Product
Capitec Pay
Give Capitec Bank customers a fast, trusted payment experience. Instant, non-reversible, and authenticated through their own banking app.
Capitec Pay is a real-time, bank-authenticated payment method that allows Capitec Bank customers to pay your business instantly from within their Capitec app. When a customer selects Capitec Pay at checkout, they are redirected to their banking environment, where they authenticate and confirm the payment using their existing Capitec credentials. Confirmation arrives at your business in seconds.
As a credit-push payment, Capitec Pay carries high payment finality, the transaction is initiated and authorised by the customer through Capitec's own secure systems. There are no chargebacks, no disputes, and no card fraud risk for the merchant. The payment is authenticated at the source, confirmed in real time, and settled directly.
With Capitec Bank having grown into one of South Africa's largest retail banks, with a particularly strong presence among younger, digitally active consumers, offering Capitec Pay is a practical conversion strategy for any business that serves that customer segment.
What's included
Authenticated In-App Payments
Customers complete the payment inside their Capitec banking app using their own credentials, PINs, biometrics, or OTP. No card details are entered on the merchant's site.
Instant Payment Finality
As a customer-initiated credit-push, Capitec Pay is final upon confirmation. No chargebacks, no reversals, no dispute management, your revenue is secured immediately.
Reaches South Africa's Fastest-Growing Bank
Capitec's rapid user growth means a growing share of South African consumers are Capitec customers. Capitec Pay ensures your checkout converts that audience efficiently.
Frictionless Redirect Experience
Payment amount and reference are passed seamlessly to the Capitec app. The customer confirms and returns to your checkout, no manual data entry, no complexity.
No Card Details Required
The entire payment process happens within Capitec's environment. The merchant is never exposed to the customer's banking credentials or card information.
Who it’s for
Capitec Pay is most valuable for businesses serving large numbers of Capitec Bank customers, including:
- E-commerce retailers and online marketplaces with a broad South African consumer base
- Digital service platforms and subscription businesses looking to convert Capitec users
- Businesses in financial services, insurance, and retail with mass-market consumer audiences
- For anyone who needs secure payment solutions
Frequently asked questions
How is Capitec Pay different from a standard card payment?
With a card payment, the customer enters sensitive card details on an external site. Capitec Pay redirects the customer to their own banking app to authenticate, the merchant never handles or sees any card or banking credentials.
Is a Capitec Pay transaction reversible?
No. Capitec Pay is a credit-push payment authenticated by the customer through Capitec Bank. Once confirmed, the payment is final and cannot be reversed.
Does the merchant need to bank with Capitec to accept Capitec Pay?
No. The merchant can bank with any financial institution. Only the paying customer needs to be a Capitec Bank account holder.
Is Capitec Pay available for both mobile and desktop checkouts?
Yes. The redirect flow works on both mobile and desktop. On mobile, it opens the Capitec app directly. On desktop, a QR code or link is used to trigger the app-based authentication.
How does Capitec Pay protect the merchant from fraud?
Because the payment is authenticated by Capitec Bank using the customer's own security protocols, fraud risk is borne by the bank's authentication system, not the merchant. There is no card-not-present fraud exposure.
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Included features