Quick Facts

• Only R1 to pay another Capitec client
• Use your phone number – no card needed
• Works with 24 million Capitec customers
• Over 88% payment success rate
• Pay for shopping, bills, subscriptions
• Protected by Capitec’s advanced security

What is Capitec Pay?

Capitec Pay is a new way to pay using your phone.

You don’t need a bank card.

You don’t need to remember card numbers.

You just use your cellphone number and the Capitec app.

Where Can You Use It?

As of December 2025, you can use Capitec Pay at:

• Online shops like Takealot, Superbalist, Zando
• Food delivery apps like Uber Eats, Mr D Food
• Grocery delivery services like Checkers Sixty60
• Streaming services like Netflix, Showmax, Spotify
• Mobile phone contract payments
• Subscription services
• Any shop that accepts Capitec Pay

Over 24 million South Africans can use Capitec Pay.

That’s more than half of all adults in South Africa.

What Makes It Special?

Capitec Pay uses “open banking” technology.

This means you pay directly from your bank account.

The money goes straight from you to the shop.

No credit card company in the middle.

This makes it faster and cheaper.

How Does Capitec Pay Work?

The payment process is very simple.

Here are the steps:

What Happens Behind the Scenes?

Capitec Pay uses secure APIs.

An API is a safe way for apps to talk to each other.

The shop’s website talks to Capitec’s system.

Capitec checks if you have enough money.

Then it sends you the notification to approve.

Your card details are never shared with the shop.

This makes it very safe.

What You Need to Use Capitec Pay

You need just three things:

1. A Capitec Bank Account

You must have a Capitec Global One account.

This account costs only R7.50 per month in 2025.

If you don’t have a Capitec account yet:

• You can open one at any Capitec branch
• You need your South African ID
• Proof of address (less than 3 months old)
• Some branches let you start the process online

2. The Capitec Banking App

Download the Capitec app from Google Play Store.

Or get it from the Apple App Store.

The app is free to download.

You need a smartphone with internet connection.

Register on the app using your Capitec card details.

3. Your Registered Cellphone Number

You must use the number you gave to Capitec.

This number must be active and working.

If you changed your number, update it at Capitec.

Visit a branch or call 0860 10 20 43.

✅ How to Set Up Capitec Pay

Good news: Capitec Pay is already active!

If you have a Capitec account and the app:

You can start using Capitec Pay right away.

There is no special registration needed.

First Time Using It?

Follow these steps for your first payment:

That’s it! Your payment is done.

Future payments work exactly the same way.

💰 Fees and Costs for Capitec Pay

Capitec Pay fees are very low.

Here are the costs in 2025:

Payment Type	Cost in 2025
Pay another Capitec client	R1
Pay a shop/merchant	R1
Online shopping payment	R1
Monthly account fee	R7.50

Merchant Fees (For Shops)

If you own a shop, Capitec Pay costs are capped.

Maximum fee is R7 per transaction.

This cap applies to payments over R1,000.

For payments under R1,000, fees are lower.

Real Examples

Variable Recurring Payments (VRP)

In December 2025, Capitec launched a new feature.

It’s called Variable Recurring Payments (VRP).

This is the first of its kind in South Africa.

What is VRP?

VRP lets you set up automatic payments.

But the amount can change each time.

You set a maximum limit.

Payments only happen if they’re under your limit.

How Does VRP Work?

Where Can You Use VRP?

• Food delivery: Order meals without approving each time
• Grocery delivery: Weekly shopping paid automatically
• Mobile contracts: Monthly phone bill payments
• Streaming services: Netflix, Showmax, Spotify
• Online subscriptions: Regular deliveries or services

VRP Example

Managing Your VRP

You have full control over VRP.

• You can pause VRP anytime in the app
• You can cancel VRP completely
• You can change your maximum limit
• You get notifications for all payments
• You see all VRP payments in your transaction history

🔒 Safety and Security Features

Capitec Pay is very safe.

It has many security features protecting you.

1. Two-Factor Authentication

Every payment needs two things:

• Your phone (something you have)
• Your app PIN or fingerprint (something you know/are)

Nobody can pay without both of these.

2. Contact Lock Feature (New in 2025)

Capitec launched Contact Lock in 2025.

This creates a digital fingerprint of your phone.

It uses your saved contacts.

