Integration

API Integration

Connect your systems directly to RealPay's payment infrastructure, one API, every product, fully automated.

RealPay's API Integration gives developers programmatic access to the full suite of payment products through a single, RESTful API layer. Instead of managing payments through a dashboard, businesses can embed collections, payouts, verification, and reporting directly into their own software, automating workflows, eliminating manual steps, and building payment-native product experiences. The API uses standard REST architecture with JSON, supported by comprehensive documentation, sandbox testing environments, and technical onboarding support. Once integrated, a business can submit DebiCheck mandates, process EFT collections, run AVS-R verification checks, manage payouts, and retrieve transaction data, all programmatically, without any dashboard dependency.

Capabilities

  • Submit and track DebiCheck, EFT, EnDO, Payouts, and AVS-R requests programmatically
  • Manage customer mandates, create, update, cancel, and query status
  • Receive real-time transaction status updates via webhooks
  • Pull full transaction history and reconciliation data into your own systems
  • Automate Smart Retry Logic and failure handling within your own workflow
  • Access sandbox environments for development and QA before going live

Who it’s for

  • Fintech companies and payment platforms building on top of RealPay's infrastructure
  • Insurance, lending, and subscription businesses running automated recurring billing programmes
  • SaaS businesses that want to offer payments as a native feature of their product
  • Operations-heavy businesses that want to eliminate manual payment management at scale

Products using this integration

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)

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)

Registered Mandate (RM)

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)

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)