What is the official website of the payment service?
https://www.capitecbank.co.za/capitec-pay
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Where can I find the customer support contacts?
Customer support contacts are listed on the official Capitec Pay website and mobile app under "Contact Us" or "Support" sections
What is the hotline phone number?
0860 10 20 43
Is there a toll-free support number?
Capitec’s hotline is a local South African number; toll-free availability may depend on the caller’s telecom provider
What is the email address for technical support?
Are there separate emails for different types of inquiries?
Most payment services publish different emails for general, technical, and business inquiries to route queries efficiently
Where can I find the online chat support?
Online chat is typically available within the Capitec mobile app and on the official website under support or contact sections
Does the chat support work 24/7?
Most large payment providers offer chat support during extended hours, with 24/7 coverage for urgent matters
Is there support through messengers (Telegram, WhatsApp)?
Capitec offers WhatsApp support via 067 418 9565; Telegram support is not officially listed
What are the support working hours?
Support is generally available 8:00-18:00, Monday to Friday, with limited weekend coverage
Does support work on weekends and holidays?
Most payment services offer support on weekends and public holidays for urgent customer issues
Are there regional offices for in-person visits?
Capitec Bank has multiple branches across South Africa for in-person support
Where are the physical offices located?
Capitec's head office is at 1 Quantum Street, Techno Park, Stellenbosch, 7600; branches are nationwide
Can I schedule a personal meeting?
Clients typically book meetings at branches via online tools, phone, or directly at the branch reception
Are there representatives in different countries?
Capitec Pay operates primarily in South Africa and does not have international representative offices
In which languages is support available?
English is the primary language; other South African languages such as Afrikaans may also be supported depending on staff
How quickly does support respond to requests?
Response times vary by channel; phone and chat often respond within minutes, while email replies can take up to one business day
Is there a priority system for VIP clients?
VIP or premium banking clients may receive expedited service and dedicated support teams
Can I request a callback?
Payment services often allow clients to request a callback via online forms, apps, or phone-based prompts
When was the payment service founded?
Capitec Bank was established in 2001; Capitec Pay launched as a payment solution in 2023
Who is the founder and owner of the service?
Capitec Bank was co-founded by Michiel Le Roux and is publicly traded with institutional and retail shareholders
In which country is the company registered?
South Africa
What is the development history of the payment service?
Capitec Pay was developed to enable digital payments, with major launches in 2023 focused on secure e-commerce and merchant integration
Have there been major updates or rebranding?
Significant updates were released in 2023 to expand payment features; rebranding focused on digital wallets and improved security
Who sits on the company's board of directors?
The board consists of senior executives including CEO Gerrie Fourie; current directors are listed on Capitec’s investor relations page
Are there investors or partners in the service?
Capitec Bank is publicly held, with major investors including institutional funds; partners include South African merchants and payment platforms
Does the company participate in stock trading?
Capitec Bank Ltd is listed on the Johannesburg Stock Exchange under the ticker CPI
What is the company's market capitalization?
Capitec Bank’s market capitalization is approximately R210 billion as of 2025
Are there subsidiary companies or branches?
Capitec Bank operates numerous branches in South Africa and may have supporting subsidiaries for specific financial services
What licenses does the payment service have?
Capitec Bank is licensed as a registered bank by the South African Reserve Bank and complies with local financial regulations
In which jurisdictions does the service operate officially?
Capitec Pay operates officially in South Africa under the relevant financial legislation
Are there licenses for cryptocurrency operations?
Capitec Pay does not currently hold specific cryptocurrency licenses; services focus on fiat transactions
Does the service comply with AML/KYC requirements?
Capitec implements stringent AML/KYC protocols in line with South African financial regulations for all users and transactions
Are there security certificates (PCI DSS, etc.)?
Payment providers commonly maintain PCI DSS certification to ensure card transaction security, as expected for Capitec Pay
Has the service undergone security audits?
Security audits are regularly conducted by banks to confirm compliance with regulatory and security standards
Is there insurance for client funds?
Licensed banks typically provide deposit insurance up to regulated limits, ensuring client money protection in case of insolvency
Which international standards does it comply with?
Compliance includes PCI DSS, ISO 27001 for information security, and other banking standards
Have there been any regulatory fines or violations?
