South Africa Payment API

Before reading this API document, please make sure to check API Description Guide first.

Transaction Limits

Transaction Type	Limit
Collection	ZAR: 2.00-150000.00
Disbursement	ZAR: 100.00-50000.00

Amount Decimal Places: ZAR — 2 decimal places

Collection API

South Africa collection uses Pay with Bank (Instant EFT). The returned payUrl redirects the user to the selected bank’s page.
The user logs in on the bank page and authorizes the payment (Instant EFT).
After authorization, the user is redirected to callBackUrl, and the final result is delivered via notifyUrl callback.

Collection Application

Brief Description:

Create a collection order

URL: /zar/collect/apply Parameters:

Parameter Name	Required	Type	Description
appId	Yes	Long	Business ID (obtained from backend, needs to pass the corresponding Business ID based on the currency in the URL)
orderId	Yes	String	Merchant order number (must be unique, length no more than 48)
name	Yes	String	Payer name
phone	Yes	String	Payer mobile number
email	Yes	String	Payer email address
amount	Yes	String	Transaction amount, up to 2 decimal places. Range: 2.00-150,000.00
payType	Yes	String	Payment method type, fixed value: BANK_TRANSFER
inBankCode	Yes	String	Payment Method Code
callBackUrl	Yes	String	Redirect URL after successful payment
callBackFailUrl	Yes	String	Redirect URL after failed payment
notifyUrl	No	String	Callback URL
subject	Yes	String	Payment remark
body	No	String	Remark details
partnerUserId	Yes	String	Unique user identifier (e.g., userId), used for risk control system, must be valid, otherwise it will affect the transaction. Format: digits, letters, or symbols -~!@#$%&*()_.
sign	Yes	String	Signature

request

{
    "appId": 1054,
    "orderId": "M233323000059",
    "amount": "300",
    "phone": "27821234567",
    "email": "johndoe@example.com",
    "name": "john doe",
    "inBankCode": "250655",
    "payType": "BANK_TRANSFER",
    "callBackUrl": "https://merchant.com/payment/success",
    "callBackFailUrl": "https://merchant.com/payment/fail",
    "partnerUserId": "149597870",
    "sign": "af0gAHkUOyYHu9owQp8NJ4mPEeUW4vuJcjdxqLIzrVw8AvpLSjD1DXupReSG/CyuSkFRyiIvCp5u703AuGGmfgD2gKDH3Ywau41bAbG2jnHJ8mtjiSJ5iWUzanyd4Kr7d1+rETbzUl7/BkW3t0X8UUFdqpxwG8DPUjAwUKfplWDHV7koG51Ozexd80DCsmW6eWdouAZ1uNXGLYmV3ftE3BmfNRtuv1C5bfTJWrTEIOxbF6g2uYOFZTlIgrQgd7/2PsAYwQQXNz8Q8CYl4OxqCv4pXJxaLWPbR5tqZu9og5kn32C9aHW/NlU1y39vzz+4ef81yPAqUV9oHlSMSPrMmw=="
}

response

{
    "status": "1",
    "error": "00000000",
    "msg": "",
    "data": {
        "orderId": "M233323000059",
        "orderNo": "6023071013539074",
        "payUrl": "https://pay.haipay.asia/cashier/1L9zQS2",
        "sign": "YEoA8Y2JzQFGVzwJSqmemm1Kfv/bfyIfCqv2dp7RNzT5B72AQvdD+nt2nR4sL1HWscvmNHyVt5ovAi7MMhy3ziih/sMph+wPx4YjH3W1h5DyBvSlWvaKfKrK5ViomZ0pPYWydwRHnnRnicxToHK9S6qtSy7Q73O0hdz4hJ9p41Th3ycBl2Q9SeqSZYSY1ohcPDhdyRf2y0prb8rHgpBKzxZ5BKX/1bsE9OmsSEHAEYT8OGgko6aNe8XPAhr4G48cpWTftvnGQuzh0O65nuZRI/PF+Axt2zJCVbFHDDSREI9NlAT82ebDqhlVdxQzKE67D1nxgjb3dPmDUYHOBpmwxQ=="
    }
}

Response data field description

Parameter Name	Type	Description
orderId	String	Merchant order number (must be unique)
orderNo	String	Platform order number
payUrl	String	Payment link (redirects to the bank page to complete Instant EFT)
sign	String	Signature

Collection Query

Brief Description:

Query collection order

URL: /zar/collect/query Parameters:

