Payment methods

Introduction

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As described in the table below, Payments API and Checkout support different payment methods.

To learn more about the payment methods, see the Peach Payments website.

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Choose the right product

The Peach Payments product portfolio contains multiple products suited to different requirements. The following diagram can help you choose which products are right for your requirements.

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The Payments API does not support card payments, so if you want to accept card payments, you must use another product in conjunction with Payments API, such as COPYandPAY or Server-to-Server.

Choose the right products for your requirements.

Choose the right products for your requirements.

South Africa

CategoryPayment method (parameter)CurrenciesIntegrationsPayment types
CardVisa (CARD)ZARCheckoutDB, RF (full or partial)*, RG**
Mastercard (CARD)ZARCheckoutDB, RF (full or partial)*, RG**
Amex (CARD)ZARCheckoutDB, RF (full or partial)*, RG**
Diners (CARD)ZARCheckoutDB, RF (full or partial)*, RG**
A+ store cards (APLUS)ZARCheckoutDB, RF (full or partial)*
Card, multi-currencyVisa, Mastercard (CARD)Multiple, if using Absa Planet PaymentsCheckoutDB, RF (full or partial)*, RG**
EFTPay by Bank (PAYBYBANK)ZARCheckoutDB
Capitec Pay (CAPITECPAY)ZARCheckout, Payments APIDB
Nedbank Direct EFT (NEDBANKDIRECTEFT)ZARCheckout, Payments APIDB
EFTsecure (EFTSECURE)ZARCheckout, Payments APIDB
Buy now, pay laterPayflex (PAYFLEX)ZARHosted Checkout, Payments APIDB, RF (full or partial)*
ZeroPay (ZEROPAY)ZARCheckout, Payments APIDB
QR codeScan to Pay (MASTERPASS)ZARCheckout, Payments APIDB, RF (full only)*, ***
WalletApple Pay (APPLE PAY)ZARHosted CheckoutDB, RF (full only)*
PayPal (PAYPAL)USDHosted CheckoutDB, RF (full or partial)*, RG**
Voucher1Voucher (1FORYOU)ZARCheckout, Payments APIDB, RF (full or partial)*
Alternative creditMobicred (MOBICRED)ZARCheckout, Payments APIDB, RF (full or partial)*
FinChoicePay (FINCHOICEPAY)ZARHosted Checkout, Payments APIDB, RF (full or partial)*

* Refund transactions using the Dashboard or the relevant API:

** Checkout does not support the RG payment type, but you can tokenise a card while performing a DB.

*** For Scan to Pay, refunds are not allowed on debit cards. You can process a reversal on the debit card using the Scan to Pay service, but you must complete it before six hours have elapsed since the original transaction.

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For more information on the requirements for a multi-currency merchant account with Absa, see the support knowledge base.

Capitec Pay

Capitec categorises merchants as either high or low risk. The following table describes the different options available for merchants, depending on their risk category.

Risk categoryProductNotes
LowAll productsSupports paying with ID and phone number.
HighCheckout API, Payments APISupports paying with merchant-provided verified ID that the customer cannot edit. Does not support paying with phone number.

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High-risk merchants using Payment Links or a payment extension cannot use Capitec Pay as there is no way for them to provide the ID number in payment requests.

Scan to Pay

Multiple Scan to Pay, banking, and payments mobile apps, including the Nedbank Money, Standard Bank, Absa Banking App, Capitec Bank, FNB Banking App, RMB Private Bank App, Masterpass Scan to Pay, VodaPay, Telkom Pay Digital Wallet, and Spot Money - Mobile Banking support Scan to Pay QR codes.

Multiple mobile apps can pay Scan to Pay QR codes.

Multiple mobile apps that support Scan to Pay QR codes.

Instalment calculators and widgets

Certain buy now pay later and alternative credit payment methods enable you to display instalment calculators on your website, showing your customers what their initial and follow-up payments are.

Configuring the instalment calculator differs depending on the payment method and the platform that you're using.

Payflex

See the Payflex documentation for details on how to configure the Payflex widget. You can also use the widget on the following eCommerce platforms:

ZeroPay

Use the following files to configure the ZeroPay instalment calculator depending on your eCommerce platform:

Mobicred

See the Mobicred documentation for details on how to configure the Mobicred instalment widget. The widget also supports multiple eCommerce platforms, including Magento, OpenCart, Shopify, and WooCommerce. See the Integrations section for more details.

Kenya

CategoryPayment method (parameter)CurrenciesIntegrationsPayment types
CardVisa (CARD)KES and depending on the acquirer, EUR and USDCheckoutDB, RF (full or partial)*, RG**
Mastercard (CARD)KES and depending on the acquirer, EUR and USDCheckoutDB, RF (full or partial)*, RG**
Amex (Equity Bank only) (CARD)KESCheckoutDB, RF (full or partial)*, RG**
Card, multi-currencyVisa, Mastercard (CARD)Multiple, depending on the acquirerCheckoutDB, RF (full or partial)*, RG**
WalletPayPal (PAYPAL)USDHosted CheckoutDB, RF (full or partial)*, RG**
Mobile moneyM-PESA (MPESA)KESCheckout, Payments APIDB, RF (full only)*

* Refund transactions using the Dashboard or the relevant API:

** Checkout does not support the RG payment type, but you can tokenise a card while performing a DB.

Mauritius

CategoryPayment methodCurrenciesIntegrationsPayment types
CardVisa (CARD)MUR and depending on the acquirer, EUR and USDCheckoutDB, RF (full or partial)*, RG**
Mastercard (CARD)MUR and depending on the acquirer, EUR and USDCheckoutDB, RF (full or partial)*, RG**
Card, multi-currencyVisa, Mastercard (CARD)Multiple, depending on the acquirerCheckoutDB, RF (full or partial)*, RG**
Walletblink by Emtel (BLINKBYEMTEL)MURCheckout, Payments APIDB
PayPal (PAYPAL)USDHosted CheckoutDB, RF (full or partial)*, RG**

* Refund transactions using the Dashboard or the relevant API:

** Checkout does not support the RG payment type, but you can tokenise a card while performing a DB.