Ozow
Instant EFT straight from South African bank apps.
Africa · ZAR
P2P payment processing in South Africa
Instant EFT is the default way South Africans pay online. We collect via Ozow and EFT and pay out to local bank accounts.
Local payment methods
Payment methods in South Africa
The local methods customers in South Africa use every day. The exact set for your project is confirmed at onboarding.
PayShap
South Africa's instant payments by phone number.
SnapScan
Popular QR payments app in South Africa.
EFT
Standard bank EFT across South Africa.
Instant EFT and PayShap
South Africans pay online from their bank: Instant EFT services such as Ozow let customers approve a payment in their own banking app without cards, and PayShap, launched in 2023, adds instant payments to a phone-number ShapID. SnapScan brings QR payments to shops and online checkouts.
Payouts in ZAR
Payouts are sent in ZAR to South African bank accounts by EFT or instantly through PayShap where the bank supports it.
How it works
How processing works in South Africa
Pay-in pageCustomer pays with Ozow
Smart routingRouted across the network
Local accountsVerified accounts receive
ConfirmationOrder clears in seconds
USDT settlementYour balance in USDT
Built for high-risk
Local methods instead of card networks — processing that keeps working where classic acquiring fails.
Payin & payout
Collect deposits and send withdrawals on the same rails, with smart routing for high approval rates.
One USDT balance
Every country, one settlement currency. Simple, borderless accounting with fast payouts.
Real people, 24/7
A dedicated contact and personal onboarding in your language — not a ticket queue.
FAQ
Payments in South Africa: FAQ
A bank payment approved in the customer's own banking app, confirmed to the merchant immediately.
South Africa's instant payment service that lets customers pay to a phone-number ShapID.
Payin in South Africa is available via Ozow, PayShap, SnapScan and EFT. The exact set of methods for your project is confirmed at onboarding.
Payouts are sent via EFT and PayShap in local currency (ZAR). You fund and receive your balance in USDT.
Customers in South Africa pay in ZAR, while your balance is settled in USDT — the same settlement currency in every country we cover.
Leave an application on the site or in our Telegram bot with your vertical, monthly volume and the methods you need. A real person replies, usually within the hour.
More countries in Africa
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Start processing in South Africa
Tell us your vertical, monthly volume and the methods you need — a real person replies, usually within the hour.