No major publicized regulatory fines or violations have been reported for Capitec Pay to date
Where can I find real reviews about the service?
User reviews are available on Google Play Store, Apple App Store, Hellopeter, and local financial forums
What are the main user complaints?
Users most commonly report issues with transaction delays, authentication processes, or integration with some merchant platforms
What do users most often praise the service for?
Users praise Capitec Pay for ease of use, security features, instant payments, and integration with popular merchants
Are there issues with fund withdrawals?
Occasional withdrawal delays have been reported, usually attributed to bank or merchant processing times
Is the interface convenient according to users?
The interface is frequently described as intuitive and user-friendly, supporting quick and secure transactions
Are clients satisfied with transaction speed?
Capitec Pay is frequently praised for fast transaction processing, especially for local merchant payments
Do users recommend this service?
Recommendation rates for Capitec Pay are very high, as reflected in referral statistics and user forums
How do experts assess the service's reliability?
Experts praise Capitec Pay’s robust infrastructure, compliance, and secure transaction environment
Are there industry awards and recognitions?
Capitec has received multiple awards for innovation, digital banking excellence, and customer experience
Does the service participate in payment system rankings?
Capitec Pay is listed in South African payment service rankings and digital wallet comparisons
Are there recommendations from financial regulators?
Financial regulators recognize Capitec as a compliant and reputable financial institution in South Africa
What reputation does the service have among partners?
Partners rate Capitec Pay highly for reliability, easy integration, and broad customer acceptance
How do they evaluate solution innovation?
Industry publications describe Capitec Pay’s innovations in digital onboarding and instant merchant payments as market leading
Are there quality service certificates?
Banks hold quality certifications such as ISO 9001 and adhere to service delivery standards
Does the company participate in industry conferences?
Capitec Bank frequently participates in South African Fintech and banking conferences, often presenting as industry leaders
How does the service position itself in the market?
Capitec Pay positions itself as a secure, fast, user-centric payment solution for South African consumers and merchants
Which fiat currencies does the service support?
South African Rand (ZAR) is the supported currency for all transactions
Are cryptocurrencies supported? Which ones specifically?
Capitec Pay does not offer cryptocurrency support; all payments use fiat ZAR
Is there a proprietary cryptocurrency or token?
There is no proprietary cryptocurrency or digital token issued by Capitec Pay
Can currencies be converted within the service?
Currency conversion services are not currently offered; all transactions are processed in ZAR
What exchange rates are used for conversion?
Not applicable, as the service does not support foreign currency or crypto conversions
How often are exchange rates updated?
Not applicable for Capitec Pay, with ZAR-only payment processing
Are stablecoins supported?
Stablecoins are not supported by Capitec Pay at this time
Can exotic currencies be handled?
Exotic or minor currencies are not supported; only South African Rand is accepted
Are there currency restrictions in different countries?
Capitec Pay is designed for South Africa and supports only ZAR, with geographic restrictions in place abroad
What types of transfers does the service support?
Supported transfers include merchant payments, P2P transfers, and bill payments via the Capitec Pay system
Can transfers be made between service users?
Peer-to-peer transfers are supported through Capitec Pay, allowing instant movement of funds between accounts
Are transfers to bank cards supported?
Transfers to bank cards are available, typically for Capitec Bank cardholders
Can money be transferred to bank accounts?
Money transfers to South African bank accounts are supported via Capitec Pay
Is bill payment available?
Bill payments are possible, with a wide array of supported billers in the service
Are recurring payments supported?
Recurring payment options are supported; users can schedule regular payments or debit orders
Can automatic transfers be set up?
Automatic transfer scheduling is provided for account holders, especially for recurring bills or payments
Is payment scheduling available?
Payment scheduling tools allow users to plan future payments within the platform
Are group payments supported?
Group payment splitting is not a default feature but can be managed manually among users
Can payment links be created?
Capitec Pay enables users and merchants to generate payment links for business and retail use
What are the minimum transaction amounts in the service?
Minimum transaction limits are set in accordance with banking standards, typically around R1
What are the maximum amounts that can be transferred?
Maximum limits depend on user verification but may reach up to R100,000 per transaction
Are there daily limits on operations?
