About
Capitec Pay is an in-app approval checkout for clients of South Africa's Capitec Bank. At an online checkout the shopper enters their cellphone, Capitec account or ID number, and a payment request appears in the Capitec app, where they choose the account or card to pay from and approve it; no card details go to the merchant. It covers one bank only, unlike multi-bank pay-by-bank services, and merchants reach it through payment providers such as Stitch and Ozow. Each payment costs the payer R1 and cannot be cancelled once approved. Capitec reported 26 million active clients and 15 million active app users in the year to February 2026.
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