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I want to make payments

Make electronic payments to your customers in a secure environment where risks are reduced.

Benefits of Making Electronic Payments

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Secure and Controlled:

All payments are processed in a secure environment using an advanced rules engine to reduce fraud and human error.

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Instant and Efficient:

Payments to eWallets occur on a near real-time basis and credits to bank accounts can occur on a Same Day Value basis, ensuring recipients receive their funds quickly.

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Location-agnostic:

Funds can be sent and received anywhere, making it ideal for remote or underserved areas.

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Flexible Disbursement:

Payments can be facilitated for various purposes, such as credit agreement payments regardless of whether the funds need to be processed to an existing bank account or an eWallet.

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Reduced Cash Handling Risks:

Promotes a safer, cashless ecosystem with lower risk of theft or loss.

Make Payments

The Payment Solution capability allows for electronic payments to:

eWallets

Amplifin enables you to create an eWallet account directly from your business environment, allowing you to make instant payments to customers with no delays and traditional banking hurdles. Recipients don’t need to make use of their existing bank account, and funds can be accessed immediately via their mobile phone or a Feza Card.

As an extension of the eWallet solution, the Feza Card offers recipients even more flexibility and convenience. This VISA-branded debit card links directly to the eWallet account, enabling users to:
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Withdraw cash from any ATM nationwide.

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Make secure card purchases at any retail outlet that supports VISA.

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Benefit from low-cost over-the-counter cash withdrawals at selected retail stores.

Whether accessed through a mobile device or Feza Card, the Amplifin eWallet solution makes it easy to disburse payments quickly, securely, and with built-in flexibility that meets the needs of both the sender and the recipient.

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PayShap

Amplifin enables instant PayShap payments, a modern, cost-effective real-time payment method designed for today’s always-on economy. By enabling payments directly to a recipient using their bank account details.

Funds are received within seconds and are immediately available, making PayShap
ideal for quick disbursements. With 24/7 availability, payments can be processed at
any time, including weekends and public holidays, ensuring uninterrupted payment
flows.
PayShap payments are processed securely and in real time, offering full traceability
and confirmation for both sender and recipient. The result is a seamless, reliable
payment experience that gives both sender and recipient confidence, control, and
certainty.

PayShap digital payment successful screen on a mobile device, showing instant clearing and payment to a proxy identifier.

Real-Time Clearing

Amplifin supports Real-Time Clearing (RTC) payments, allowing you to transfer funds directly into a recipient’s South African bank account with near-immediate availability. Unlike standard EFTs, RTC payments are processed in real time, ensuring funds reflect in the recipient’s account within minutes.

RTC payments are particularly suited to time-sensitive credit disbursements where
immediate access to funds is required. The solution offers a secure, bank-to-bank
transfer method with full transaction visibility, reducing delays and eliminating
uncertainty around payment receipt.
With RTC, businesses can offer faster payouts while maintaining the reliability and
traceability of traditional bank account payments.

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EFT Same Day

Payments can be made to any South African Bank account supporting credit payments, and the funds are available on a Same-Day Value basis.

EFT credits to bank accounts enable secure and traceable transfers directly into recipients’ bank accounts, reducing the need for manual processing and minimising delays and errors.

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Make Payments FAQs

What are the different ways I can make payments through Amplifin?

Amplifin supports three credit payment rails for electronic funds transfers (EFT Credits). These allow you to disburse funds not only to any South African bank account but also directly to FNB eWallet accounts, providing a critical lifeline to unbanked or mobile-centric recipients.

  • PayShap: Ideal for immediate, low-cost payments using a bank account number (bank account only, not available to eWallet accounts). Amplifin allows payments to be made to consumer bank accounts up to a maximum of R50,000 (industry profile-dependent).
  • Real-Time Clearing (RTC): Designed for immediate settlement of larger amounts (up to R5 million, industry profile-dependent) during business hours.
  • EFT Same Day Value: The standard solution for non-urgent disbursements where credits are processed on the same business day, provided the payment is initiated before the defined daily cut-off times (Monday-Friday, excluding Public Holidays).

The timing depends on the payment stream chosen. PayShap and RTC payments are processed in near-real-time (within seconds). Same Day Value transfers ensure funds are available on the same day – usually around 7pm, provided the payment is initiated before the defined daily cut-off times.

PayShap is a modern, cost-effective South African payment rail designed for immediate transactions. Through Amplifin, you can use PayShap to pay up to a maximum of R50,000 (industry profile-dependent) directly to a recipient’s bank account instantly, making it an ideal solution for real-time payments.

Yes. Amplifin facilitates payments to FNB eWallet accounts in near-real time. Recipients can withdraw these funds from an FNB ATM by obtaining a temporary ATM PIN via their cellphone or by using an Amplifin-branded Feza Card. You can also choose between “Sponsored” payments (where the business covers the first withdrawal fee) or “Unsponsored” payments.

With a Sponsored FNB eWallet payment, the business pays for the recipient’s first withdrawal at an FNB ATM. With an Unsponsored payment, the withdrawal fee is deducted from the recipient’s balance in advance, meaning the recipient receives the total value less the withdrawal fee. The ATM withdrawal fees are levied at a discounted rate.

Real-time payments (PayShap or RTC) are ideal for:

  • Urgent payouts
  • Customer refunds
  • Loan disbursements
  • Time-sensitive transactions

EFT Same Day credits are better suited for non-urgent, cost-sensitive payments.

Key benefits include:

  • Faster access to funds
  • Reduced cash handling risks
  • Improved security and traceability
  • Nationwide accessibility
  • Better customer experience

No. If a recipient does not have a bank account, businesses can use FNB eWallet payments as an alternative, allowing recipients to withdraw these funds from an FNB ATM by obtaining a temporary ATM PIN via their cellphone or by using an Amplifin-branded Feza Card.

Need help finding the right payment solution?

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