# Overview

> Overview of payment methods available in South Africa through EBANX.

# 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
Credit Card, Debit Card, Ozow, Capitec Pay, Capitec Pay Recurring

For detailed integration guides, visit the [API Operability](/docs/get-started/api-operability) page.
### Customer document
Accepted type: National ID. The <code>document</code> 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?

If you still have questions, you can explore the following options:

- **Merchant support:** Contact our support team at [sales.engineering@ebanx.com](mailto:sales.engineering@ebanx.com) for assistance.
- **Not a partner yet?** Complete the [Merchant Signup Form](https://business.ebanx.com/en/request-contact), and our commercial team will reach out to you.