# Absa Pay > Absa customers approve the payment in their Absa banking app using only their account number. Source: https://hub.ozow.com/payment-methods/money-in/pay-by-bank/absa-pay/ Absa Pay lets Absa customers pay directly from their Absa banking app using only their bank account number. It uses a direct connection between Absa and Ozow, so customers don't enter internet banking details on the payment page. It's a faster, simpler way for Absa customers to complete their purchase at checkout. Absa Pay is one of the [bank app methods](https://hub.ozow.com/payment-methods/money-in/pay-by-bank.md#bank-app-methods) under Pay by Bank. ## At a glance | | | |---|---| | **Enabled by default** | No. Contact [Ozow support](mailto:support@ozow.com) or your account manager to enable it | | **Customer needs** | An Absa account and the Absa banking app | | **Customer enters** | Absa account number | | **How the customer approves** | Verification request in the Absa banking app | | **Reversibility** | Irrevocable once confirmed. No chargebacks | | **Refunds** | Yes, initiated by you. See [Refunds](https://hub.ozow.com/payment-methods/refunds.md) | | **Transaction limits** | Your customer's own Absa payment limits apply. Ozow sets no limit of its own | | **Settlement** | Once a day: 15:00 on weekdays and 08:00 on Saturdays. No settlement on Sundays or public holidays | | **Identity verification** | Mandatory for high-risk industries. See [Identity Verification](https://hub.ozow.com/integration-methods/apis/money-in/identity-verification.md) | ## How your customer pays 1. Your customer selects **Pay by Bank** at checkout, then **Absa Pay**. 2. They enter their Absa account number and tap **Login**. 3. Absa sends a verification request to their phone. 4. They sign in to the Absa banking app with their passcode and tap **Accept**, or **Reject**. 5. Back on the Ozow page, they select the Absa account they want to pay from and tap **Pay**. 6. Ozow shows a success screen, and your customer taps **Return to merchant** to go back to your site. ![ABSA Pay customer journey](https://hub.ozow.com/assets/payment-methods/Absa-Pay.png) ## Enabling Absa Pay Absa Pay is opt in. If it isn't showing on your payment page, contact [Ozow support](mailto:support@ozow.com) or your account manager to enable it. No additional integration is required: once it's enabled, Absa Pay appears on the Ozow payment page. ## Integrating Absa Pay Absa Pay works with every integration that supports Pay by Bank. See [Integrating Pay by Bank](https://hub.ozow.com/payment-methods/money-in/pay-by-bank.md#enabling-pay-by-bank). **Standalone bank buttons.** To show your own ABSA Pay button and send customers straight to it, skipping the bank list, pass its `institutionId`. See [Payment Method IDs](https://hub.ozow.com/integration-methods/apis/money-in/payment-method-ids.md) and [Standalone payment buttons](https://hub.ozow.com/integration-methods/apis/money-in.md#standalone-payment-buttons). ABSA icons are in [Brand assets](https://hub.ozow.com/payment-methods/brand-assets.md). **Confirming payment.** Only fulfil an order once you've received a confirmed successful status from Ozow. See [Statuses](https://hub.ozow.com/integration-methods/statuses.md). ## Testing We recommend testing with small live payments in production. Production payments settle back to you as normal, so it's safe to test this way. If you need staging credentials, contact [Ozow support](mailto:support@ozow.com) or your account manager. ## Refunds, settlement and reconciliation - **Refunds:** you can refund an Absa Pay payment. That's your decision, not something the customer can force through their bank. Absa temporarily provides the customer's account number to Ozow for refund purposes only. See [Refunds](https://hub.ozow.com/payment-methods/refunds.md). - **Settlement:** Absa Pay payments aren't settled in real time. Ozow collects the funds on your behalf and settles once a day: 15:00 on weekdays and 08:00 on Saturdays. No settlement occurs on Sundays or public holidays. See [Settlements](https://hub.ozow.com/payment-methods/settlements-and-float/settlements.md). - **Ozow Portal:** transactions and statuses update in real time on the Ozow Portal. ## Things to know **Missed notifications.** If your customer doesn't get the verification request, they can still approve the payment: sign in to the Absa banking app, open the menu, select **Authorisations** and approve the transaction. **Your customer chooses the account after approving.** Once they've approved in the Absa app, they come back to the Ozow page to choose which Absa account to pay from. Remind customers to return to the payment window to finish the payment. **Absa Pay payments are irrevocable.** Once confirmed, the funds are yours. There's no chargeback process. Customers with queries about a purchase should contact you directly. ## FAQs **What is Absa Pay?** A secure way for Absa customers to pay online. It uses a direct connection between Absa and Ozow, so customers don't need to share their internet banking details with third-party websites. **What's the difference between Absa and Absa Pay?** With standard Pay by Bank, customers sign in with their internet banking details. Absa Pay is Absa's open banking solution: customers use their account number to identify themselves and their banking app to approve the payment. **How does my customer use Absa Pay?** They choose Absa Pay at checkout and enter their Absa account number. They then get a notification from Absa to approve the payment in their Absa banking app. **What if my customer doesn't receive the notification?** They can sign in to the Absa banking app, open the menu, select **Authorisations** and approve the transaction. **How do I enable Absa Pay?** Contact [Ozow support](mailto:support@ozow.com) or your account manager. No additional integration is required. **Is Absa Pay settled in real time?** No. Ozow collects the funds on your behalf and settles once a day: 15:00 on weekdays and 08:00 on Saturdays. No settlement occurs on Sundays or public holidays. **How long do Absa Pay transactions take to show on the Ozow Portal?** Transactions and statuses update in real time, the same as standard Pay by Bank. **Is there a limit on how much a customer can pay?** Your customer's own Absa payment limits apply.