Ozow FAQs
Have a question? Check out our list of Frequently Asked Questions to find your answer. If you can’t find what you’re looking for, then please don’t hesitate to reach out to support@ozow.com. We’re more than happy to help you have an incredible Ozow experience.
Have a question? Check out our list of Frequently Asked Questions to find your answer. If you can’t find what you’re looking for, then please don’t hesitate to reach out to support@ozow.com. We’re more than happy to help you have an incredible Ozow experience.
Contact Ozow Support

General
An EFT, or electronic funds transfer (EFT) is when money is sent from one bank account to another. It’s all done digitally, without the need for a person to make the transfer.
What is an Instant or Automated EFT?
They’re streamlined versions of a traditional EFT. It makes payment/bank transfer a lot faster and easier because certain steps, like entering a reference number and amount, are done automatically. This payment method only requests the information that isn’t already on the system, like the account number and one-time pins.
Ozow is one of the easiest, quickest, and safest ways to make and receive EFT payments. There are multiple payment options for merchants to use to get paid by customers, including eCommerce, SMS payment request links, e-billing and QR codes. Making payments with Ozow is simple too – all you need is a smart device and bank account.
To ensure that all processes are followed, it can take up to three(3) hours to two(2) working days for your Ozow account to be created.
Please note that in order to change/update you're banking details we would require the following:


(Some institutions, such as SARS, Municipalities or Department stores, can’t be paid normally because the bank has already added them as beneficiaries. These types of beneficiaries are also known as Public Beneficiaries).

Use the Forgotten Password functionality on the Merchant Portal, or contact support@ozow.com to send you a reset link.
The temporary password which was sent to you on request has expired. Please use the forgot password functionality available on the Merchant Portal to contact support@ozow.com for further assistance.
You can create an Ozow PIN the next time you pay with Ozow, simply by opting in through a merchant where it’s available.
for more information view Ozow PIN or go to https://www.youtube.com/watch?v=9QfxdtQgkJY
We have pricing packages for businesses of all sizes. But, if you’rejust getting started out, we won’t charge you a cent for the first 12 months,or until you earn over R1mil in transactions for a month (whichever comesfirst). From that point on, we charge a nominal percentage of your successfutransactions. This percentage is based on the type and size of your business.
We also don’t charge monthly fees, nor for setup. For more information, have a look at our pricing page here
We make sure all your personal and banking information is encrypted end-to-end. This means only you and your bank can see this sensitive data (not even us). We also don’t store any of your data unless you give us permission to. All of this, along with our safety standards and protocols, help in significantly lowering the chances of identity theft and fraud.
We have very intensive safety and security systems and protocols in place at Ozow. We pride ourselves in providing secure instant EFT solutions, and have implemented various measures to make sure we live up to this. For more information, check out our security page here.
Any business that wants a simple, quick and safe way for customers to make instant EFTs can integrate Ozow to become a merchant.
Yes, it is! We’re a licensed by the Payments Association of South Africa as a Systems Operator and Third-Party Payments Provider, abide by PCI-DSS Level 1 processes, and we’re PCI-certified, even though we don’t process credit cards. We also make sure all payment and banking information is encrypted end-to-end, and we don’t save of it unless you give us permission to. Every payment also needs to be authorised with two-factor authentication, otherwise it won’t be honoured. And to top it off, we also adhere to POPIA and GDPR regulations.
We do! All your banking details are encrypted end-to-end. This meanswe don’t see it – only you and your bank do. We also don’t save any of yourdetails unless you give us permission to. For more on this, check out our security page here.

Capitec, FNB, Standard Bank, ABSA, Nedbank, Tymebank, Investec Bank, Bidvest Bank, African Bank.
In your Ozow Dashboard (https://dash.ozow.com) navigate to the Sites tab.
You can download our B-BBEE Certificate by clicking on the following link.

Registration or Sign-up
No, you don’t. All you need to make a payment with Ozow is a smart device and a bank account.
We will be happy to talk to you, please email us at sales@ozow.com in order to setup a session.
There are no monthly subscriptions, activation, and deactivation fees. As a merchant, you only pay a percentage of your successful transaction value processed by Ozow. Should you enable other Ozow products such as Refunds, Point of Sale, e-Commerce, and other payment solutions, the fees are subject to change.
Registered company:
To register as a “Registered Company” you will be required to be registered with CIPC and have a business bank account. All validation related to bank accounts are performed by PB Verify.
Informal merchant tooltip:
Do not have a registered company, no problem! This option is for anyone who want to use our platform for processing secure online EFTs.
Tips:
1. For a registered company, include correct business bank details.
2. For an informal business, provide correct bank account details. Should you not be successful with this, please contact us at kyc@ozow.com
There might be a small glitch in the system, but we are ready to assist. Please send the following to kyc@ozow.com
For Registered Companies:
1. Completed merchant form;
2. Bank confirmation letter;
3. Company registration documents;
4. Director ID;
5. Company logo (130 x 70 .png);
6. Integration requirements such as WordPress plugin, Shopify, HTML Button, Mobile App, API Integration
For Informal Merchants:
1. Completed merchant form;
2. Bank confirmation letter;
3. Your ID
4. Company logo (130 x 70 .png);
5. Integration requirements such as WordPress plugin, Shopify, HTML Button, Mobile App, API Integration
6. Proof of residence
Payments, Invoices and Refunds
Ozow won’t charge you a thing. However, you will still be charged for the transaction by your bank.
Anyone who has a smart device and a South African bank account can pay merchants who have Ozow as a payment option.






Step 1
Select Ozow as your payment option when you shop online or in-store.
Step 2
Select your bank. We have all 10 of South Africa’s major banks available to choose from.
Step 3
Log in and select the account you want to pay from.
Step 4
Accept the
two-factor authorisation request from your bank, and that’s it! Payment successful.
No, your payers only need to have a registered internet banking account with any one of the banks supported by Ozow.



















Yes! You can make payments with Ozow on any smart-enabled device.
On the payment page, select the option to pay using different account or remove Ozow PIN. These actions will redirect you to the original Ozow Payment Page to pay using the traditional payment page.
Please view the guide on how to pay
If additional assistance is required, please contact us at info@ozow.com
Please send a request to debtors@ozow.com
The funds will reflect in your nominated bank account the same day or interbank standard EFT rules.
Please contact your merchant to confirm that the order has not been processed and contact your bank regarding the cancellation.
Please download a proof of payment from your online banking profile and contact the merchant you transacted with as Ozow does not hold any funds and is purely a payment gateway facilitating instant eft payments between the end user (you the customer) and the merchant.
In order to resubmit the validation please login into signup.ozow.com using your sign-up credentials and update your banking details.
Tips:
1. For a registered company, include correct business bank details.
2. For an informal business, provide correct bank account details. Should you not be successful with this, please contact us at kyc@ozow.com
Integration
You will find everything you need in the Integration Manual, which you can receive upon request from the support team or your Key Account Manager. In the case where you need additional assistance, please contact us support@ozow.com
In your Ozow Dashboard (https://dash.ozow.com) navigate to Merchant Details.
J2Store, PrestaShop, Xero, Virtue Mart, Shopify, Bigcommerce, Drupal, WordPress, WooCommerce, nopCommerce, HTML Button, CS Cart, WHMCS, Magento, Opencart, OSClass, OSCommerce, Shopp, ZenCart.
For more information please view integrations here