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Voucher

Your customer pays with a 1Voucher bought for cash at a retailer, with no bank account or card needed.

  • payment-methods
  • money-in
  • voucher
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Voucher lets your customers pay with a cash voucher instead of a bank account or a card. They buy a 1Voucher for cash at a retailer, then enter the voucher code at your checkout. No bank account, no card and no app needed.

Many South Africans are unbanked, and many more have bank accounts they don't use online. If cash is how your customer holds money, a voucher is how they can spend it on your site. It's the only Ozow payment method that doesn't need a bank account, card or wallet.

Ozow's voucher payments are provided by Flash, Ozow's voucher partner.

At a glance
Enabled by default No. Contact Ozow support or your account manager to enable it
Provider Flash, Ozow's voucher partner
Customer needs A 1Voucher bought for cash at a retailer
Customer enters Voucher code
Supported vouchers 1Voucher
Reversibility Irrevocable once confirmed, like 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.. No chargebacks
Refunds Yes, through the standard Ozow refund process. See Refunds
Transaction limits None from Ozow. Flash may apply its own limits
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. Typically the next day, like Pay by Bank, but it can take up to 3 days

How your customer pays

  1. Your customer buys a 1Voucher for cash at a retailer.
  2. At your checkout, they select Voucher.
  3. They enter the voucher code.
  4. Ozow confirms the payment, and your customer returns to your site.

When to use Voucher

Voucher suits you if:

  • You want to sell to customers who are unbanked or don't use their bank account online.
  • Many of your customers prefer to pay inPayin A payment made by a consumer to a merchant. The direction most of this site is about: money coming in. Its counterpart is a payout, which sends money out and is not tied to any payment anyone made you. cash.

Offer it alongside your other payment methods. A customer paying by voucher often has no other way to pay on your site, so it reaches people you'd otherwise miss.

Enabling Voucher

Voucher is opt in. Contact Ozow support or your account manager to enable it. Once it's enabled, Voucher appears on the Ozow payment page automatically. No separate integration is needed.

Integrating Voucher

Voucher works with every Ozow integration method, and nothing voucher-specific is required.

WooCommerce and Magento have dedicated voucher redemption plugins if you'd rather show Voucher as its own option in your store's checkout.

Standalone bank buttons. To send customers straight to Voucher and skip the payment method selection screen, contact Ozow support for the Voucher institutionId. See Payment Method IDs and Standalone payment buttons.

Voucher icons for your checkout buttons 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: Voucher payments can be refunded through the standard Ozow refund process. See Refunds.
  • Settlement: typically the next day, like Pay by Bank, but it can take up to 3 days. See Settlements.

Things to know

It reaches customers no other method does. Someone paying by voucher often has no alternative on your site. Enabling it isn't about giving existing customers another option. It's about selling to people you otherwise can't.

Voucher payments are irrevocable. Once confirmed, the funds are yours, like Pay by Bank. 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. You can still choose to issue a refund.

A voucher is a bearer instrument. Whoever holds the code can spend it, and once it's redeemed, it's gone. Treat a voucher code like cash: don't log it, don't email it, and never ask a customer to send you one.

Voucher value and basket value have to work together. A customer's voucher is worth whatever they paid for it, which may not match your total.

FAQs

What is Voucher? A way for customers to pay with a 1Voucher bought for cash at a retailer, instead of a bank account or card.

Which vouchers are accepted? 1Voucher.

Does my customer need a bank account? No. They need a 1Voucher bought for cash at a retailer.

How do I enable Voucher? Contact Ozow support or your account manager. No separate integration is needed.

Can a customer reverse a voucher payment? No. Confirmed voucher payments are irrevocable, but you can choose to issue a refund.

Are refunds supported? Yes, through the standard Ozow refund process.

Are there transaction limits? Ozow sets no limits for voucher payments. Flash may apply its own.

When are voucher payments settled? Typically the next day, like Pay by Bank, but it can take up to 3 days.

Should I ever ask a customer for their voucher code? No. A voucher code works like cash. Whoever holds it can spend it, so customers should only ever enter it on the Ozow payment page.

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