Introducing the

Ozow is growing! And wants your business to grow too – with a progressive web application (PWA) that will make it quicker, easier and safer for you to get paid.

What is Ozapp

Progressive Web Apps are web apps that use emerging web browser APIs and features, along with traditional progressive enhancement strategy, to bring a native, app-like user experience to cross-platform web applications.

What does this mean for you?

A seamless experience that makes it easy for your clients and customers to make payments, instantly.

The Ozapp is aimed at all South Africans, but should have the biggest impact on consumers looking for quick access to payment technology. This is especially true if they usually pay in cash or don’t have a range of fintech and banking services to help them make quick payments at PoS or online. It’s driving inclusivity and offers the chance to pay digitally instead of trading in cash – which is both unsafe and unhygienic.

The Ozapp allows payers to:

  1. Make payments and transfers to each other
  2. Pay at retail stores and informal shops
  3. Pay informal and formal merchants
  4. Pay at online checkouts or brick-and-mortar stores

PLUS: you as a merchant can now accept payments digitally from a range of consumers around the

How does it work?

Payment is initiated by scanning a QR code or following a link created and distributed by an Ozow merchant. All this is done securely, easily, speedily, strictly digitally, and at a very low fee.

How to Access The Ozapp
on an iOs Device

How to Access The Ozapp
on an Android Device

Merchant Features

  • Accept digital payments, on the fly.
  • Create a dynamic QR code to send to a payer.
  • Send a link via SMS.
  • Register (as individual or CIPC registered merchant).
  • View payment history.
  • Consumers don’t need an app to pay, they can use any built-in QR scanner you create as a merchant.

Payer Features

  • Scan to Pay.
  • Use at any merchant that displays the Ozow or wicode logo.
  • Show quick access flow.
  • Use QR code to pay.
  • Request money from peers.
  • View payment history.


Buy goods & services


Seamless, person-to-person transfer


Accept payment via dynamic QR Code