Payment method · pay-by-bank
Capitec Pay
Capitec Pay lets Capitec customers pay directly from their bank account, approved inside the Capitec banking app - no card, and no account details typed at checkout. It is one of South Africa's most popular ways to pay online, and with LekkaPay it is live through Ozow.
LAST UPDATED ·
- Capitec Pay is live on LekkaPay through our partner Ozow
- Live
- card or account details entered at checkout - customers approve in the Capitec app
- 0
- payment confirmation, with no card-style chargeback on push payments
- Real-time
Why it matters
Capitec's customers want to pay this way.
Capitec is South Africa's largest retail bank by customer numbers, and Capitec Pay has quickly become a default checkout choice for millions of its app users. For some merchants it is now among their most-used payment methods - offering it removes friction for a large slice of South African shoppers.
- Approved in the Capitec app Customers authorise the payment inside their own Capitec banking app, with their own PIN or biometrics. No card details ever touch your checkout.
- Real-time confirmation You know the payment is good the moment it happens - no proof-of-payment email, no waiting for a manual EFT to reflect.
- One integration, via Ozow Capitec Pay runs through our partner Ozow and appears in the same LekkaPay checkout as cards, wallets and instant EFT.
How it works
How does Capitec Pay work with LekkaPay?
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Customer chooses Capitec Pay
Capitec Pay appears alongside cards, wallets and instant EFT in your LekkaPay checkout.
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They approve in the Capitec app
The customer confirms the payment in their Capitec banking app with their PIN or biometrics - nothing sensitive is entered on your site.
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You get paid, instantly confirmed
LekkaPay notifies your store in real time and the order completes. Settlement and reconciliation run through the same back office as every other method.
Why Capitec Pay matters for merchants
Capitec has more retail customers than any other South African bank, and Capitec Pay has become one of the ways those customers most like to pay online - approving the payment in an app they already open every day. For some merchants it is now the single biggest payment method at checkout. Offering it means a large share of your customers can pay in a couple of taps, without reaching for a card.
How Capitec Pay fits your method mix
Capitec Pay sits alongside cards and instant EFT as a pay-by-bank option: no card details, real-time confirmation, and a finality that card payments do not have. It runs through our partner Ozow, so switching it on is part of your existing LekkaPay integration rather than a new project - and it pairs naturally with instant EFT to cover bank-preferring customers across the board.
FAQ
Capitec Pay questions, answered.
What is Capitec Pay?
Capitec Pay is a way for Capitec Bank customers to pay online directly from their bank account, approving each payment inside the Capitec banking app rather than typing card or account details. The merchant receives real-time confirmation that the payment succeeded.
How do my customers use Capitec Pay at checkout?
They choose Capitec Pay in your LekkaPay checkout, then approve the payment in their Capitec app using their PIN or biometrics. No card number or banking password is ever entered on your website.
Is Capitec Pay available on LekkaPay?
Yes. Capitec Pay is live on LekkaPay through our partner Ozow, and appears in the same checkout as cards, wallets, instant EFT and other methods - there is no separate integration to build.
Is Capitec Pay safe?
Yes. The customer authenticates inside the Capitec app with the bank's own security, and no card or account details are entered at checkout, which removes the card-fraud surface for these payments entirely.
Do Capitec Pay payments have chargebacks?
There is no card-style chargeback on Capitec Pay, because the customer approves and pushes the payment from their own account. Refunds are handled directly through LekkaPay when you need to return funds.
Method mix
Pairs well with Capitec Pay
Add Capitec Pay to your checkout.
Every way Africa pays, on one integration - add methods without new development.