# Nedbank Direct EFT > Nedbank customers authorise the payment directly with Nedbank using their SA ID number. Source: https://hub.ozow.com/payment-methods/money-in/pay-by-bank/nedbank-direct-eft/ Nedbank Direct EFT lets customers who bank with Nedbank authorise a payment directly with Nedbank, using their SA ID number to identify themselves. It uses a direct connection between Nedbank and Ozow, so customers don't enter internet banking details on the payment page. It's a fast, secure payment option for Nedbank customers at checkout. Nedbank Direct EFT 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 Nedbank account and a South African ID number | | **Customer enters** | SA ID number | | **How the customer approves** | On a secure Nedbank screen, by selecting an account and tapping **Authorise** | | **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 Nedbank 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 **Nedbank Direct EFT**. 2. They enter their SA ID number and tap **Login**. 3. On the Nedbank screen, they confirm their SA ID number and tap **Next**. 4. They select the Nedbank account they want to pay from and tap **Authorise**, or **Decline**. 5. Ozow shows a success screen, and your customer taps **Return to merchant** to go back to your site. ![Nedbank Direct EFT customer journey](https://hub.ozow.com/assets/payment-methods/Nedbank-Direct-EFT.png) ## Enabling Nedbank Direct EFT Nedbank Direct EFT 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 Nedbank Direct EFT Nedbank Direct EFT 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 Nedbank Direct EFT 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). Nedbank 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 Nedbank Direct EFT 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:** Nedbank Direct EFT 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 **Your customer needs an SA ID number.** Nedbank Direct EFT uses the customer's South African ID number to identify them. The Nedbank screen includes an "I don't have an SA ID number" option. **Your customer chooses the account when they authorise.** They select which Nedbank account to pay from on the Nedbank screen, before tapping **Authorise**. **Nedbank Direct EFT payments are irrevocable.** Once confirmed, the funds are yours. There's no chargeback process. ## FAQs **What is Nedbank Direct EFT?** A secure way for Nedbank customers to pay online. It uses a direct connection between Nedbank and Ozow, so customers don't need to share their internet banking details with third-party websites. **What's the difference between Nedbank and Nedbank Direct EFT?** With standard Pay by Bank, customers sign in with their internet banking details. Nedbank Direct EFT is an API-based approach from Nedbank: customers enter their SA ID number and authorise the payment directly with Nedbank. **How does my customer use Nedbank Direct EFT?** They choose Nedbank Direct EFT at checkout and enter their SA ID number. Nedbank then asks them to confirm their ID number, choose an account and authorise the payment. **How do I enable Nedbank Direct EFT?** Contact [Ozow support](mailto:support@ozow.com) or your account manager. No additional integration is required. **When are Nedbank Direct EFT 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 Nedbank payment limits apply.