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Capitec Pay

Capitec clients approve the payment in their Capitec banking app using only their mobile number.

  • products
  • money-in
  • pay-by-bank
  • capitec-pay
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Capitec PayCapitec Pay Capitec's own payment method. The payer gives a cellphone, account or ID number rather than card details, and approves the payment in the Capitec app, so no card number and no banking login is ever entered at checkout. It gets its own button rather than sitting inside the bank list, and it requires Customer Identity Verification.Capitec 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 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 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
Transaction limits Your customer's own bank 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 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

Enabling Capitec Pay

Capitec 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, 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

Integrating Capitec Pay

Capitec Pay works with every integration that supports Pay by Bank. See Integrating 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 and Standalone payment buttons. Capitec 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 a Capitec Pay payment. That's your decision, not something the customer can force through their bank. See Refunds.
  • 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.
  • 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 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.

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 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.

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