Daily transaction limits apply and are set according to AML protocols and user account status
What monthly and annual limits are in effect?
Monthly and annual caps vary by account type and verification level, typically aligned with regulatory requirements
Can limits be increased? How?
Limits can be increased by submitting additional verification documentation and requesting upgrades via the bank
Do limits differ for verified users?
Verified users benefit from higher transaction limits and account flexibility
Are there restrictions for new accounts?
New accounts have lower transaction and withdrawal limits until properly verified
Do special limits apply in different countries?
The service operates only in South Africa; no alternate country limits apply
Can operations be temporarily blocked?
Operations may be temporarily blocked due to security concerns, compliance reviews, or suspicious activities
Are there limits on the number of daily operations?
Number of daily transactions is monitored and may be limited to detect suspicious or excessive activity
What are the minimum amounts for account funding?
Minimum account funding typically starts at R1; higher minimums may apply for specific methods
What methods of funding are supported?
Supported funding methods include EFT (electronic funds transfer), cash deposits at branches, and bank card deposits
Are there fees for funding?
Standard funding methods are typically free, but card deposits may incur minor processing fees
What are the minimum funding amounts?
Minimum funding requirements vary by method but are generally low to facilitate access
How quickly are funds credited when funding?
EFTs and branch deposits are typically credited within minutes to several hours, depending on method and bank
How can money be withdrawn from the system?
Withdrawals are processed via ATM, branch, or transfer to other South African bank accounts
Are there fees for fund withdrawal?
Withdrawal fees apply for ATM and branch cash withdrawals; electronic transfers are usually less costly
How long does withdrawal take?
Withdrawals via ATM or branch are instant; bank transfers may take 1-2 business days
What withdrawal limits are set?
Limits depend on account level and verification, with daily ATM withdrawal caps typically around R5,000
How quickly are funds credited when funding with a card?
Card funding is usually instant or completed within a few minutes
How long does a bank transfer take?
Bank transfer processing takes 1-2 business days based on the destination and interbank schedules
How quickly do cryptocurrency transfers arrive?
Capitec Pay does not support cryptocurrency transactions
Are transfers between users instant?
Transfers between Capitec account holders are processed instantly
Are there delays when funding on weekends?
Some funding methods, such as branch deposits, may experience delays on weekends
Do holidays affect funding speed?
Banking holidays can delay processing for physical deposits and interbank transfers
Can crediting be accelerated for a fee?
Express deposit or crediting services may be offered for a fee depending on the method
What determines the speed of funding processing?
Funding speed is affected by method, banking hours, regulatory checks, and potential fraud screening
Are there notifications about funding status?
Users receive real-time notifications about funding and transaction status via app and SMS
What to do if funding takes too long?
Contact customer support with proof of deposit and transaction details to investigate funding delays
How quickly are withdrawal requests processed?
Withdrawal requests are typically processed instantly for ATMs and in 1-2 days for bank transfers
How long does card withdrawal take?
Card withdrawal at ATMs is instant, while other card-related transfers align with normal banking timeframes
How quickly do bank transfers arrive?
Bank transfers take 1-2 business days, depending on the receiving bank’s schedule
Are cryptocurrency withdrawals instant?
Cryptocurrency withdrawals are not supported by Capitec Pay
Are there withdrawal delays on weekends?
Withdrawal requests may experience delays if initiated on weekends due to banking schedules
Do holidays affect withdrawal speed?
Public holidays result in deferred withdrawal processing until the next business day
Can withdrawal be accelerated for an additional fee?
Express withdrawal services may be available for a fee, depending on method and banking arrangements
What determines withdrawal processing time?
Method, verification status, regulatory requirements, and bank processing schedules all influence withdrawal speed
Are there notifications about withdrawal status?
Withdrawal notifications are sent via mobile app, SMS, or email, depending on user preference
Can a withdrawal request be canceled?
Withdrawal cancellation is allowed before processing; users must contact support promptly
How to register with the payment service?
Registration is completed online or via the Capitec mobile app, with basic personal information required
What data is needed to create an account?
Required data includes full name, South African ID, phone number, and potentially address information
Can registration be done without email?
Registration may be possible using only a phone number, but email is recommended for notifications
Is phone confirmation required during registration?
