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 Capitec Pay Capitec Pay Recurring

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` code	`currency` code	`amount` decimals	`document` name	`document` format	`document` required?
`ZA`	`ZAR`	2	South African Identity Card	13 digits with full validation	Yes

Cards supported

`payment_method_id`	Brand ID	Name	`payment_method_type`	Details	Allowed Flows
`CARD`	`VI`	Visa	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`MC`	Mastercard	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`VD`	Visa Debit	`CARD`	Debit Card	`DIRECT` `REDIRECT`
`CARD`	`MD`	Mastercard Debit	`CARD`	Debit Card	`DIRECT` `REDIRECT`
`CARD`	`AE`	American Express	`CARD`	Credit 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_id`	Name	`payment_method_type`	Details	Allowed Flows
`ZT`	Stitch	`BANK_TRANSFER`	Bank Transfer	`REDIRECT`
`FX`	Payflex	`TICKET`	Wallet	`REDIRECT`
`DZ`	Mobicred	`TICKET`	Wallet	`REDIRECT`
`ZC`	Capitec Pay	`BANK_TRANSFER`	Bank Transfer	`REDIRECT`
`ZR`	Capitec Pay Recurring	`BANK_TRANSFER`	Bank Transfer	`REDIRECT`

Cards

Capabilities

	Visa Credit	Mastercard Credit	Visa Debit	Mastercard Debit	American Express
Minimum amount	1 ZAR	1 ZAR	1 ZAR	1 ZAR	1 ZAR
Refunds	Yes	Yes	Yes	Yes	Yes
Recurring	Yes	Yes	Yes	Yes	Yes
Chargeback option	Yes	Yes	Yes	Yes	Yes
Chargeback Dispute option	Yes	Yes	Yes	Yes	Yes
Descriptor	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.	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. amount	1 ZAR
Max. expiration time supported	1 day
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`ZAR` Transaction currency in ISO 4217.	Yes
`country`	String	`ZA` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`ZT` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	String	Document of the payer.	Yes
`order_id`	String	ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.	No
`notification_url`	String	Notifications 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 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://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
Expiration	30 Minutes
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

First-time user

Existing user

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`ZAR` Transaction currency in ISO 4217.	Yes
`country`	String	`ZA` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`FX` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	String	Document of the payer.	Yes
`address.country`	String	`ZA` Country of the payer.	Yes
`address.state`	String	State of the payer.	Yes
`address.city`	String	City of the payer.	Yes
`address.zip_code`	String	ZIP code of the payer.	Yes
`address.street`	String	Street of the payer.	Yes
`address.number`	String	Street number of the payer.	Yes
`order_id`	String	ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.	No
`notification_url`	String	Notifications 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
Expiration	30 Minutes
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`ZAR` Transaction currency in ISO 4217.	Yes
`country`	String	`ZA` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`DZ` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	String	Document of the payer.	Yes
`address.country`	String	`ZA` Country of the payer.	Yes
`address.state`	String	State of the payer.	Yes
`address.city`	String	City of the payer.	Yes
`address.zip_code`	String	ZIP Code of the payer.	Yes
`address.street`	String	Street of the payer.	Yes
`address.number`	String	Street number of the payer.	Yes
`order_id`	String	ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.	No
`notification_url`	String	Notifications 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": "Cape Province",
            "city": "Cape Town",
            "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"
}

Capitec Pay

Capitec Pay is a secure, convenient, and popular online payment method in South Africa that allows customers to pay directly from their Capitec bank account using their banking app; no need to enter card details.

During checkout, customers simply select Capitec Pay, enter their mobile number, and approve the payment via the Capitec app.

