Qitero Qitero

PayShap

Country: South Africa (ZA)  |  Payment Rail: real_time_payment

RealTimePayment Market Adoption: 50%

PayShap is South Africa's national 24/7/365 real-time interbank instant payment system operated by BankservAfrica and SARB using ShapID mobile proxies.

🔄 User Payment Flow

  1. Customer selects PayShap at merchant checkout and inputs ShapID (phone number) or bank account details
  2. Customer receives authorization request on their South African banking app
  3. Customer approves transaction via mobile banking authentication
  4. BankservAfrica PayShap clears funds in real time and sends immediate payment confirmation to merchant

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API calls acquiring gateway for PayShap payment session
  • PSP issues payment token and PayShap ShapID request payload
  • PSP receives BankservAfrica clearing webhook notification and confirms order status