Reach more customers with Card Payments - the top online payment method

Accept Visa, Mastercard, American Express and Diners cards from anywhere in the world with Netcash’s secure card payments. Receive payment in ZAR instantly, from eCommerce, invoices, subscriptions and more. No matter where you sell online, you can have peace of mind that transactions are safe, and fraud protected to the highest standard.

Start accepting payments online with ease

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How Card Payments work

With Netcash, you can accept payments from 3D Secured debit and credit cards issued by the most trusted providers in the world. 

  1. At checkout, customers select the card payment option as their preferred payment method.
  2. They enter their card details and proceed with the payment.
  3. The 3D Secure page will appear, and if the customer’s bank requires authentication for the transaction, the customer will be asked to do so. This is usually via a password, banking app approval message, or one-time PIN (OTP). If 3D Secure 2 is in place, no authentication will be required.
  4. The customer will then make payment, and once successfully processed will appear in your Netcash account. You will be instantly notified of successful payments via SMS and Email.

How Card Payments work

With Netcash, you can accept payments from 3D Secured debit and credit cards issued by the most trusted providers in the world. 

  1. At checkout, customers select the card payment option as their preferred payment method.
  2. They enter their card details and proceed with the payment.
  3. The 3D Secure page will appear, and if the customer’s bank requires authentication for the transaction, the customer will be asked to do so. This is usually via a password, banking app approval message, or one-time PIN (OTP). If 3D Secure 2 is in place, no authentication will be required.
  4. The customer will then make payment, and once successfully processed will appear in your Netcash account. You will be instantly notified of successful payments via SMS and Email.

Take your business online with Card Payments

Chat to us about your needs or apply for your account today.

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Benefits of using Card payments


Customers can use both debit and credit cards


Receive local and international card payments in ZAR


Cards can be tokenized for use in subscriptions and single click transactions


Cards attract a small, all-in-one transaction fee making it accessible to all businesses


3D Secure and PCI DSS compliant payment systems


High level of fraud prevention is built-in to reduce chargebacks and risk


Next day settlement into your Netcash account

Start selling online with ease

Chat to us about your needs or apply for your account today.

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FAQs

What is the transaction fee for Card Payments
Card Payments attract a small, all-in-one transaction fee with no additional minimums or setup costs. Netcash offers competitive rates tailored to your business size and transaction volume. The fee covers secure processing, instant payment verification, and next-day settlement — so you get enterprise-grade service at SME-friendly pricing.
What cards can I accept with Netcash?
You can accept Visa, Mastercard, American Express, and Diners Club debit and credit cards through the Netcash Payment Gateway. These cards can be used for eCommerce, invoicing, or subscription transactions. All payments are processed in South African Rands (ZAR) and verified through 3D Secure for maximum fraud protection.
Can I accept payments in foreign currency?
Yes — you can accept payments from international cardholders as long as their cards are 3D Secure enabled. However, all settlements are made in South African Rands (ZAR), as Netcash is a domestic payment provider and does not offer foreign exchange conversions. This ensures consistent reporting and compliance with local banking regulations.
How do I know if a payment has been successful?
You’ll receive instant SMS and email notifications as soon as a card payment is processed successfully. You can also log into your Netcash account to review real-time reports, batch statements, and reconciliation summaries. Every transaction is recorded for easy tracking and audit purposes, giving you full visibility of incoming payments.
Is it safe to accept Card Payments online?
Absolutely. Card Payments are one of the most secure online payment methods available globally. The Netcash Payment Gateway is PCI DSS Level 1 certified and 3D Secure compliant, encrypting every transaction to protect both you and your customers from fraud. Built-in fraud prevention tools and chargeback protection add an extra layer of safety for businesses of all sizes.
How do I start accepting card payments online with Netcash?
Getting started is quick and simple. Create a Netcash account, activate the Card Payments option, and integrate it with your website, online store, or invoicing software. Once approved, you can immediately accept Visa and Mastercard— all processed through a 3D Secure gateway.
Can I use Netcash Card Payments for recurring billing or subscriptions?
Yes. Netcash supports card tokenisation, allowing you to store customer payment details securely for recurring billing or subscription-based payments. This feature enables automatic debits, one-click renewals, and faster repeat transactions — ideal for service-based or membership-driven businesses.
How long does it take for card payment funds to reflect in my account?
Funds from successful card payments are settled into your Netcash account the next business day. This fast turnaround helps maintain healthy cash flow and eliminates the long waiting periods often associated with traditional payment processors. Instant transaction notifications and statements make reconciliation effortless.

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