The Ozow X Zapper Partnership: Where Competition Becomes Collaboration

February 17, 2022

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The Ozow X Zapper Partnership: Where Competition Becomes Collaboration

Choice is powerful, especially when it comes to how you manage your money. In our quest to give you more choice, we’re constantly circling the waters for brands to join forces with. Our latest partnership is quite unique. We’ve teamed up with a competitor to better serve both our customer bases.

Ozow is now available as a payment option on Zapper.

When you use Zapper, you now have more choice. You can either select Ozow to make instant bank-to-bank payments, or you can use your pre-loaded card.

You may be asking why we would partner with our direct competition. Quite simply, it’s to cement ourselves as a market disruptor.

Ozow is one of the leading bank-to-bank payment providers in South Africa. Zapper owns a significant share of the QR code payments market – they’re used by more than 70 000 merchants in the retail and hospitality worlds. As partners, we can leverage off of each other’s strengths, infrastructure, and markets.

Ozow’s CEO and co-founder, Thomas Pays, says it best,

“When two competing fintechs join forces, the partnership can be much greater than any adversity. This ultimately benefits the 47 million bank account holders in South Africa, all while driving financial and digital inclusion.”

He goes on to say, “People often hear the term ‘financial inclusion’, but don’t really understand why this is so big for fintechs like us. At its core, it’s about giving consumers and businesses greater access and choice. This is especially true for many consumers, who have been locked out of these types of services because they don’t have a credit card.”

Now, all these customers will have to do when using Zapper to make payments through Ozow, is select Ozow as their payment option in the Zapper app. When they checkout, they’ll be asked to enter their bank login details and create a four-digit PIN. Once that’s done, they’ll select the bank account they want to pay from, follow the steps to confirm the payment, and then approve it on their banking app.

While this partnership enables consumers to make easier, quicker and safer payments on Zapper, there’s also a notable benefit for merchants – no fees to process card payments.


Competition.  Collaboration.

They’re two conflicting ideas in the business world. But when they meet, they’re cause for innovation. At Ozow, that’s what we’re all about.  

Join us on our journey

If you want to be part of the team that’s constantly pushing the boundaries of what’s possible, then check out our careers page here – there might just be something for you.

Ozow Marketing

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