Parameter Name	Required	Type	Description
appId	Yes	Long	Business ID (obtained from backend, needs to pass the corresponding Business ID based on the currency in the URL)
orderId	Yes	String	Merchant order number
orderNo	No	String	Platform order number (faster response)
sign	Yes	String	Signature

request

{
    "appId": 1054,
    "orderId": "M22222000028",
    "sign": "EmyJGm3ELzG4FsOd0Krs9ncbSjo4oTGuXWML+7djYla3+VAwd9wS17z38p/7U2ZAjroO04XrE7YXcB1o76Dtyipj3h3bJzs7FYma1QNkMUdt9hh7m8U6hMsMQX7vIWHtXNwz4pbTSC75+kQWXaCew7KoE6LXECdJU8AISgNgeki2TK9R0pCfshr0Z2SZBPeuT6OvIH5LdmqgdZhuqnffGU2qnXk4KMkO848e6/WALLBR+LE1wyKHfPnYVcuKSMVYxkvKyyIL5JIPEgW0o5bh4RCbaUn3NZtyYwrU1uQ3ZDFRThm9j6XAQP+LBlmq3nOePqBtp/VDVarRaV+7FbQg3A=="
}

response

{
    "status": "1",
    "error": "00000000",
    "msg": "",
    "data": {
        "orderId": "M22222000028",
        "orderNo": "6023042811314347",
        "amount": "50000.00",
        "actualAmount": "0.00",
        "fee": "0.00",
        "status": 1,
        "sign": "fP433ygWVDLVGxYkVnIJj7riGq0U3vyVX+MbBAImxfGLZkZcEAHVEoVYuULZSmXAAXKRSyd67WlDNm+24pougM54ofAoH4HMtCL2tfCoBReFyz3z02AGKkrKE2xWhSpWoqfQoBvzwuN5iGMMu0s9Q1YvqiwJ8WDVIENnmiIyD8qDJN7caHTW2US14/faG+9AvnuIgJ/nu7/jogOlgEYdZdVYU7gcRDE+d47KjlFGswQkJ/h/uzV7cWtUqrtOO7ZnZ3/z33Xx8awokX36QoYcPSWAU0h+Ij9O9402HNhm1eTbYcLU0uI/z8xCAtyAI/tTyiFijpiNlxUKQj+zKILw=="
    }
}

Response data field description

Parameter Name	Type	Description
orderId	String	Merchant order number (must be unique)
orderNo	String	Platform order number
amount	String	Transaction amount
actualAmount	String	Received amount
fee	String	Transaction fee
status	Integer	Status (0 Not Started, 1 In Progress, 2 Success (final), 3 Failed (final), -1 Exception Pending Confirmation)
payTime	String	Payment success time (when status=2), format: yyyy-MM-dd HH:mm:ss (South Africa Standard Time)
errorMsg	String	Failure reason (when status=3)
sign	String	Signature

Payment Methods

Currency	Payment Type (payType)	Payment Code (inBankCode)	Limit	Status	Description
ZAR	BANK_TRANSFER	Standard Bank	2.00-150000.00	Available	Standard Bank
ZAR	BANK_TRANSFER	Nedbank	2.00-150000.00	Available	Nedbank
ZAR	BANK_TRANSFER	FNB	2.00-150000.00	Available	FNB
ZAR	BANK_TRANSFER	African Bank	2.00-150000.00	Available	African Bank
ZAR	BANK_TRANSFER	Bidvest Bank	2.00-150000.00	Available	Bidvest Bank
ZAR	BANK_TRANSFER	Investec	2.00-150000.00	Available	Investec
ZAR	BANK_TRANSFER	ABSA	2.00-150000.00	Available	ABSA
ZAR	BANK_TRANSFER	TymeBank	2.00-150000.00	Available	TymeBank

Disbursement API

Disbursement Apply

Description:

Create a Disbursement order

URL: /zar/pay/apply Parameters:

Parameter	Required	Type	Description
appId	Yes	Long	Business ID (obtained from backend, must match the currency in the URL)
orderId	Yes	String	Merchant order ID (must be unique, length ≤ 48)
amount	Yes	String	Transaction amount, up to 2 decimal places. Range: 100.00-50,000.00
accountType	Yes	String	Account type: BANK_ACCOUNT
bankCode	Yes	String	Bank code
accountNo	Yes	String	User bank account number
name	Yes	String	Recipient name (Format: English characters only, 1–30 characters. Format: “firstName middleName lastName”(middleName is optional and does not support special characters or numbers.))
phone	Yes	String	Real phone number
email	Yes	String	Real email address
notifyUrl	No	String	Callback URL
subject	No	String	Payment note (transaction title, product name, payment reason)
body	No	String	Detailed note
partnerUserId	Yes	String	User unique identifier (e.g., userId). Used by risk control, must be valid. Format: numbers, letters, or common symbols -~!@#$%&*()_.
sign	Yes	String	Signature

