# PayShap request

> Real-time low-value payments using a ShapID or bank account number.

Source: https://hub.ozow.com/payment-products/payin/payshap-request/

PayShap Request lets you request a payment and have your customer approve it instantly in their own
banking app.

Your customer identifies themselves with a cellphone number or a bank account number. They don't
enter card details, they don't download anything, and they never share banking credentials with you
or with Ozow; the approval happens inside their bank's own app.

## How your customer pays

1. Your customer chooses Pay by Bank at checkout and selects PayShap.
2. They provide their cellphone number or bank account number.
3. A payment request appears in their banking app.
4. They approve it there.
5. The customer returns to your site.

If you've requested a standalone PayShap button, your customer reaches step 2 directly instead.

## Enabling PayShap Request

Speak to your account manager to have PayShap Request enabled on your account.

Once enabled, it appears on the Ozow payment page automatically. No separate integration is needed;
it works through the Ozow integration you already have.

> ⚠️ If you operate in a high-risk industry, **Customer Identity Verification** is mandatory for
> PayShap Request. It changes what you build, so read [Customer Identity
> Verification](https://hub.ozow.com/integration-methods/apis/payin/identity-verification.md) before you
> start rather than after.

## Things to know

**Your customer needs their phone.** The approval happens in their banking app, so they need the
device that app is on. Consider this for desktop checkouts, particularly if your customers typically
buy from a work computer.

**Not every bank participates.** PayShap coverage has grown steadily but it isn't universal. A
customer whose bank isn't on the network can't pay you this way, so keep your other payment methods
available.

**PayShap sits inside your Pay by Bank flow by default.** Your customer selects Pay by Bank and
then chooses PayShap from there: by default it isn't a separate option on the payment method
screen unless you ask for one. If you're promoting PayShap to your customers, that's worth
knowing: they won't see it named until they're a step into the flow.

**Refunds go back to the customer's bank account.** PayShap Request payments can be refunded.
See [Refunds](https://hub.ozow.com/payment-products/refunds.md).

## Integrating PayShap Request

PayShap Request works with every Ozow integration method, and nothing PayShap-specific is required;
once it's enabled on your account, it appears on the Ozow payment page automatically.

- [Redirect to Ozow](https://hub.ozow.com/integration-methods/apis/payin/redirect-to-ozow.md)
- [Embedded iframe](https://hub.ozow.com/integration-methods/apis/payin/embedded-iframe.md)
- [Embedded modal](https://hub.ozow.com/integration-methods/apis/payin/embedded-modal.md)
- [No code payment requests](https://hub.ozow.com/integration-methods/no-code/payment-requests.md)
- [Plugins and platforms](https://hub.ozow.com/integration-methods/plugins-and-platforms.md)

**Standalone PayShap button.** Available on request. By default PayShap appears inside the Pay by
Bank flow rather than as its own option, so if you want a "Pay with PayShap" button that goes
straight there, ask your account manager to enable it, then pass PayShap Request's
`institutionId`.

There's a single `institutionId` for PayShap as a whole. There are no bank-specific PayShap
identifiers, so you can't send a customer straight to PayShap at a particular bank: your customer
chooses their bank inside the PayShap flow.

See [Standalone payment buttons](https://hub.ozow.com/integration-methods/apis/payin.md#standalone-payment-buttons).

**PayShap icons** for your checkout buttons are in [Brand assets](https://hub.ozow.com/payment-products/brand-assets.md).