Phone confirmation via SMS code is a standard step during account setup for security
Can a corporate account be created?
Capitec offers business accounts; corporate registration requires company documentation and verification
Is it required to provide real data?
Verified real personal or organizational data is mandatory per AML/KYC requirements
Are there country restrictions for registration?
Registration is limited to South African residents with valid local identification
How long does account activation take?
Activation is generally immediate upon successful registration and verification
What verification levels exist?
Multiple verification levels exist, starting from basic to fully verified, with increasing transaction limits and features
What documents are required for basic verification?
South African ID and proof of address are standard for basic verification
Are documents needed for full verification?
Full verification requires additional documents like income proof, bank statements, and sometimes a photo
Are digital copies of documents accepted?
Digital copies and scans are accepted through secure upload or mobile app for verification
How long does the verification procedure take?
Verification can take from a few minutes to several business days, depending on documentation and review process
Can the service be used without verification?
Unverified accounts have limited access, lower transaction limits, and reduced functionality
What restrictions apply to unverified users?
Restrictions include capped transactions, inability to withdraw, and limited service access
Is address confirmation required?
Address confirmation is required for full activation and higher limit access
Is a selfie with documents required?
Banks increasingly require a selfie with documents for identity verification and fraud prevention
How often do documents need to be updated?
Document refresh is required upon expiry or significant profile changes; regular requests may be made for compliance
What encryption technologies does the service use?
Capitec uses advanced encryption such as SSL/TLS for web and mobile data security
Is two-factor authentication supported?
Two-factor authentication is supported via SMS codes and biometric verification
Are there SMS confirmations for operations?
SMS confirmations are standard for payment authorization and account changes
Is biometric authentication supported?
Biometric authentication is available in the Capitec mobile app for login and transaction approvals
Is blockchain technology used?
Capitec Pay does not currently utilize blockchain technology
Is there a multi-level security system?
Security includes multi-factor authentication, encryption, fraud detection, and regular monitoring
How is user personal data protected?
Personal data is protected using encryption, secured databases, access controls, and compliance with local privacy laws
Is cold storage used for cryptocurrencies?
Cold storage practices are not relevant as Capitec Pay does not handle cryptocurrencies
Is there DDoS attack protection?
Payment services deploy DDoS mitigation systems and cloud-based firewalls to protect infrastructure
Are regular security audits conducted?
Regular security audits are performed internally and externally to maintain compliance and security standards
What anti-phishing protection measures are provided?
Capitec educates users, uses secure URLs, email verification, and real-time alerts for phishing protection
Is there a suspicious activity detection system?
Fraud monitoring systems scan for suspicious activities using analytics and behavior-based algorithms
How does the service combat money laundering?
AML procedures include transaction monitoring, user verification, and reporting suspected activities to authorities
Is there blocking of suspicious accounts?
Suspicious accounts are promptly reviewed and blocked if fraudulent or money-laundering activities are detected
What to do when fraud is detected?
Immediately report the fraud to customer support and freeze accounts if possible; follow up with relevant authorities
How to report suspicious activity?
Reporting can be done via online forms, phone, email, or in-branch visits to customer support
Is there compensation for damage from fraudsters?
Compensation is reviewed case-by-case; client protection is offered where negligence by the bank did not occur
What user rights exist for disputed transactions?
Users can dispute transactions via formal complaints to the bank, which investigates and resolves per service terms
How to dispute account blocking?
Account blocking is disputed by contacting support, submitting documentation, and following formal procedures
Is there insurance against cyber attacks?
Banks usually have insurance coverage for cyber incidents safeguard against losses due to breaches
What fees does the service charge for transfers?
Transfer fees vary by type and method; typical EFTs are low-cost, and ATM cash-out fees are fixed per withdrawal
Are there fees for account funding?
Most funding methods are free; card or cash deposits may incur nominal fees depending on method and amount
Are fees charged for fund withdrawal?
ATM withdrawals and interbank transfers incur fees; the fee schedule is published on the official website
Are there fees for currency conversion?
Currency conversion is not available, so no such fees are charged
Are there fees for account inactivity?
Account inactivity fees typically do not apply, but fees may be imposed for dormant accounts after extensive periods
Are there account maintenance fees?