request（when accountType is BANK_ACCOUNT）

{
    "appId": 1054,
    "orderId": "M100000450012",
    "amount": "500",
    "accountType": "BANK_ACCOUNT",
    "bankCode": "051001",
    "accountNo": "1234567890",
    "name": "john doe",
    "phone": "27821234567",
    "email": "johndoe@example.com",
    "subject": "iphone13",
    "body": "ProMotion technology with adaptive refresh rates up to 120Hz",
    "partnerUserId": "149597870",
    "sign": "I1PeK3eJOVsFFNowxVRqMXpeWm1lr/BcRpBi8WsW4wVo1+5CC3JsrFq/m/L2O69NzKHvtDWi4zia3DL3dPut0yMyUyqL91LNCSaeISbGsQPlhEsQpyTOryS/RKOfsrn2Xo37SCF/phAvndOk2jwwGwqM5xLz1ms9Ukl85wv27QFNrXIMxK2p18oe7MpMYrgf+xvEBE/VqCtKMtN9pO449wWwXzHWNPbZ76s4pAvKwRE9yXQDr7Iw14Dktcnl1FoLM4gWM/obkO+mz6SyAGDuXhVh/+OD/IGNiCyTCNq6ciQY28UnCFV6ZIP40gxsFhfBJKbK+Raw7y1Bh912ifYfug=="
}

response

{
    "status": "1",
    "error": "00000000",
    "msg": "",
    "data": {
    "orderId": "M100000450013",
    "orderNo": "3023062014149637",
    "sign": "LmhUnkw5j0pMiimsG8rKwdNNZGvXH5MpSmD6mdHZwq1SQwuK5BohmdEoqKB/jkMk28o3da4Cxh6Q+tW97+yTCemRrF+dMaHA73rpOeUuujKQl/UcFvJuMhfLBa2tp09L71NzoBqpPD6aXf37mYAz8E1HmERwFPpac5FVxIYanHG8cqmMLJYsVmHTSxWavgWU03ys9UczBePkBiR8sl2FSOhFABB0wAP28lswrV/ABS68IsLKtyd1fyI3GBfSbIK5nDEEnlE+EdElFdLs9taAxJImeVF1x4eT47+bkPJ2qS8z3K8QGzKLF3W+8SiRZGfSwDTsLKH+2Vycvy5auRl+ag=="
}
}

Return data Parameter Description

Parameter	Required	Type	Description
orderId	Yes	String	Merchant order ID (must be unique)
orderNo	Yes	String	Platform order ID
sign	Yes	String	Signature

Disbursement Query

Description:

Query a Disbursement order

URL: /zar/pay/query Parameters:

Parameter	Required	Type	Description
appId	Yes	Long	Business ID (obtained from backend, must match the currency in the URL)
orderId	Yes	String	Merchant order ID
orderNo	No	String	Platform order ID (faster response)
sign	Yes	String	Signature

request

{
    "appId": 1000,
    "orderId": "M1234567111",
    "orderNo": "3022111516571436",
    "sign": "ZxkVZL+GAyv0VhvWn4IvuYahTzxgQuthkuV2ONWiqIfIDb2avvHlFOUJVzqZi1q8CPHXZm1ltanRTRVTxfsuftLvGeDioUHglWt46/RU6c1OPznpLGsZ35Q3n5tW2y1EnOsxPynXBFLuDQy+aZ3l9u6AQ30T0zQexMGT+IxuFkmUp02g/6juaHa5ZgNMv7lN67ixIp162wrM7OJuaOif872QijSceRdZhzaMGImAwB0D4MosRV4WMBOKkwgPdmS7GuZN66YUidXk3wTGqX3MYRw6M0kj4eNegSUwPXvp4q4p0KO8Y3xUMld54GY2ApX3WN3CBtC/vpJqEszjGBbbGg=="
}

response — Order Failed

{
    "status": "1",
    "error": "00000000",
    "msg": "",
    "data": {
    "orderId": "M1234567111",
    "orderNo": "3022111516571436",
    "amount": "100000.00",
    "fee": "0.00",
    "status": 3,
    "errorMsg": "error",
    "sign": "KKuvCl0SuNANJs+l2ogDaJm8pmV+Hi+Xa7q27vJ6D1Ehs4aOp13kRbITfJAhczh3T81BE9qwHeJaYwf+r0EypKM9TL6pMwfG8Az4gRy1D57wiUaVjl2PWcvbEqrn1hL0b+btkjvAM9I+CcSv+wuOW3/uku17Ws3FhgJLj9sFsQUBAPjDO+758VnwBytCOLBmljLBXyKgNgpmFQ1/DNkqWl0UNzyLK45Zw3yf5NiwhEFbvW0jlOWlfu/ql4hluISUQG573jEoFCBEnQLb2tQoRZj1QYNRCXPf5lbej0vzqbEwvR9h+ZOf255t1MocJkdIe463DTV5U3KZdVT87HMagw=="
}
}

