Accept card-free, hassle-free payments with Capitec Pay.

Capitec Pay is a South African first in open banking. It allows customers who bank with Capitec to make instant, secure online payments straight from their Capitec account using their smartphones. Accept card-free payments from millions of South Africans today with Netcash and Capitec Pay.

Start selling online with ease

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

Chat to us

How Capitec Pay works

Capitec Pay is available as an Instant EFT option on the Netcash Payment Gateway. It is automatically activated when you choose to accept Instant EFT via Ozow on your account, boosting your sales with a faster checkout and payment experience.

  1. At checkout, customers select Capitec Pay as their payment option.
  2. They enter their cellphone number and ID number to access their profile securely.
  3. Via the Capitec app, they tap Transact > Capitec Pay and approve their payment.
  4. Once payment is successfully processed, it will appear in your Netcash account. You will be instantly notified of successful payments via SMS and Email.

How Capitec Pay works

Capitec Pay is available as an Instant EFT option on the Netcash Payment Gateway. It is automatically activated when you choose to accept Instant EFT via Ozow on your account, boosting your sales with a faster checkout and payment experience.

  1. At checkout, customers select Capitec Pay as their payment option.
  2. They enter their cellphone number and ID number to access their profile securely.
  3. Via the Capitec app, they tap Transact > Capitec Pay and approve their payment.
  4. Once payment is successfully processed, it will appear in your Netcash account. You will be instantly notified of successful payments via SMS and Email.

Reach millions of customers with Capitec Pay

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

Chat to us

Benefits of Capitec Pay

Fast and secure payments.

Reach millions of customers using Capitec Pay to shop online.

Payment is made directly to your Netcash account.

 

Simplified reconciliation and monitoring through Netcash and Capitec.

Pay an all-in-one transaction fee for Capitec Pay, no hidden costs.

 

Access other Instant EFT methods through the Ozow service with Netcash.

Get paid online & in person

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

Chat to us

FAQs

What are the transaction fees for Capitec Pay?
Capitec Pay attracts a small, all-in-one transaction fee per payment, with no setup or monthly costs. Fees depend on your business size, transaction volume, and payment value. This transparent pricing structure ensures you only pay for what you use, while still benefiting from instant, secure processing through the Netcash Payment Gateway.
Which banks are supported by Capitec Pay?
Capitec Pay is exclusive to Capitec Bank customers. However, when you activate Instant EFT via Ozow in your Netcash account, your customers also gain access to all major South African banks, including FNB, ABSA, Nedbank, and Standard Bank. This ensures full coverage for both Capitec and non-Capitec users.
How do I know if a Capitec Pay transaction has been successful?
You’ll receive instant SMS and email notifications once a Capitec Pay transaction clears. All payments reflect immediately in your Netcash dashboard, where you can view detailed reports, statements, and reconciliation summaries in real time. This ensures every transaction is fully traceable and confirmed.
How does Capitec Pay work?
Capitec Pay is a mobile-based payment method that allows customers to pay directly from their Capitec accounts — no cards required. At checkout, customers enter their cellphone and ID numbers, approve the transaction in the Capitec app, and payment is processed instantly. Funds are settled directly into your Netcash account with no waiting time.
Is Capitec Pay safe for online payments?
Yes. Capitec Pay is designed with open banking security protocols and multi-factor authentication. Customers approve transactions securely in their Capitec banking app, and all data is encrypted. Combined with Netcash’s PCI DSS Level 1 compliance, this ensures a fully protected, card-free online payment experience.