Capitec’s transactional accounts are generally low-fee or fee-free; maintenance costs for special accounts are published
Are fees charged for operation cancellation?
Cancellation fees are not standard but may apply for certain pending transactions
Are there fees for expedited operations?
Expedited transfers or express processing may incur special fees when offered
Are there hidden fees?
Capitec discloses its fee schedule transparently on its website, with no hidden charges
How are fees calculated for large amounts?
Large transaction fees are calculated on a sliding scale, with capped amounts per transaction and published rates
Are there different tariff plans in the service?
Tariff plans exist for business, personal, and premium accounts, each with unique features and pricing
What advantages does VIP status provide?
VIP clients enjoy higher limits, priority support, special offers, and exclusive financial services
How to get preferential conditions?
Preferential terms are offered to clients who meet income, activity, or deposit thresholds set by the bank
Are there free operations per month?
Free transactions are provided within bundled account packages; additional transactions may be charged
Are there discounts for active users?
Loyalty programs and activity-based discounts may be available depending on client status
Are there corporate tariffs?
Corporate and business accounts receive tailor-made tariffs including bulk payment, payroll, and merchant services
Can individual conditions be obtained?
Custom pricing is available for qualifying clients and businesses with negotiated terms
Do promotional codes work for fee reduction?
Promotional codes and campaigns occasionally reduce fees for targeted user segments
Are there cashback programs?
Cashback is available for selected card payments and merchant partnerships
Are there discounts for transaction volumes?
Volume-based discounts are offered to business clients exceeding certain transaction thresholds
Is there an official mobile application?
Yes, Capitec Bank’s official mobile app includes Capitec Pay functionality
On which platforms is the application available?
The mobile application is available on iOS and Android platforms
What functions are available in the mobile application?
App functions include payment initiation, transfers, bill pay, balance checking, authentication, and support
Does functionality differ from the web version?
Mobile app offers similar functionality to the web platform, optimized for mobile access and security
Is Touch ID/Face ID supported?
Touch ID and Face ID are supported on compatible devices
Can the application work offline?
The application requires Internet connectivity for transactional operations and account management
Are there push notifications about operations?
Push notifications for transactions, status updates, and alerts are enabled within the app
Is dark theme supported?
Dark mode is supported on the Capitec app for Android and iOS devices
How often is the mobile application updated?
The app is updated several times per year to provide new features, bug fixes, and security improvements
Are there beta versions of the application?
Beta testing programs may be available for selected groups by invitation or application
Is the web interface of the service convenient?
Capitec’s web interface is designed for convenience and accessibility for all major payment features
Is responsive design supported?
Responsive design enables smooth use on mobile, tablet, and desktop devices
In which languages is the interface available?
English is the primary language; additional South African languages may be supported depending on channel
Is there a night mode for the website?
A dark mode or night theme option may be available for the web interface
Are hotkeys supported?
Certain keyboard shortcuts are supported on the web platform for frequent operations
Can data be exported?
Transactional data and statements can be exported in CSV, PDF, or other standard formats from the platform
Is there an API for developers?
Capitec offers APIs for merchant integration and payment services; documentation is available on request
Is integration with other services supported?
Integration is supported with South African e-commerce platforms and merchant payment gateways
How often is the web interface updated?
Web platform updates are released as needed for functionality and regulatory compliance, typically several times yearly
Are there virtual cards in the service?
Virtual card creation for secure online payments is available in the Capitec app
Can disposable cards be created?
Disposable or temporary virtual cards for single-use transactions may be offered for secure payments
Is multi-currency account functionality supported?
Only ZAR is supported; multi-currency features are not available
Are there investment products?
Capitec Bank offers investment savings products; Capitec Pay does not provide advanced investment features
Can interest be earned on balance?
Interest is earned on savings account balances; transactional account balances may not earn interest
Are there credit products?
Credit products are offered by Capitec Bank, including loans, credit cards, and overdraft facilities
Is P2P trading supported?
P2P trading is not a supported feature in Capitec Pay
Can cryptocurrencies be bought/sold?
Buying and selling cryptocurrencies is not available within Capitec Pay
Is there acquiring for business?
Merchant acquiring and payment acceptance are available for registered business clients
Are mass payouts supported?
