Payment methods

Introduction

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The Payments API does not support cards, A+ store cards, Apple Pay, and PayPal; Checkout supports these payment methods.

Peach Payments supports multiple payment methods, depending on whether you use Checkout or Payments API. 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 methodCurrenciesIntegrationsPayment types
CardVisaZARCheckoutDB, RF (full or partial)*, RG**
MastercardZARCheckoutDB, RF (full or partial)*, RG**
AmexZARCheckoutDB, RF (full or partial)*, RG**
DinersZARCheckoutDB, RF (full or partial)*, RG**
A+ store cardsZARCheckoutDB, RF (full or partial)*
Card, multi-currencyVisa, MastercardMultiple, if using Absa Planet PaymentsCheckoutDB, RF (full or partial)*, RG**
EFTInstantEFTZARCheckout, Payments APIDB
Capitec PayZARCheckout, Payments APIDB
EFTsecureZARCheckout, Payments APIDB
Buy now, pay laterPayflexZARCheckout, Payments APIDB, RF (full or partial)*
ZeroPayZARCheckout, Payments APIDB
QR codeScan to PayZARCheckout, Payments APIDB, RF (full only)*, ***
WalletApple PayZARCheckoutDB, RF (full only)*
PayPalUSDCheckoutDB, RF (full or partial)*, RG**
Voucher1VoucherZARCheckout, Payments APIDB, RF (full or partial)*
Alternative creditMobicredZARCheckout, Payments APIDB, RF (full or partial)*
FinChoicePayZARCheckout, 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.

Kenya

CategoryPayment methodCurrenciesIntegrationsPayment types
CardVisaKES and depending on the acquirer, EUR and USDCheckoutDB, RF (full or partial)*, RG**
MastercardKES and depending on the acquirer, EUR and USDCheckoutDB, RF (full or partial)*, RG**
Amex (Equity Bank only)KESCheckoutDB, RF (full or partial)*, RG**
Card, multi-currencyVisa, MastercardMultiple, depending on the acquirerCheckoutDB, RF (full or partial)*, RG**
WalletPayPalUSDCheckoutDB, RF (full or partial)*, RG**
Mobile moneyM-PESAKESCheckout, 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
CardVisaMUR and depending on the acquirer, EUR and USDCheckoutDB, RF (full or partial)*, RG**
MastercardMUR and depending on the acquirer, EUR and USDCheckoutDB, RF (full or partial)*, RG**
Card, multi-currencyVisa, MastercardMultiple, depending on the acquirerCheckoutDB, RF (full or partial)*, RG**
Walletblink by EmtelMURCheckout, Payments APIDB
PayPalUSDCheckoutDB, 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.