If someone tries to use your account on another phone:

• The app checks the contacts on that phone
• If contacts don’t match, access is blocked
• You get an alert about the attempt

3. Call Verification

If someone calls claiming to be Capitec:

Open your Capitec app while on the call.

The app shows if you’re really talking to Capitec.

If it’s a scammer, the app will warn you.

4. Real-Time Fraud Detection

Capitec blocks suspicious payments automatically.

If you try to pay a known scammer:

• The payment is blocked before money leaves
• You get a warning on your screen
• This has saved many people from scams

5. No Card Details Shared

With Capitec Pay, shops never see:

• Your card number
• Your PIN
• Your CVV number
• Your bank account number

They only know you approved the payment.

This protects you from data breaches.

6. Encryption

All your data is encrypted.

Encryption scrambles your information.

Only you and Capitec can read it.

Hackers cannot steal your details.

🚨 Avoid Capitec Pay Scams

Scammers are always trying new tricks.

In 2025, fraud is increasing in South Africa.

Banking fraud went up 73% from 2024 to 2025.

Here’s how to protect yourself.

Common Scams in 2025

How to Stay Safe

What Capitec Will NEVER Do

• Ask for your PIN or password
• Ask for your OTP (one-time password)
• Ask you to approve a payment to “reverse fraud”
• Send you links in SMS messages
• Ask you to move money to a “safe account”
• Recruit you via WhatsApp or Facebook
• Ask for upfront payment for anything

If You’ve Been Scammed

Act fast if you think you’ve been scammed:

1. Call Capitec immediately: 0860 10 20 43
2. Report to SABRIC (banking fraud): 0860 123 377
3. Open a case at your local police station
4. Report to SAFPS (fraud prevention): 011 867 2234

The faster you act, the better your chances.

Capitec Pay vs Other Payment Methods

How does Capitec Pay compare to other options?

Feature	Capitec Pay	Credit Card	Debit Card
Cost per payment	R1	Free (but shop pays 2-3%)	R1-R3
Speed	Instant	Instant	Instant
Security	Very High	Medium	Medium
Share card details?	No	Yes	Yes
Need physical card?	No	Yes	Yes
Recurring payments	Yes (VRP)	Yes	Yes

✅ Advantages of Capitec Pay

⚠️ Things to Know

Capitec Pay is great but has some limits:

Current Limitations

• Only for Capitec customers: Both you must bank with Capitec
• Need a smartphone: Feature phones won’t work
• Need internet: Data or WiFi required
• Not all shops accept it yet: Still growing
• Only in South Africa: Can’t use it overseas
• Need the app: Must be installed and working

What If Your Phone is Lost?

If you lose your phone:

1. Call Capitec immediately: 0860 10 20 43
2. They will lock your banking app
3. No one can make payments without your PIN
4. Contact Lock protects you on another phone
5. When you get a new phone, reinstall the app
6. Your Capitec Pay will work again

What If Payment Fails?

Sometimes payments don’t go through.

Common reasons:

• Not enough money: Check your balance
• Internet problem: Try again with better connection
• Wrong phone number: Make sure it matches your account
• App not updated: Update to latest version
• Capitec system maintenance: Wait and try again

If problems continue, call Capitec support.

Your Rights as a Customer

You have rights when using Capitec Pay.

Protection Under South African Law

Several laws protect you:

• Consumer Protection Act: You have right to fair service
• Financial Sector Regulation Act: Banks must follow rules
• POPI Act: Your personal data must be protected
• National Payment System Act: Payments must be safe

Who Regulates Capitec Pay?

How to Complain

If you have a problem with Capitec Pay:

✅ Tips for Using Capitec Pay Successfully

Capitec Pay is a safe, cheap, and easy way to pay online in 2025. For only R1 per payment, you get excellent security and convenience. The new VRP feature makes recurring payments even simpler. If you bank with Capitec, this is one of the best payment methods available in South Africa.

Who Should Use Capitec Pay?

• Anyone who banks with Capitec
• People who shop online regularly
• Those worried about card security
• Anyone wanting to save on payment fees
• People with subscriptions (Netflix, Spotify, etc.)

Important Safety Reminders:

• NEVER share your PIN or OTP with anyone
• NEVER click links in SMS messages
• ALWAYS verify callers using the app
• ALWAYS check payment details before approving

For questions or problems, contact Capitec on 0860 10 20 43. They’re available 24/7 to help you.