Mass payout functionality for payroll and bulk payment is available to business and enterprise clients
Is there a loyalty program in the service?
Loyalty programs may be available for cardholders and high-activity users
How are bonus points earned?
Bonus points, when offered, are typically earned through usage, spending, or promotional campaigns
Is there cashback for operations?
Cashback is provided for qualifying payment transactions and selected merchant partners
Are there referral programs?
Referral programs reward users who introduce new clients to the platform
What privileges do VIP clients have?
VIP clients receive higher limits, personalized support, exclusive offers, and involvement in premium programs
Are there seasonal promotions and offers?
Seasonal and limited-time promotions are run for fee reductions, cashback, or merchant-specific deals
Can premium status be obtained?
Premium account upgrades can be requested by meeting predefined criteria or through invitation
Are there partner discounts?
Partner merchants provide special discounts for Capitec Pay users during certain campaigns
Are there corporate loyalty programs?
Business clients may benefit from tailored loyalty and reward schemes
Does the service allow operations with online casinos?
Payments to licensed casinos may be permitted if within South African law and Capitec’s policies
Are there restrictions on gambling transactions?
Gambling transactions are monitored and subject to regulatory checks and potential restrictions
Can accounts be blocked for casino play?
Accounts may be blocked if gambling activity contravenes service policy or regulatory standards
How does the service view gambling?
Capitec Pay adopts a compliant approach, adhering to legal requirements and monitoring risk for gambling payments
Are there special conditions for gambling?
Transactions with online casinos may require verification and approval depending on amount and account profile
Are casino transactions tracked?
Transactions are tracked for compliance; gambling payments are reported as required by regulations
Can operations with gambling sites be hidden?
All gambling transactions are recorded and visible on account statements for transparency
Are there notifications about gambling expenses?
Notifications or alerts may be sent regarding gambling payments and spending trends
Are there special fees for gambling operations?
Special fees may apply depending on merchant, amount, or risk classification
Can limits be set on gambling?
Spending limits for gambling can be set by users or are imposed per regulatory guidelines
Is there a self-exclusion function?
Self-exclusion is supported as a responsible gambling measure for at-risk users
Can access to gambling sites be restricted?
Payment services may restrict transactions to unlicensed or high-risk gambling sites as per policy
Is gambling expense control supported?
Expense control tools are offered to help users manage and limit gambling expenditures
Are there notifications about limit exceedance?
Alerts are sent if users exceed pre-set gambling limits
Can operations with casinos be blocked?
Payments to specific casinos can be blocked based on user initiative or service policy
Is there gambling expense statistics?
Expense analytics for gambling transactions may be available in the customer dashboard
Is a "cooling-off period" supported?
Cooling-off features for gambling transactions are supported to promote responsible usage
Can help be obtained for gambling addiction?
Help resources and helpline contacts are provided within app and on the website
Is there partnership with player assistance organizations?
Payment services often collaborate with gambling addiction support organizations and hotlines
How to set up gambling expense notifications?
Notifications are configured in account settings or by contacting customer support
Which online casinos accept this payment method?
South African licensed casinos and betting platforms that accept Capitec EFT or card payments
Are there exclusive partnerships with specific casinos?
Exclusive casino partnerships are not widely publicized; acceptance depends on merchant approval
Do conditions differ when used in different casinos?
Payment conditions may vary by casino, merchant agreements, and transaction limits
Are there special bonuses for using this method in casinos?
Some casinos offer bonuses for payment through Capitec, subject to periodic promotional offers
Can the method be used for both deposits and withdrawals in casinos?
EFTs and Capitec cards may be used for deposits; withdrawals depend on merchant arrangements
Are there geographic restrictions for casino usage?
Use is restricted to South Africa, in accordance with local laws and Capitec’s acceptance policy
How do casino operators typically process transactions from this method?
Transactions are processed via regular EFT or card networks with standard timelines and verification
Are there typical processing times when used with casinos?
Casino deposits via Capitec Pay are generally instant; withdrawals may take 1-2 business days
Do casinos usually charge additional fees for this method?
Fees may be charged by some casinos for card or EFT transactions as per their policy
Are there any known compatibility issues with major casino platforms?
Capitec Pay is widely compatible with licensed South African casino sites, with rare technical issues reported