Capabilities

	Capitec Pay
Min. amount.	1 ZAR
Expiration time	2 minutes
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

Request Parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`ZAR` Transaction currency in ISO 4217.	Yes
`country`	String	`ZA` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`ZC` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	String	Document of the payer.	Yes
`payer.phone`	String	Phone number of the payer.	Yes
`address.country`	String	`ZA` Country of the payer.	Yes
`address.state`	String	State of the payer.	Yes
`address.city`	String	City of the payer.	Yes
`address.zip_code`	String	ZIP Code of the payer	Yes
`address.street`	String	Street of the payer.	Yes
`address.number`	String	Street number of the payer.	Yes
`order_id`	String	ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	Yes
`callback_url`	String	The payer will be redirected to the merchant’s website after completing the payment via the `callback_url` specified by the merchant.	Yes

Examples

{
  "amount": 10,
  "currency": "ZAR",
  "country": "ZA",
  "payment_method_id": "ZC",
  "payment_method_flow": "REDIRECT",
  "payer": {
    "name": "Jane Doe",
    "email": "[email protected]",
    "phone": "0823778084",
    "document": "0465687962",
    "address": {
          "country": "ZA",
          "state": "Cape Province",
          "city": "Cape Town",
          "zip_code": "88058",
          "street": "Rodovia Armando Calil Bulos",
          "number": "5940"
        }
  },
  "order_id": "34545sk3483kqw0",
  "notification_url": "http://merchantsite.com/notification/new",
  "callback_url": "http://merchant.com/success_page"
}

{
  "id": "R-4-3973393c-3ac9-4443-8fb3-ab78d6fb0bef",
  "amount": 10,
  "currency": "ZAR",
  "payment_method_id": "ZC",
  "payment_method_type": "BANK_TRANSFER",
  "payment_method_flow": "REDIRECT",
  "country": "ZA",
  "created_date": "2025-04-15T16:22:08.000+0000",
  "status": "PENDING",
  "status_detail": "The payment is pending.",
  "status_code": "100",
  "order_id": "1b3e5d5e-d31b-4113-b35a-32b30959862d",
  "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"
}

Capitec Pay Recurring

Capitec Pay Recurring is Capitec’s solution to support scheduled payments with weekly, monthly, semi-annual (six-month), or annual frequency. It also allows setting whether the amount to be charged is fixed or variable, depending on the merchant’s specific case.

Capabilities

	Capitec Pay Recurring
Min. Amount.	1 ZAR
Expiration	3 minutes
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

One-time user enrollment

This is the API request that is used to create the recurring payment mandate with Capitec Pay.

Request parameters

Property	Type	Description	Mandatory?
`external_id`	String	Identifier used by the merchant to identify the enrollment in their system.	Yes
`currency`	String	`ZAR` Transaction currency in ISO 4217.	Yes
`country`	String	`ZA` Transaction country in ISO 3166 .	Yes
`type`	String	`MERCHANT_SUBSCRIPTION` For subscriptions with future recurring payments initiated by the merchant.	Yes
`payment_method_id`	String	`ZR` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`description`	String	Enrollment description.	No
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`payer.phone`	String	Phone number of the payer.	Yes
`subscription.start_date`	String (YYYY-MM-DD)	Subscription start date. The default is the current date. To be used only for subscriptions.	Yes
`subscription.end_date`	String (YYYY-MM-DD)	Subscription expiration date. If not provided, the subscription will not expire.	No
`subscription.frequency`	String	Possible values: `WEEKLY`, `MONTHLY`, `SEMI_ANNUAL`, or `ANNUAL`.	Yes
`subscription.amount.type`	String	Possible values: • `FIXED`: For fixed amount subscription • `VARIABLE`: For variable amount subscriptions	Yes
`subscription.amount.value`	Number (10,2)	Fixed subscription amount in local currency. Required only for fixed amount subscriptions depending on the payment method.	Conditional
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	Yes
`callback_url`	String	The payer will be redirected to the merchant’s website after completing the payment via the `callback_url` specified by the merchant.	Yes

Enrollment Example

curl -X POST \
   -H 'X-Date: {X-Date}' \
   -H 'X-Login: {X-Login}' \
   -H 'X-Trans-Key: {X-Trans-Key}' \
   -H 'Content-Type: application/json' \
   -H 'X-Version: 2.1' \
   -H 'User-Agent: MerchantTest / 1.0 ' \
   -H 'Authorization: V2-HMAC-SHA256, Signature: {Signature}' \
   -d '{body}'
   https://api.dlocal.com/enrollments

