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South Africa

Learn about the dLocal supported payment methods in South Africa.

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Market specifications

Take a look of all the payment methods available.

Country reference Cards supported APM supported

Cards


Find all the information about the card supported capabilities.

Capabilities Process Card Payments

Alternative Payments

Learn how to integrate cash, bank transfer or wallet payment.

Bank Transfer Payflex Mobicred

Market specifications

Do you want to know more information about South Africa's market? Go to the South Africa’s economy and eCommerce market article.

Country reference

country codecurrency codeamount decimalsdocument namedocument formatdocument required?
ZAZAR2South African Identity Card13 digits with full validationYes

Cards supported

payment_method_idBrand IDNamepayment_method_typeDetailsAllowed FlowsLogo
CARDVIVisaCARDCredit Card ​DIRECT REDIRECT
CARDMCMastercardCARDCredit Card ​DIRECT REDIRECT
CARDVDVisa Debit ​CARDDebit Card ​DIRECT REDIRECT
CARDMDMastercard Debit ​CARDDebit Card ​DIRECT REDIRECT
CARDAEAmerican ExpressCARDCredit Card ​DIRECT

ℹ️

To offer all the card options that may be available in your integration, send the payment_method_id as CARD.

Alternative Payment Method supported

payment_method_idNamepayment_method_typeDetailsAllowed FlowsLogo
ZTStitchBANK_TRANSFERBank TransferREDIRECT
FXPayflexTICKETWalletREDIRECT
DZMobicredTICKETWalletREDIRECT

Cards

Capabilities

Visa CreditMastercard CreditVisa DebitMastercard DebitAmerican Express
Minimum amount1 ZAR1 ZAR1 ZAR1 ZAR1 ZAR
RefundsYesYesYesYesYes
RecurringYesYesYesYesYes
Chargeback optionYesYesYesYesYes
Chargeback Dispute optionYesYesYesYesYes
DescriptorMerchant name or description provided by the merchant.Merchant name or description provided by the merchant.Merchant name or description provided by the merchant.Merchant name or description provided by the merchant.Merchant name or description provided by the merchant.

How to process Card Payments?

Learn how to process payments with credit and debit cards with dLocal in our Card Payments section.


Alternative Payment Method

Bank Transfer

Capabilities

Bank Transfer
Min. amount100 ZAR
Max. expiration time supported1 day
Notification delayImmediate
RefundsYes
FlowREDIRECT

UX Flow

Request parameters

PropertyTypeDescriptionMandatory?
amountNumberAmount to be charged.Yes
currencyStringZAR

Transaction currency in ISO 4217.		Yes
countryStringZA

Transaction country in ISO 3166.		Yes
payment_method_idStringZT

ID of the selected payment method		Yes
payment_method_flowStringREDIRECTYes
payer.nameStringName of the payer.Yes
payer.emailStringEmail of the payer.Yes
payer.documentNumberDocument of the payer.Yes
order_idNumberID of the capture given by the merchant in their system. Think of it as an external ID of the capture.No
notification_urlStringNotifications will be sent in every change of status of a payment to the notification_url specified by the merchant.No

Examples

{
    "amount": 1000,
    "currency": "ZAR",
    "country": "ZA",
    "payment_method_id": "ZT",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "1234567890123",
        "address": {
            "country": "ZA",
            "state": "Cape Town",
            "city": "Cape Town",
            "zip_code": "8858",
            "street": "Street 1",
            "number": "540"
        }
    },
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "R-4-ef95f10e-678e-423e-76ss-e574b98a9cbe",
    "amount": 1000,
    "currency": "ZAR",
    "payment_method_id": "ZT",
    "payment_method_type": "BANK_TRANSFER",
    "payment_method_flow": "REDIRECT",
    "country": "ZA",
    "created_date": "2023-01-23T19:02:09.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchant.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-redirect/M-69571584-70e8-41b2-a9f0-a33cb4ace4e7"
}

Payflex

Payflex is a popular Buy Now Pay Later (BNPL) online payment method in South Africa. It allows shoppers to pay for their purchase in full or in four interest-free installments over six weeks.

Customers only need to pay 25% of the purchase price on the day they place their order.

Capabilities

Payflex
Min. Amount.1 ZAR
Expiration30 Minutes
Notification delayImmediate
RefundsYes
FlowREDIRECT

UX Flow

First-time user

The screenshots illustrate a Payflex first-time user flow. The specifics of the flow may vary depending on the payment method selected to complete the payment.

The screenshots illustrate a Payflex first-time user flow. The specifics of the flow may vary depending on the payment method selected to complete the payment.

Existing user

The screenshots illustrate a Payflex existing user flow. The specifics of the flow may vary depending on the payment method chosen to complete the payment.

The screenshots illustrate a Payflex existing user flow. The specifics of the flow may vary depending on the payment method chosen to complete the payment.

