# Capitec Pay > Capitec clients approve the payment in their Capitec banking app using only their mobile number. Source: https://hub.ozow.com/payment-methods/money-in/pay-by-bank/capitec-pay/ Capitec Pay lets Capitec clients approve a payment directly in their Capitec banking app using only their mobile number. There are no internet banking details to enter on the payment page and no card details, so it's a faster, more convenient way for Capitec clients to pay you at checkout. Capitec 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** | A Capitec account, the Capitec banking app and their Capitec-registered mobile number | | **Customer enters** | Mobile number | | **How the customer approves** | Push notification in the Capitec banking app | | **Customer fees** | None | | **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 bank 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 **Capitec Pay**. 2. They enter their Capitec-registered mobile number and tap **Login**. 3. They get a push notification from Capitec. 4. They sign in to the Capitec app, for example with Face ID, and check the payment details. 5. They tap **Pay** to approve, or **Decline**. 6. The Capitec app confirms the payment, and Ozow shows a success screen. 7. Your customer taps **Return to merchant** to go back to your site. ![Capitec Pay customer journey](https://hub.ozow.com/assets/payment-methods/Capitec-Pay.png) ## Enabling Capitec Pay Capitec 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, Capitec Pay appears on the Ozow payment page. Capitec has its own onboarding and compliance requirements for businesses that offer Capitec Pay. Read them before you go live: [Bank API compliance](https://hub.ozow.com/integration-methods/apis/money-in/bank-api-compliance.md) ## Integrating Capitec Pay Capitec 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 Capitec 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). Capitec 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 a Capitec Pay payment. That's your decision, not something the customer can force through their bank. See [Refunds](https://hub.ozow.com/payment-methods/refunds.md). - **Settlement:** Capitec Pay payments are settled 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 push notification, they can still approve the payment: sign in to the Capitec banking app, tap **Transact**, then tap **Capitec Pay** and approve. **The mobile number must be registered with Capitec.** Capitec clients can register for Capitec ID using their mobile number. **Customers can report fraud.** The approval screen in the Capitec app includes a **Report as fraud** option. **Capitec Pay payments are irrevocable.** Once confirmed, the funds are yours. There's no chargeback process. ## FAQs **How does my customer use Capitec Pay?** They choose Capitec Pay at checkout and enter their Capitec-registered mobile number. They then get a push notification to approve the payment in their Capitec banking app. **What if my customer doesn't receive the notification?** They can sign in to the Capitec banking app, tap **Transact**, then tap **Capitec Pay** and approve the payment. **How do I enable Capitec Pay?** Contact [Ozow support](mailto:support@ozow.com) or your account manager. No additional integration is required. **Are there specific requirements for businesses offering Capitec Pay?** Yes. Capitec has onboarding and compliance requirements. See . **Does Capitec Pay cost my customers anything extra?** No. Any Capitec client can register for Capitec ID with their mobile number and start making cardless payments with Capitec Pay.