Money in, money out
The payment methods Ozow offers and how each one works.
On this page5 sections
This section covers what Ozow can do: every way a customer can pay you, and every way you can move money back out.
For how to build it, see Integrations.
One integration, every way to pay
Payment methods are enabled on your Ozow account, not in your code.
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. is enabled by default. Anything else you opt into is enabled by Ozow on your account, and then appears on the Ozow payment page automatically: no new integration, no new endpoint, nothing to ship.
The question this section answers isn't "what can I afford to build". It's "what do my customers want to pay with".
Money in
| Method | Your customer pays with | Good for |
|---|---|---|
| Pay by Bank | Their bank account, authorised with their bank | Everyone with internet banking. Enabled by default, and irrevocable once confirmed |
| Card | A Visa or Mastercard card | The roughly half of e-commerce spend that happens on card |
| Digital wallets | Apple Pay or Google Pay | Fast mobile checkout, with no card details to type |
| PayShap Request | A cellphone number or account number, approved in their banking app | Real-time payments with no credentials shared |
| Buy Now Pay Later | Instalments across two paycheques | Baskets a customer can't afford in one go |
| Voucher | A cash voucher bought at a retailer | Customers with no bank account or card |
| Crypto | A crypto wallet, paid out to you in randZAR The ISO 4217 code for the South African rand, and the currency every amount on this site is in unless a page says otherwise. Amounts are decimal rand rather than cents, so 100.00 is one hundred rand. |
Customers who already hold crypto |
Money out
| Method | What it does |
|---|---|
| Payout to bank | Send money to a South African bank account, from your own system or the Dashboard |
| Payout to voucher | Send money to a cellphone number as a voucher, for recipients without a bank account |
PayoutsPayout Money sent from a merchant to a bank account. Unlike a refund, a payout is not tied to a payment anyone made you, so you can pay anyone with a bank account. Payouts draw on your float rather than on your incoming payments, and they are not self-service: they need approval from Ozow and testing in staging first. need approval, staging testing and sign-off before they go live. There are no exceptions: see the payout pages for what's involved.
Also here
- Refunds: returning money for a payment a customer made you
- Recurring payments: charging a customer repeatedly on one authorisation
- Settlements and float: how money reaches your bank account, and how you fund money going out
Ready to build?
Once you know which methods you want, Integrations covers how to accept them: no-code, plugins and platforms, or building against the APIs.
The logos and button artwork for the methods you enable are in Brand assets.
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