PayShap Request

PayShap RequestPayShap Request The request side of PayShap. Rather than the payer pushing money, the payee asks for it: the payer receives a request and approves it in their own banking app, and the funds move once they do. Enabled by Ozow on request rather than by default.payshap.co.za is built on PayShapPayShap South Africa's rapid payments service, run by the banks. Low-value payments clear in seconds, and the recipient can be identified by a ShapID instead of by an account number.payshap.co.za, South Africa's real-time bank-to-bank payment rail. Your customer pays using just their mobile number or bank account number, and approves the payment request directly in their banking app. Because it's a real-time payment, you get payment confirmation faster and can fulfil orders sooner.

You can offer it as an accelerated payment option at checkout, alongside Pay by Bank.

At a glance#

How your customer pays#

1. Your customer selects PayShap Request at checkout.
2. They select their bank.
3. They enter their mobile number or bank account number and tap Make Payment.
4. They open their banking app and accept the payment request.
5. They return to the Ozow page, which shows a success screen, and tap Return to merchant to go back to your site.

Example: a PayShap Request payment from an FNB customer. The steps on the Ozow page are the same for every PayShap bank.

How each bank works#

PayShap Request is available to customers of participating South African banks, including:

• Absa
• African Bank
• Discovery Bank
• FNB
• GoTyme Bank
• Investec
• Nedbank
• Standard Bank

Participating banks may change as new integrations and payment capabilities are added.

Capitec isn't available through PayShap Request. Capitec customers can pay with Capitec Pay under Pay by Bank.

Banks that also appear under Pay by Bank#

GoTyme Bank, Discovery Bank and African Bank also appear in the Pay by Bank bank list. Payments from these banks go through PayShap, so the PayShap details on this page apply to them.

When to use PayShap Request#

PayShap Request suits you if:

• You want real-time payment confirmation so you can fulfil orders faster.
• Your customers prefer to pay with just a mobile number or account number.
• You want to reach customers of GoTyme Bank, Discovery Bank and African Bank.

Consider offering it alongside other methods if:

• Many of your customers bank with Capitec. See Capitec Pay.
• You want customers to have every bank option. See Pay by Bank.

Enabling PayShap Request#

PayShap Request is opt in. If it isn't showing on your payment page, contact Ozow support or your account manager to enable it. It works with your existing Ozow integration, but commercial or feature enablement may be required for your business.

Integrating PayShap Request#

PayShap Request works with your existing Ozow integration. Once it's enabled, it appears on the Ozow payment page as a payment method.

• Hosted Checkout: send your customer to the Ozow payment page using an API-based integration.
• Embedded Checkout: show the Ozow payment page inside your site, as an iframe or a modal.
• No code payment requests
• Plugins and platforms

Standalone button. A standalone PayShap Request button isn't available by default. If you want one, contact Ozow support or your account manager to discuss your options. PayShap icons are in Brand assets.

Confirming payment. Ozow confirms the outcome to your business through your integration. Only fulfil an order once you've received a confirmed successful status. 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 PayShap payment. That's your decision, not something the customer can force through their bank. See Refunds.
• Settlement: PayShap Request payments typically settle the next day, like Pay by Bank. See Settlements.
• Ozow Portal: transactions and statuses update in real time on the Ozow Portal.

Things to know#

The payment is real time, but settlement isn't. Your customer's payment and the confirmation to you happen in real time. The funds settle to you typically the next day.

Your customer's bank may charge a fee. A bank fee of R3.50 may apply. It's charged by the customer's bank, not by Ozow.

Limits are set by the bank. Transaction limits depend on the customer's bank and its PayShap limits. Ozow applies these during the payment journey.

Your customer must return to the payment window. After accepting the request in their banking app, the customer comes back to the Ozow page to complete the payment.

FAQs#

What is PayShap Request? A real-time payment option that lets customers approve a payment request directly in their banking app, with Ozow confirming the outcome to your business.

How is PayShap Request different from Pay by Bank? It works much like the Pay by Bank bank app methods, with approval in the customer's banking app. The difference is that it's a real-time payment, so you receive payment confirmation and can fulfil orders faster.

What does my customer need to use PayShap Request? An account with a participating bank. They can pay using either their mobile number or bank account number.

Does my customer pay a fee? A bank fee of R3.50 may apply. It's charged by the customer's bank, not by Ozow.

What are the transaction limits? They're set by the customer's bank and its PayShap limits. Ozow applies these during the payment journey.

Will this require additional integration? No. PayShap Request works with your existing Ozow integration, but commercial or feature enablement may be required. Contact Ozow support or your account manager.

Can I show my own PayShap Request button? Not by default. Contact Ozow support or your account manager to discuss your options.

Can Capitec customers use PayShap Request? No. Capitec customers can pay with Capitec Pay under Pay by Bank.

When are PayShap Request payments settled? Typically the next day, like Pay by Bank.