{
  "external_id": "fwbExmQQ7",
  "currency": "ZAR",
  "country": "ZA",
  "type": "MERCHANT_SUBSCRIPTION",
  "description": "Capitec Recurriug - Monthly",
  "payment_method_id": "ZR",
  "payment_method_flow": "REDIRECT",
  "payer": {
    "phone": "0823778084",
    "name": "Jane Doe",
    "document": "0465687962",
    "email": "[email protected]"
  },
  "subscription": {
    "start_date": "2025-09-10",
    "end_date": "2025-10-10",
    "frequency": "MONTHLY",
    "amount": {
      "type": "FIXED",
      "value": 588
    }
  },
  "notification_url": "http://merchantsite.com/notifications",
  "callback_url": "http://merchantsite.com/callback"
}

{
  "id": "E-4-3a8bcc85-d86e-4c9a-bbc4-8393b5fb488e",
  "external_id": "fwbExmQQ7",
  "status": "PENDING",
  "status_code": "100",
  "status_details": "The enrollment is pending.",
  "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-redirect/M-6f5d5f37-67y5-48f2-9e6f-fb911ca4ba39"
}

{
  "id": "E-4-3a8bcc85-d86e-4c9a-bbc4-8393b5fb488e",
  "external_id": "fwbExmQQ7",
  "currency": "ZAR",
  "country": "ZA",
  "type": "MERCHANT_SUBSCRIPTION",
  "payment_method_id": "ZR",
  "payment_method_flow": "REDIRECT",
  "created_date": "2025-09-10 T20:37:20.000+0000",
  "status": "ACTIVE",
  "status_detail": "The enrollment is active.",
  "status_code": "200",
  "notification_url": "https://merchant.com/enrollment_notifications"
}

How to process Capitec Pay recurring payments?

Once the subscription has been set up, a payment request must be sent within each period. Payments cannot be scheduled in advance; instead, the merchant must send the request on the day the payment is due.

This flow is similar to a Capitec Pay one-time payment. The main difference is that it requires the enrollment.id to reference the initial customer authorization.

Payment examples

curl -X POST \
   -H 'X-Date: {X-Date}' \
   -H 'X-Login: {X-Login}' \
   -H 'X-Trans-Key: {X-Trans-Key}' \
   -H 'Content-Type: application/json' \
   -H 'X-Version: 2.1' \
   -H 'User-Agent: MerchantTest / 1.0 ' \
   -H 'Authorization: V2-HMAC-SHA256, Signature: {Signature}' \
   -d '{body}'
   https://api.dlocal.com/payments

{
  "amount": 200,
  "external_id": "fwbExmQQ7",
  "currency": "ZAR",
  "country": "ZA",
  "payment_method_id": "ZR",
  "payment_method_flow": "REDIRECT",
  "payer": {
    "phone": "0823778084",
    "name": "Jane Doe",
    "document": "0465687962",
    "email": "[email protected]"
  },
  "enrollment": {
    "id": "E-4-3a8bcc85-d86e-4c9a-bbc4-8393b5fb488e"
  },
  "notification_url": "http://merchantsite.com/notifications",
  "callback_url": "http://merchantsite.com/callback"
}

{
  "id": "E-4-3a8bcc85-d86e-4c9a-bbc4-8393b5fb488e",
  "amount": 200,
  "currency": "ZAR",
  "payment_method_id": "ZR",
  "payment_method_flow": "REDIRECT",
  "country": "ZA",
  "created_date": "2025-09-10 T20:39:20.000+0000",
  "status": "PENDING",
  "status_details": "The payment is pending.",
  "status_code": "100",
  "notification_url": "http://merchantsite.com/notifications"
}

{
  "id": "E-4-3a8bcc85-d86e-4c9a-bbc4-8393b5fb488e",
  "amount": 200,
  "status": "PAID",
  "status_detail": "The payment is paid",
  "status_code": "200",
  "currency": "ZAR",
  "country": "ZA",
  "payment_method_id": "ZR",
  "payment_method_flow": "REDIRECT",
  "payer": {
    "phone": "0823778084",
    "name": "Jane Doe",
    "document": "0465687962",
    "email": "[email protected]"
  },
  "notification_url": "http://merchantsite.com/notifications",
  "callback_url": "http://merchantsite.com/callback",
  "created_date": "2024-09-10 T20:37:20.000+0000"
}