Feature
Instant Payments
Payments confirmed in seconds, not days, instant payment capability means your business can act on money the moment it moves.
Instant Payment capability means funds are transferred, confirmed, and available in real time, typically within seconds of the customer initiating the transaction. Unlike batch-processed payments that settle overnight or on a future business day, instant payments close the gap between a customer paying and your business receiving confirmation, enabling immediate action on both sides. This matters operationally. When payment is confirmed instantly, orders can be fulfilled immediately, access can be activated without delay, and your finance team has an accurate, real-time view of cash position. There is no need to reconcile manually, chase proof of payment, or hold orders pending clearance.
How it works
Instant payments are typically credit-push transactions, the customer authenticates and initiates the transfer through their own banking environment. The payment instruction is processed in real time through the relevant payment rail (Instant EFT network, PayShap, bank API, or mobile money operator), and confirmation is delivered to the merchant's system within seconds via webhook or API response.
Business value
- Eliminates proof-of-payment chasing and manual order holds
- Enables immediate product fulfilment, access activation, or service delivery upon payment
- Reduces fraud risk, payment is confirmed before goods leave or services activate
- Provides a real-time cash flow view without waiting for batch settlement
Included in
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)
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)
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)
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)
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)
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)
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)
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)
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
SaaS (RealPay TurnKey)
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)
Available as add-on in
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)
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)
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)