Request parameters

PropertyTypeDescriptionMandatory?
amountNumberAmount to be chargedYes
currencyStringZAR

Transaction currency in ISO 4217.		Yes
countryStringZA

Transaction country in ISO 3166.		Yes
payment_method_idStringFX

ID of the selected payment method.		Yes
payment_method_flowStringREDIRECTYes
payer.nameStringName of the payerYes
payer.emailStringEmail of the payerYes
payer.documentNumberDocument of the payer. Yes
address.countryStringZA

Country of the payer.		Yes
address.stateStringState of the payer.Yes
address.cityStringCity of the payer.Yes
address.zip_codeNumberZIP code of the payer.Yes
address.streetStringStreet of the payer.Yes
address.numberNumberStreet number of the payer.Yes
order_idNumberID of the capture given by the merchant in their system. Think of it as an external id of the capture.No
notification_urlStringNotifications will be sent in every change of status of a payment to the notification_url specified by the merchant.Yes

Examples

{
    "amount": 1000,
    "currency": "ZAR",
    "country": "ZA",
    "payment_method_id": "FX",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "1234567890123",
        "address": {
            "country": "ZA",
            "state": "Cape Province",
            "city": "Cape Town",
            "zip_code": "88058",
            "street": "Rodovia Armando Calil Bulos",
            "number": "5940"
        }
    },
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchant.com/success_page"
}

{
    "id": "R-4-e98ed216-b10d-ty54-885f-eb7a751a3a12",
    "amount": 1000,
    "currency": "ZAR",
    "payment_method_id": "FX",
    "payment_method_type": "TICKET",
    "payment_method_flow": "REDIRECT",
    "country": "ZA",
    "created_date": "2023-01-23T19:02:09.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "345453483kqws0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-redirect/M-6f5d5f37-67y5-48f2-9e6f-fb911ca4ba39"
}

Mobicred

Mobicred is a digital credit payment method in South Africa that allows customers to make online purchases using a revolving credit line. Approved users receive a credit limit and can pay for their purchases in monthly installments, with interest applied.

Payments are processed through Mobicred at checkout, and users must make a minimum monthly repayment of 7.5% of the outstanding balance.

Capabilities

Mobicred
Min. Amount.1 ZAR
Expiration30 Minutes
Notification delayImmediate
RefundsYes
FlowREDIRECT

UX Flow

Request parameters

PropertyTypeDescriptionMandatory?
amountNumberAmount to be charged.Yes
currencyStringZAR

Transaction currency in ISO 4217.		Yes
countryStringZA

Transaction country in ISO 3166.		Yes
payment_method_idStringDZ

ID of the selected payment method.		Yes
payment_method_flowStringREDIRECTYes
payer.nameStringName of the payer.Yes
payer.emailStringEmail of the payer.Yes
payer.documentNumberDocument of the payer. Yes
address.countryStringZA

Country of the payer.		Yes
address.stateStringState of the payer.Yes
address.cityStringCity of the payer.Yes
address.zip_codeNumberZIP Code of the payer.Yes
address.streetStringStreet of the payer.Yes
address.numberNumberStreet number of the payer.Yes
order_idNumberID of the capture given by the merchant in their system. Think of it as an external ID of the capture.No
notification_urlStringNotifications will be sent in every change of status of a payment to the notification_url specified by the merchant.Yes

Examples

{
    "amount": 10,
    "currency": "ZAR",
    "country": "ZA",
    "payment_method_id": "DZ",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "phone": "0234567898",
        "document": "0465687962",
        "document_type": "CI",
        "account_number": "933303352683680",
        "address": {
            "country": "ZA",
            "state": "Santa Catarina",
            "city": "Florianopolis",
            "zip_code": "88058",
            "street": "Rodovia Armando Calil Bulos",
            "number": "5940"
        }
    },
    "order_id": "8ec2da8b-11d5-4a11-8c55-86006f2f93e6",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "R-4-6729cb7d-a9af-41fd-ba95-1c6bf56356b5",
    "amount": 10,
    "currency": "ZAR",
    "payment_method_id": "DZ",
    "payment_method_type": "TICKET",
    "payment_method_flow": "REDIRECT",
    "country": "ZA",
    "created_date": "2025-03-26T16:19:10.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "8ec2da8b-11d5-4a11-8c55-86006f2f93e6",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-continue/M-f7830a9d-5e46-4230-903f-8b7ad39c037d"
}

Updated 27 days ago

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© 2025 DLOCAL. ALL RIGHTS RESERVED

Dlocal LLP (Company Number UK OC413287) is a limited liability partnership incorporated in England and Wales. DLocal Limited (Company Registration Number C77538) is authorised by the Malta Financial Services Authority under the Financial Institutions Act for the issuance of electronic money and the provision of payment services. Dlocal Corp LLP (Company Number UK OC 424987) is registered as a Money Service Business (MSB) with Financial Crime Enforcement Network in United States of America (USA) under MSB Registration Numbers 31000193620515. Dlocal Corp LLP acts as agent of e-commerce merchants based in the USA, and collects payments from end users based in emerging markets, on behalf of the merchants.