Ozow Payouts offers customers an easy way to request and withdraw funds from merchants in minutes. It's made possible by our easy to integrate API.

Payouts as simple as that...

Ozow Payouts allows customers to request withdrawals from merchants. Thanks to Real-Time Clearing (RTC), those withdrawals clear in minutes. At the same time, payouts automation removes the manual payout process and associated staff and admin costs, allowing merchants to payout to unlimited recipients 24 hours a day, seven days a week, with one click of a button. All of this comes in a single, easy to integrate API.

Payouts automation eliminates the cumbersome and time consuming manual payout process, helping to reduce staff costs while increasing business efficiencies and customer satisfaction.

  • Automated notifications are sent to the merchant as soon as an outcome is received from the bank
  • Our API allows merchants to tailor the payout experience to their customers
  • Merchants can utilise funds in their float for either Payout or Refunds
  • Funds reflect in customer accounts within minutes of the request

Payout process

Account verification

We provide CDV checks, a preliminary check on account validity. The combination of six-digit bank branch number and the bank account number are validated to ensure that they satisfy the check digit rules that each bank has. This does not check if the account itself is valid or active.



ID verification is part of the process to authenticate your business is legitimate.

Payouts and reflection

We offer RTC (real-time clearing) and Standard transfers. RTC is available from 00:01-18:00 on weekdays, and 00:01-13:30 on Saturdays. All transactions outside of these times will be processed the next business day.

RTC is limited to R5 million per payout on weekdays, and R250 000 on weekends. It can take up to 24 hours for merchants to receive confirmation of payout, even though the funds may have already reached the customer.


Merchants must test the required scenarios using the Mock API and Actual API in staging. With Actual APIs in staging, merchants can only test Non-RTC payouts. These must be submitted before 4pm (CAT) so that they can be batch processed and completed at 9am the next day.

Integration process

For more information on linking Payouts to your Ozow process, run through the integration documents provided in here.

Payouts intergation


Have questions?

To view frequently asked questions, visit Payouts Frequently Asked Questions (FAQs).

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