Africa

Accept Card Payments in South Africa

Accept Visa, Mastercard, and international cards from customers anywhere. Get paid to your South African bank account in Rand.

ZARSouth African Rand
Payout:See expected arrival date
Entrepreneur using HandyPay
Business owner accepting payments
ZAR
Currency
Local bank
Payout destination

Why HandyPay for South Africa?

From Cape Town to Johannesburg, South African businesses can accept card payments without costly hardware and settle straight to a local bank account.

4.9%
+ 40¢ per transaction
ZAR
Default payout currency
$0
Monthly fees
Payment links for any amount
QR codes up to $9M per transaction
Donation links — customers choose amount
Visa, Mastercard, Amex, Apple Pay, Google Pay
Bank-level security with Face ID & Touch ID
Real-time payment tracking

Country availability

What you can use in South Africa

These are the HandyPay tools available after merchant activation. Conditional tools have an extra currency or account requirement.

Payment links and QR codes

Create a hosted checkout and share it by WhatsApp, email, text, or a scannable QR code.

Available

Recurring subscriptions

ZAR is not currently a recurring billing currency. You can use another supported subscription currency, such as USD or EUR.

Conditional

Developer API and webhooks

Create one-time and recurring checkouts, then receive signed payment and subscription events.

Available

Test mode

Use separate test keys, payments, customers, subscriptions, and webhooks before taking live payments.

Available

WordPress and WooCommerce

Use the live WordPress.org plugins for payment buttons, forms, and WooCommerce checkout.

Available

Shopify

The public Shopify integration is still in testing. Join the waitlist for launch updates.

Coming soon

Payouts and setup

Requirements for South Africa

Availability
Available now
Payout currency
ZAR (South African Rand)
Payout destination
Local Bank Account
First live payout
The first live payout is typically 7 to 14 days after your first successful payment. It can take longer in some countries or for higher-risk businesses.
Later payouts
After the first payout, funds generally move on a rolling schedule once they become available. Use the expected arrival date shown for each payout because bank processing and holidays can change the final date.

Bank details to have ready

  • Account holder name
  • 6-digit branch code
  • Bank account number

Onboarding information

  • Business registration information
  • Owner or authorized representative details
  • Government-issued identification
  • Business website, product, or service information
  • Eligible bank account details

Restrictions and conditions

  • Merchant activation is subject to identity, business, bank-account, and risk review.
  • Payouts are deposited in ZAR. A currency conversion can apply when the customer pays in another currency.
  • Available cards and wallets can vary by customer location, device, browser, currency, and merchant configuration.
  • Instant payouts are not available on the cross-border payout route.
  • Crowdfunding, donation, fund-contribution, and NFT use cases are not supported on cross-border payout accounts.
  • ZAR is supported for local settlement, but not for recurring subscription prices at this time.

Last reviewed August 31, 2026. Payout timing and cross-border restrictions are based on the current Stripe payout documentation and cross-border payout rules. Account-specific dates shown in HandyPay remain authoritative.

Country FAQ

HandyPay in South Africa

Is HandyPay available for businesses in South Africa?

Yes. HandyPay merchant onboarding is available for eligible businesses in South Africa. Activation remains subject to business and identity review.

Which HandyPay tools can I use in South Africa?

Payment links and QR codes, Recurring subscriptions, Developer API and webhooks, Test mode, WordPress and WooCommerce are available after your account is activated. Shopify is not publicly available yet.

Can I charge customers and receive payouts in ZAR?

You can create eligible checkouts in ZAR, and the default bank payout currency for South Africa is ZAR. If a customer pays in another supported currency, currency conversion and related fees can apply.

Which payment methods can customers use in South Africa?

Customers can use eligible credit and debit cards. Apple Pay, Google Pay, and other methods appear automatically when the customer, device, browser, currency, and merchant account qualify.

How long do payouts take in South Africa?

The first live payout is typically 7 to 14 days after your first successful payment. It can take longer in some countries or for higher-risk businesses. After the first payout, funds generally move on a rolling schedule once they become available. Use the expected arrival date shown for each payout because bank processing and holidays can change the final date.

What bank details are required in South Africa?

Have these details ready: Account holder name, 6-digit branch code, Bank account number. The bank account must be eligible for payouts and its ownership details must match the information provided during onboarding.

What is required for merchant onboarding?

You will normally need business registration information, details for an owner or authorized representative, a government-issued ID, information about what the business sells, and an eligible bank account. Additional documents can be requested during verification.

Are there limits, reserves, or country restrictions?

Merchant activation is subject to identity, business, bank-account, and risk review. Payouts are deposited in ZAR. A currency conversion can apply when the customer pays in another currency. Available cards and wallets can vary by customer location, device, browser, currency, and merchant configuration. Instant payouts are not available on the cross-border payout route. Crowdfunding, donation, fund-contribution, and NFT use cases are not supported on cross-border payout accounts. ZAR is supported for local settlement, but not for recurring subscription prices at this time. Any account-specific transaction limit or reserve is communicated during review or shown in your account.

What does HandyPay cost?

HandyPay's published standard price is 4.9% plus US$0.40 per successful transaction, with no setup fee or monthly platform fee. Currency conversion, disputes, refunds, banking, or account-specific charges can apply when relevant.

How to accept payments in South Africa

Download the app

Get HandyPay free from the App Store or Google Play. Sign up in minutes.

Create a payment link

Generate a QR code or payment link for any amount. Share via WhatsApp, SMS, or email.

Get paid in ZAR

Receive settled funds in ZAR to your eligible South Africa bank account. Track the expected arrival date for each payout.