# FNB/RMB Payment Request > FNB and RMB customers approve the payment in their banking app using their account number. Source: https://hub.ozow.com/payment-methods/money-in/pay-by-bank/fnb-rmb-payment-request/ FNB/RMB Payment Request lets customers who bank with FNB or RMB approve a payment directly in their banking app. It uses a direct connection between FNB and Ozow, so customers don't enter internet banking details on the payment page. It's a fast, secure payment option for FNB and RMB customers at checkout. FNB/RMB Payment Request 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. In the bank list, it appears as **FNB/RMB**. ## At a glance | | | |---|---| | **Enabled by default** | No. Contact [Ozow support](mailto:support@ozow.com) or your account manager to enable it | | **Customer needs** | An FNB or RMB account and the FNB or RMB banking app | | **Customer enters** | Account number | | **How the customer approves** | Payment Request notification in the FNB or RMB 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 FNB or RMB 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 **FNB/RMB**. 2. They enter their account number and tap **Login**. 3. They get a **Payment Request** notification from FNB or RMB. 4. They select the notification to sign in to their banking app. 5. On the **Just for you** page, they select **View request**. 6. They review the request and select **Pay now**. 7. They return to the Ozow page, which shows a success screen, and tap **Return to merchant** to go back to your site. ![FNB/RMB Payment Request customer journey](https://hub.ozow.com/assets/payment-methods/FNB-RMB-Payment-Request.png) ## Enabling FNB/RMB Payment Request FNB/RMB Payment Request 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, it appears on the Ozow payment page. ## Integrating FNB/RMB Payment Request FNB/RMB Payment Request 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 FNB/RMB Payment Request 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). FNB/RMB 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 FNB/RMB Payment Request 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:** FNB/RMB Payment Request 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 notification, they can still approve the payment: sign in to the FNB or RMB banking app, go to the **Just for you** page, select **View request**, then **Pay now**. **Your customer must return to the payment window.** After approving in their banking app, the customer goes back to the Ozow page to complete the payment. **FNB/RMB Payment Request payments are irrevocable.** Once confirmed, the funds are yours. There's no chargeback process. ## FAQs **What is FNB/RMB Payment Request?** A secure way for FNB and RMB customers to pay online. It uses a direct connection between FNB and Ozow, so customers don't need to share their internet banking details with third-party websites. **What's the difference between FNB and FNB/RMB Payment Request?** With standard Pay by Bank, customers sign in with their internet banking details. FNB/RMB Payment Request is an API-based approach from FNB and RMB: customers enter their account number and approve the payment in their banking app. **How does my customer use FNB/RMB Payment Request?** They choose FNB/RMB at checkout and enter their account number. They then get a notification from FNB or RMB, depending on who they bank with, to approve the payment in their banking app. **What if my customer doesn't receive the notification?** They can sign in to their FNB or RMB banking app, go to the **Just for you** page, select **View request**, then **Pay now**. **How do I enable FNB/RMB Payment Request?** Contact [Ozow support](mailto:support@ozow.com) or your account manager. No additional integration is required. **When are FNB/RMB Payment Request payments settled?** Once a day: 15:00 on weekdays and 08:00 on Saturdays. No settlement occurs on Sundays or public holidays. **How long do 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 FNB or RMB payment limits apply.