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 Checkout in conjunction with Payments API.

Choose the right products for your requirements.

Choose the right products for your requirements.

South Africa

CategoryPayment method (parameter)CurrenciesIntegrationsPayment types
CardVisa (CARD)ZARCheckout, Server-to-Server, Mobile SDKDB, RF (full or partial)*, RG**, PA***
Mastercard (CARD)ZARCheckout, Server-to-Server, Mobile SDKDB, RF (full or partial)*, RG**, PA
Amex (CARD)ZARCheckout, Server-to-Server, Mobile SDKDB, RF (full or partial)*, RG**, PA
Diners (CARD)ZARCheckout, Server-to-Server, Mobile SDKDB, RF (full or partial)*, RG**, PA
Card, multi-currencyVisa, Mastercard (CARD)Multiple, if using Absa Planet PaymentsCheckout, Server-to-Server, Mobile SDKDB, RF (full or partial)*, RG**, PA
EFTPay by Bank (PAYBYBANK)ZARCheckoutDB
Capitec Pay (CAPITECPAY)ZARCheckout, Payments APIDB
Peach EFT (PEACHEFT)ZARPayments APIDB
Buy now, pay laterPayflex (PAYFLEX)ZARCheckout, Payments APIDB, RF (full or partial)*
ZeroPay (ZEROPAY)ZARCheckout, Payments APIDB
Float (FLOAT)ZARHosted Checkout, Payments APIDB, RF (full or partial)*
Happy Pay (HAPPYPAY)ZARCheckout, Payments APIDB
QR codeScan to Pay (MASTERPASS)ZARCheckout, Payments APIDB, RF (full only)*
WalletApple Pay (APPLE PAY)ZARCheckout, Server-to-Server, Mobile SDKDB, RF (full or partial)*
Google Pay (GOOGLEPAY)ZARCheckoutDB, RF (full or partial)*
Samsung Pay (SAMSUNGPAY)ZARCheckoutDB, RF (full or partial)*
PayPal (PAYPAL)USD, GBP, and EURHosted 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)*
RCS credit and store cards (RCS)ZARCheckout, Payments APIDB, RF (full or partial)*
A+ store cards (APLUS)ZARCheckoutDB, RF (full or partial)*
CryptoMoneyBadger (MONEYBADGER)ZARCheckout, Payments APIDB

* 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 or PA.

*** Follow this guide to capture a preauthorisation.

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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, Payment Page, or a payment extension cannot use Capitec Pay as there is no way for them to provide the ID number in payment requests.

Peach EFT

Peach EFT enables you to offer the EFT payment method for multiple banks, including Absa, Nedbank, FNB, Standard Bank, Investec, TymeBank, Bidvest Bank, Old Mutual Bank, and African Bank.

Scan to Pay

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.

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.

Apple Pay

Checkout supports Apple Pay on all browsers (Safari, Chrome, Firefox, and so on) on iOS devices (iPhone, iPad, and so on). This support does not extend to Macs.

To offer Apple Pay to your customers, you must:

  • Have an FNB, Nedbank, or Standard Bank merchant account.
  • Have card enabled on your Peach Payments account.

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The support for Apple Pay on non-Safari browsers might change in the future.

Google Pay

To offer Google Pay to your customers, you must:

  • Have signed up with Google Pay.
  • Have an Absa, FNB, Nedbank, or Standard Bank merchant account.
  • Have card enabled on your Peach Payments account.
  • Send Peach Payments support your Google Pay merchant ID if you're using Embedded Checkout.

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Embedded Checkout does not support Google Pay Web in React Native integrations due to how it tries to open new tabs or windows to complete a payment.

Samsung Pay

To offer Samsung Pay to your customers, you must:

  • Have signed up with Samsung Pay.
  • Have a Nedbank or Standard Bank merchant account.
  • Have card enabled on your Peach Payments account.

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Samsung Pay is not supported on iOS devices (iPhone and iPad).

Payflex

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Payflex supports payments between R10 and R50,000 by default. To request a higher limit, contact support.

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

The minimum amount you can pay using ZeroPay is R30.

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

Float

Use the following files to integrate the Float widget depending on your eCommerce platform:

Happy Pay

See the Happy Pay documentation for details on how to configure Happy Pay's payment widget in HTML or on Shopify.

For WooCommerce, use this file.

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.

MoneyBadger

MoneyBadger enables you to accept crypto payments from Bitcoin Lightning, Luno, VALR, and Binance wallets.

Kenya

CategoryPayment method (parameter)CurrenciesIntegrationsPayment types
CardVisa (CARD)KES and depending on the acquirer, EUR and USDCheckout, Server-to-Server, Mobile SDKDB, RF (full or partial)*, RG**, PA***
Mastercard (CARD)KES and depending on the acquirer, EUR and USDCheckout, Server-to-Server, Mobile SDKDB, RF (full or partial)*, RG**, PA
Amex (Equity Bank only) (CARD)KESCheckout, Server-to-Server, Mobile SDKDB, RF (full or partial)*, RG**, PA
Card, multi-currencyVisa, Mastercard (CARD)Multiple, depending on the acquirerCheckout, Server-to-Server, Mobile SDKDB, RF (full or partial)*, RG**, PA
WalletPayPal (PAYPAL)USD, GBP, and EURHosted 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 or PA.

*** Follow this guide to capture a preauthorisation.

Mauritius

CategoryPayment methodCurrenciesIntegrationsPayment types
CardVisa (CARD)MUR and depending on the acquirer, EUR and USDCheckout, Server-to-Server, Mobile SDKDB, RF (full or partial)*, RG**, PA***
Mastercard (CARD)MUR and depending on the acquirer, EUR and USDCheckout, Server-to-Server, Mobile SDKDB, RF (full or partial)*, RG**, PA
Amex (CARD)MUR and depending on the acquirer, EUR and USDCheckout, Server-to-Server, Mobile SDKDB, RF (full or partial)*, RG**, PA
Diners (CARD)MUR and depending on the acquirer, EUR and USDCheckout, Server-to-Server, Mobile SDKDB, RF (full or partial)*, RG**, PA
Card, multi-currencyVisa, Mastercard (CARD)Multiple, depending on the acquirerCheckout, Server-to-Server, Mobile SDKDB, RF (full or partial)*, RG**, PA
Walletblink by Emtel (BLINKBYEMTEL)MURCheckout, Payments APIDB
MCB Juice (MCBJUICE)MURCheckout, Payments APIDB
PayPal (PAYPAL)USD, GBP, and EURHosted CheckoutDB, RF (full or partial)*, RG**
QR codeMauCAS (MAUCAS)MURCheckout, Payments APIDB

* 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 or PA.

*** Follow this guide to capture a preauthorisation.