Feature

Integration Ease (API Access)

Connect once, build anything, RealPay's RESTful API gives developers direct access to the full payments infrastructure across every product in the suite.

Integration Ease (API Access) refers to the availability of well-documented, developer-friendly REST APIs that expose RealPay's full payment product suite to external systems, platforms, and applications. Rather than requiring businesses to operate exclusively through the RealPay dashboard, API access allows businesses to embed payment functionality directly into their own software, creating automated, seamless payment workflows that operate without manual intervention. RealPay provides sandbox environments for testing, comprehensive API documentation, and technical support during integration, reducing the time from decision to live production.

How it works

RealPay's API uses RESTful architecture with JSON request and response formats. Businesses authenticate using secure API keys, submit payment requests programmatically, and receive results via synchronous response or webhook notification. All major payment operations, submission, status query, mandate management, and reporting, are available as API endpoints.

Business value

  • Eliminates manual payment operations by automating submissions, retries, and reporting within existing workflows
  • Enables product teams to build payment-native experiences without depending on a separate payment dashboard
  • Reduces integration time with well-documented endpoints and developer support
  • Supports high-volume automated processing that would be impractical to manage through a UI

Products with this feature

Absa Pay

Included

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

Included

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

Included

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

Included

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

Included

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)
  • Point of Sale Devices & Multiple Device Options
Customers (B2C)

DebiCheck

Included

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

Included

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

Included

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)

EnDO

Included

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

Included

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

Included

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

Included

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)

Payouts

Included

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)

PayShap

Included

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

Included

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)

Registered Mandate (RM)

Included

The compliant recurring collections solution for business accounts and dual-signatory mandates. Where DebiCheck cannot reach, Registered Mandate takes over.

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

SaaS (RealPay TurnKey)

Included

RealPay's all-in-one payments platform, collections, payouts, and verification in a single dashboard. Go live in days, not months.

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

RealPay TAP

Add-on

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)