Overview
South Africa is the most developed digital commerce market in sub-Saharan Africa. The payment landscape is card-first but debit-led: debit cards account for the largest share of e-commerce volume, ahead of credit, reflecting high banking penetration alongside significant credit constraints for a large portion of the population.
A2A payments via Ozow and Capitec Pay are growing rapidly. The market is heavily domestic — one of the most locally-concentrated in the EBANX Africa portfolio.
Available payment methods
South Africa supports the following payment methods through EBANX. For detailed integration guides, select a payment method from the sidebar or visit the API Operability page.
- Cards: Credit Cards, Debit Cards
- Cash & Codes: Capitec Pay
- Trusted Redirects: OZOW
Customer document
Accepted type: National ID. The document field is optional but recommended for reconciliation.
| Document Type | Format | Description |
|---|---|---|
| National ID | 13 digits | South African National Identity Number. |
Currency and settlement
| Detail | Value |
|---|---|
| Local currency | ZAR - Rand |
| Accepted currencies | ZAR |
Refunds
- Refunds for credit and debit card payments are sent to the card acquirer.
- Ozow and Capitec Pay refund processes are managed through the EBANX refund API. No customer bank account details are collected — refunds are returned via the original payment channel.
Still need help?
We hope this article was helpful. If you still have questions, you can explore the following options:
- Merchant support: Contact our support team at sales.engineering@ebanx.com for assistance.
- Not a partner yet? Please complete the Merchant Signup Form, and our commercial team will reach out to you.
