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Absa Pay

Absa customers approve the payment in their Absa banking app using only their account number.

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  • money-in
  • pay-by-bank
  • absa-pay
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Absa PayAbsa Pay Absa's own payment method, which the customer authorises in their Absa banking app. It gets its own button at checkout rather than sitting inside the bank list, and it requires Customer Identity Verification.Absa 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 under Pay by BankPay by Bank The payer authorises the payment inside their own banking app or online banking, and the funds move from their bank account. No card is involved and no card details are entered..

At a glance
Enabled by default No. Contact Ozow support 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
Transaction limits Your customer's own Absa payment limits apply. Ozow sets no limit of its own
SettlementSettlement Ozow paying the money you have collected into your bank account. Payins arrive at Ozow first and are settled to you on a schedule, so what a customer paid you today and what has been settled to you today are different amounts. Once a day: 15:00 on weekdays and 08:00 on Saturdays. No settlement on Sundays or public holidays
Identity verificationCustomer Identity Verification Checking that the payment instrument belongs to the natural person making the payment. Ozow requires it for merchants it has classified as high-risk, on Pay by Bank, Absa Pay, Capitec Pay, Nedbank Direct EFT, FNB Payment Requests and PayShap Request, and can disable those methods where it is not implemented correctly. Mandatory for high-risk industries. See Identity Verification

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

Enabling Absa Pay

Absa Pay is opt in. If it isn't showing on your payment page, contact Ozow support 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.

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 and Standalone payment buttons. ABSA icons are in Brand assets.

Confirming payment. Only fulfil an order once you've received a confirmed successful status from Ozow. See Statuses.

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 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.
  • 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.
  • 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 chargebackChargeback A completed card payment reversed by the customer's bank after a successful dispute. The funds come back out, and the process runs between the banks rather than through Ozow, so it is not something you can approve or refuse. Your transaction records and delivery confirmations are what it is decided on. 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 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.

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