ensure appropriate safety measures are implemented in accordance with applicable data protection laws.

1. Data Retention

Personal information is retained only for as long as necessary to fulfil the purposes for which it was collected, or as required by applicable laws and regulatory obligations.

Certain records may be retained for statutory periods, including financial and anti-money laundering record-keeping requirements.

1. Your Privacy Rights:

Depending on applicable law, individuals may have the right to:

Access, request a copy of the personal information we hold about you.
Correction, request correction of inaccurate or incomplete information
Objection, object to certain types of processing
Deletion, request deletion where legally permissible
Complain, lodging a complaint with the relevant data protection authority.

Requests relating to personal information can be directed to our Information Officer at info@realpay.co.za .

1. Security

We implement appropriate technical and organizational measures to protect personal information against unauthorized access, loss, or misuse, or disclosure. These safeguards include secure systems, access controls, monitoring, and internal governance processes designed to maintain the confidentiality and integrity of personal data.

1. Data Breaches

In the unlikely event of a data breach that poses a risk to individuals’ rights, RealPay will respond in accordance with applicable law and notify affected parties and regulators where required.

1. Changes to This Policy

RealPay may update this Privacy Policy from time to time to reflect changes in our services, regulatory requirements, or operational practices.

The most recent version of this policy will always be available on our website.

1. Contact

For privacy enquiries or to exercise your rights:

Information Officer

RealPay (Pty) Ltd

info@realpay.co.za

[Summit Place Business Park, Building 3, Ground Floor, 221 Garsfontein Road, Manly, Gauteng, Pretoria 0181]