response — Order Successful

{
    "status": "1",
    "error": "00000000",
    "msg": "",
    "data": {
    "orderId": "M1234567112",
    "orderNo": "3022111517401574",
    "amount": "100000.00",
    "fee": "1003.00",
    "status": 2,
    "payTime": "2024-03-01 23:59:59",
    "sign": "khPtOmGq+cpKX0HFAI/lbP0dx4oVyNAnL5oLsdmhDJdASlQm0yg5I3o+MhImYggEsL6c2bo5fP29t54OZFqSdQDfIuNDvGbAMAr4mRBxc0hoHLkBLyyagfVPBLyQA1JY8XV3ZL4ySzQ3ZQnMCfrh2K39ueUuz6HpZ03Hj0KYijVRCXAZaio/L5jfLBT12QXmvIfAHa8s/k9flhK05ENHPep3zjj/MZGOEaX7jkEJLfjK0duypDCa61BRQjM+oePOdVsgleIl1Yf98UAxMDZ/A3912KFHEb+/jvmdnulNbiJFyuT1fEe+j2teUgw3vFsZAtwNWAgxhC7UO+N0Q5z4EA=="
}
}

Return data Parameter Description

Parameter	Type	Description
orderId	String	Merchant order ID (must be unique)
orderNo	String	Platform order ID
amount	String	Transaction amount
fee	String	Fee
status	Integer	Order status (0 Not Started, 1 Processing, 2 Disbursement Success (final), 3 Disbursement Failed (final), -1 Exception Pending Confirmation)
payTime	String	Payment success time (present when status=2) (South Africa Standard Time), format: yyyy-MM-dd HH:mm:ss
errorMsg	String	Payment failure reason (present when status=3)
sign	String	Signature

Payment Methods

BANK CODE

Currency	Payment Type (accountType)	Payment Code (bankCode)	Limit	Status	Description
ZAR	BANK_ACCOUNT	Standard Bank	100.00-50000.00	Available	Standard Bank
ZAR	BANK_ACCOUNT	Nedbank	100.00-50000.00	Available	Nedbank
ZAR	BANK_ACCOUNT	FNB	100.00-50000.00	Available	FNB
ZAR	BANK_ACCOUNT	RMB	100.00-50000.00	Available	RMB
ZAR	BANK_ACCOUNT	CitiBank	100.00-50000.00	Available	CitiBank
ZAR	BANK_ACCOUNT	Access Bank	100.00-50000.00	Available	Access Bank
ZAR	BANK_ACCOUNT	African Bank	100.00-50000.00	Available	African Bank
ZAR	BANK_ACCOUNT	Ubank Limited	100.00-50000.00	Available	Ubank Limited
ZAR	BANK_ACCOUNT	Bidvest Bank	100.00-50000.00	Available	Bidvest Bank
ZAR	BANK_ACCOUNT	Old Mutual Bank	100.00-50000.00	Available	Old Mutual Bank
ZAR	BANK_ACCOUNT	Capitec Bank	100.00-50000.00	Available	Capitec Bank
ZAR	BANK_ACCOUNT	Investec	100.00-50000.00	Available	Investec
ZAR	BANK_ACCOUNT	HSBC Bank	100.00-50000.00	Available	HSBC Bank
ZAR	BANK_ACCOUNT	ABSA	100.00-50000.00	Available	ABSA
ZAR	BANK_ACCOUNT	TymeBank	100.00-50000.00	Available	TymeBank
ZAR	BANK_ACCOUNT	Discovery Bank	100.00-50000.00	Available	Discovery Bank
ZAR	BANK_ACCOUNT	Sasfin Bank	100.00-50000.00	Available	Sasfin Bank
ZAR	BANK_ACCOUNT	Standard Chartered Bank	100.00-50000.00	Available	Standard Chartered Bank
ZAR	BANK_ACCOUNT	Albaraka Bank	100.00-50000.00	Available	Albaraka Bank
ZAR	BANK_ACCOUNT	Bank Zero	100.00-50000.00	Available	Bank Zero

Quick start

Merchant Guide

Common Payment

Global Payment

Unified API

End To End Testing

Appendix

Merchant FAQ

South Africa Payment API

Transaction Limits

Collection API

Collection Application

Collection Query

Payment Methods

Disbursement API

Disbursement Apply

Disbursement Query

Payment Methods

​Transaction Limits

​Collection API

​Collection Application

​Collection Query

​Payment Methods

​Disbursement API

​Disbursement Apply

​Disbursement Query

​Payment Methods

​Related Topics

Transaction Limits

Collection API

Collection Application

Collection Query

Payment Methods

Disbursement API

Disbursement Apply

Disbursement Query

Payment Methods

Related Topics