PayShap Request is a real-time payment feature available through Ozow, enabling merchants to request and receive instant payments directly from their customers, using just their registered mobile number or bank account number.
PayShap Request simplifies the payment process for everyone involved. Its core value lies in three main areas:
- Convenience for Consumers: Customers no longer need to manually enter banking details or remember reference numbers.
- Security and Trust: Payments are processed through Ozow’s secure platform, reducing errors and fraud risk. Customers approve the payment from their banking app.
- Speed and Transparency: Transactions are near-instant, and both parties receive clear confirmation when payments are complete.
Key Benefits for Merchants Using PayShap Request
- Instant Payments – Up to R5000*
Merchants receive payments in real time, improving cash flow and speeding up service delivery. - Customer Convenience
Customers can pay using just their registered mobile number or bank account number, without needing to share sensitive banking credentials. - Access to New Customers
With over 4.5 million ShapIDs, PayShap connects merchants to digitally hesitant, risk-averse customers who prefer secure, simple payment options. - Checkout Integration Option
For added convenience and higher conversion rates, display the PayShap button directly on the payment options page, making it easier for customers to complete their purchase. To learn how to integrate PayShap, check out the integration guide on OzowHub. - Backed by Banks & Regulators
PayShap is powered by BankservAfrica (PayInc) and supported by South Africa’s banks under the Rapid Payments Programme (RPP), ensuring scale, security, and stability. - No Extra Setup Required
For merchants already integrated with Ozow, PayShap Request functions without the need for additional development. - Secure & Irrevocable
Every payment is authenticated via the customer’s bank app and includes built-in fraud prevention. - Direct Refunds
Merchants can process refunds directly to customers’ bank accounts without requiring additional steps.
Key Benefits for Consumers Using PayShap Request
- Simple and Quick Payments
Payments can be approved in just a few clicks, with no need to manually enter banking credentials. - Secure and Trusted
All transactions are processed through Ozow and authenticated via the customer’s bank app, ensuring funds and personal data remain secure. - Flexible Options
Customers can choose to pay using either a registered mobile number or a bank account number. - Accessible to All
PayShap accommodates digitally hesitant or risk-averse consumers through a simple, user-friendly payment process. - Easy Refunds
Refunds are returned directly to the customer’s bank account without extra steps. - Supported by Banks & Regulators
PayShap forms part of South Africa’s Rapid Payments Programme (RPP), powered by BankservAfrica, ensuring both reliability and regulatory compliance.
How it works?
First-time users: before starting, first-time users must ensure that PayShap is enabled in their bank app.
- Select Payment Method
- Users choose PayShap from multiple options (Card, Voucher, Pay by Bank, PayShap).
- Choose Your Bank
- A list of supported banks is displayed (e.g., FNB, Discovery Bank, TymeBank, Nedbank Bank).
- This step ensures compatibility with the user's banking provider.
- Enter Verification Details
- User inputs either their registered mobile number or account number.
- This information initiates and verifies the transaction securely.
- First time users must ensure that PayShap is enabled on their bank app.
- Validate PayShap Request
- A countdown timer appears, prompting the user to:
- Open their bank app (e.g., Standard Bank).
- Locate the PayShap request in notifications.
- Confirm the transaction details.
- Enter their PIN to authorise the payment.
- Bank Authentication
- The bank app processes and authenticates the transaction internally.
- This adds a layer of security and trust.
- Payment Confirmation
- Once the transaction has been confirmed in the users' bank app, the user is redirected to Ozow to view the final confirmation screen.
Approval Process
Once a registered mobile number or account number has been entered, an authorisation screen is displayed with instructions on how to approve the payment. The steps differ depending on the user’s bank, so it is important that the provided instructions are followed carefully to complete the transaction successfully.
Tyme Bank Users
- Open your ‘TymeBank app’
- Select ‘Move Money’ on the home screen, then select ‘PayShap Request’
- Select ‘Make payment’, then select the payment request from Ozow
- Select ‘View request’, then select ‘Pay now’
- Supply the ‘OTP’ sent to your device
- Return to Ozow
Discovery Bank Users
- Select the ‘PayShap Request notification’ sent to your device
- Log on to the ‘Discovery app’ by selecting the notification
- Review the ‘PayShap Request’ from Ozow and select ‘Next’
- Select an account, provide ‘Ozow’ as ‘My reference’, and select ‘Next’
- Review and select ‘Pay’ to authorise the payment request from Ozow
- Return to Ozow
FNB Users
- Open your ‘FNB bank app’
- Select ‘Message’ on the home screen, then select ‘Just for you’
- Select ‘View Request’, then select ‘Pay now’ to authorise the payment request from Ozow
- Return to Ozow
PayShap Request simplifies payments by making them instant, secure, and easy to approve. While the exact steps vary across banks, once PayShap is enabled in a bank app, the authorization process is straightforward. With Ozow, customers can complete transactions in just a few taps, saving time, reducing errors, and building trust.
Enable PayShap today and start enjoying faster, safer payments with Ozow.
.png)