In short: Capitec does not give you an in-app undo for an ordinary payment you sent. Its FAQ says PayShap has no cancellation or reversal process. If you deposited money into the wrong account, Capitec says it will try to reverse that deposit, that this is not guaranteed, and that the person who received it must agree.
This page is about credits and deposits you sent from a Capitec account in South Africa. It is not about debit orders taken from you.
PayShap and PayShap Request
Capitec’s FAQ “What happens if I pay the wrong person?” says there is no cancellation or reversal process with PayShap. You have to contact the person you paid and ask for a refund.
If you approved a PayShap Request by mistake, the same FAQ is harder: payments made to PayShap requests are immediate and irrevocable. Capitec says it is impossible to reverse them. Check the request details, including the sender shown in the request, before you approve.
You can cancel a PayShap Request you sent if it is still pending. That cancels the request, not a payment that has already gone.
Money paid or deposited to the wrong account
Capitec’s wrong-account deposit answer tells you to contact the bank as soon as you can:
- Client Care Centre 0860 10 20 43
- in-app call
- WhatsApp 067 418 9565
It then says Capitec will try to reverse the deposit, that this is not guaranteed, and that the person you paid has to give permission. If they agree, Capitec says it will transfer the money to the account you provide.
That is a request, not a paid-back date. Capitec’s FAQ does not publish a R160 fee, a 2-to-10 working-day promise, or a success rate for this reverse.
Bills and other credits
Capitec’s FAQ “Can I reverse or cancel a Pay Bill transaction?” says no. Once you have paid, it cannot be cancelled or reversed. If the bill details were wrong, you have to contact that service provider.
PASA’s credit-payments page sits behind this: credit payments are final and irrevocable, and they run on the account number you supplied. An EFT or RTC you sent is that kind of credit, even when the app used a friendlier label.
What to do, in order
- Open the Capitec app or official internet banking and read the transaction type.
- If it is a debit order, stop here and use Capitec’s debit-order dispute process instead.
- If it is PayShap or a PayShap Request that already paid, contact the recipient. Capitec does not publish an undo.
- If it is a wrong-account deposit, use 0860 10 20 43 or 067 418 9565 after you typed those numbers from Capitec’s site.
- Keep the reference, amount, date and account number. Do not send an OTP or PIN to anyone who messages you first.
Frequently asked questions
Can I reverse a PayShap payment in the Capitec app?
Capitec’s FAQ says there is no cancellation or reversal process. Ask the person you paid.
What if I approved a PayShap Request by mistake?
Capitec says those payments are immediate and irrevocable and cannot be reversed.
Will Capitec get a wrong deposit back?
It says it will try. The recipient must agree. It is not guaranteed.
Is there a published reversal fee?
Capitec’s FAQ does not publish a R160 reversal fee on the wrong-deposit answer. Ask Capitec whether a fee applies to your case.
Sources
- Capitec Bank FAQ, PayShap, Pay Bill and wrong-deposit answers, accessed 18 August 2026. www.capitecbank.co.za/were-here-to-help/faqs/
- PASA, Credit Payments, accessed 18 August 2026. Credit payments
This is general information about Capitec credits and deposits. It is not a promise of a refund. Use Capitec’s current FAQ and your written bank reply.