PayPay Mobile Banking service lets you access and manage your PayPay accounts quickly and securely from your mobile
device 24 hours a day.
What banking functions can I perform through PAYPAY Mobile Banking service?
With PAYPAY Mobile Banking service, you can access and manage your
PAYPAY accounts quickly and securely via the PAYPAY Mobile Banking App from your mobile device:
View your account balances and transaction history
Transfer funds between your eligible PAYPAY accounts
How safe is my money?
Very. Card transactions can only be done with your PayPay card and
PIN. Biometrics also enables us to track all transactions by service consultants, which ensures that only you can
access your accounts and money. Our Mobile and Internet banking services for registered users also include security
measures to keep your money safe.
How do you keep your fees so low?
There are several reasons:
We focus on personal banking for individuals only, which enables us to tailor our systems and procedures for
one type of client category. Our competitors have to cater for many different types of clients and businesses, resulting
in more complex and costly procedures
Our systems are modern and technologically advanced which allows us to take advantage of cost-effective
technology (i.e. paperless banking) rather than expensive manual procedures
No branches means we dont need large admin departments. Instead, we use technology and a dedicated
What is the deal with daily limits?
The following daily card limits apply to keep your money safe.
â€¢ Up to R5 000 per day for cash withdrawals
â€¢ Up to R5 000 per day for card machine purchases
â€¢ Up to R5 000 per day for local online shopping and telephone/mail orders
Why should I switch to PayPay?
Who wouldnâ€™t want simplified and affordable banking? Our
fees are less than half the transaction costs of most other banks. Make the switch.
I havenâ€™t use my account for a while, what happens with my money?
All inactive accounts become dormant after 12 months. This means
that the account will be frozen for security reasons and no further transactions can be made. To prevent this, simply
transact on your account at least once every 12 months. If you'd like to reactivate a dormant account, please phone
us on: 086xxxxxxxxxx.
Can I open an account if Iâ€™m not from South Africa?
If you're not from South Africa and you want to open a PayPay account, we can help you under any of the
â€¢ You have a valid passport
â€¢ You have a valid permanent residence permit
â€¢ You have a temporary work permit
My staff wants to bank with you, can you help?
We'll visit your workplace to help sign-up all your staff. Theyâ€™ll need to bring a South African ID book
and an original proof of residential address with their full name and address on it. Contact us now to arrange it.
We also offer a free financial skills programme for employee groups to help them manage their own money, which
weâ€™ll gladly present at your workplace.
What if I dont have proof of address?
If you are a South African citizen and an employed individual, pensioner or student, please download and print
this Fica Declaration form. Complete it with your landlord, home owner, college residence manager, hostel manager or
cohabitant. Then forward it and the other required documents to us to open your account:
â€¢ Identification document
Remember that if the declarer is your cohabitant, they must also provide an original proof of their residential
address, except where he or she is an existing PayPay client. Its not a requirement for the declarer to accompany
the client to the branch but the client must obtain a copy of the declarer's identification document. If the declarer
is an existing PayPay client, it is not necessary to obtain the abovementioned documents.
For a list of the approved documents and further information, please download the Fica flyer.
What is mobile banking?
Mobile Banking offers simple, easy-to-use banking on your cell
phone. Your preferences and cell phone determine the type of mobile banking services that you'll be able to access.
Mobile Banking using unstructured supplementary services data (USSD) allows you to use any cell phone to access the
service by dialling *120*xxxxx# to perform banking on the go. If you don't have airtime, first top up your airtime
â€“ your service provider allows this transaction free of charge.
How long must I wait until I can use mobile banking?
There is no wait at all. Once you have successfully registered via the app, USSD or website can start using Mobile
What is USSD?
USSD (unstructured supplementary services data) is a technology similar to SMS. USSD is present on all South African
GSM (global system for mobile communications) networks. It is more secure than SMS as it doesn't store any
typed information on the cell phone. The service is session-based, which means that in each session you will be validated
and transaction information can be saved.
How long does a session last after I access the service?
The session duration is determined by the service providers and typically allows you to transact within 2 to 3
minutes (ask your service provider how long their USSD sessions last). If you've lost connection or the session times
out and you've already typed information in or made a menu selection, you can continue your transaction at the point
where you left off by redialling the service within 5 minutes of the disconnection or timeout.
My cell phone suddenly stopped responding. What happened?
This means that you've reached the time limit for a session set by your service provider â€“ this is
referred to as having "timed out". If this happens and you confirmed your transaction by entering your Mobile
Banking PIN, the transaction will still be processed and a SMS confirmation will be sent to you. If you've not
confirmed by entering your Mobile Banking PIN yet, you can resume the transaction by dialling the service within 5
What is the PayPay PayPay app?
PayPay by MasterCardÂ® is a free digital wallet which stores payment and contact information in one central,
secure location. This app improves your online shopping experience by making the checkout procedure faster and
It makes it faster because you only need to enter your card, billing and shipping details once. It is saved to the
app and does not need to be re-entered.
Is my card information stored within the PayPay wallet?
No, as soon as your card information has been entered into the wallet, your card number is automatically replaced by
a token. This token will be used for transactions, keeping your card information private and secure at all times.
What type of devices support the PayPay PayPay app?
PayPay has been designed to function on smartphones and tablets that support Android OS, Apple iOS and Windows. The
smartphone and tablet needs to have an active SIM card and mobile data for it to operate.
How do I download and install the PayPay PayPay app?
To use PayPay all you need to do is download the PayPay app and register. Follow these steps:
1. Before you start, ensure that you are registered for online shopping (e.g. MasterCardÂ® SecureCodeâ„¢) at a
branch and have sufficient data
2. Download the PayPay PayPay app from the Apple, Android or Windows app stores on your phone
3. Install the app and accept the terms and conditions
4. Scan your card or enter your card number. The wallet can take up to 6 MasterCard or Visa cards
5. Load your billing and shipping information
6. Secure your information with a password. For extra security, your PayPay profile password should differ from your
7. You are now ready to experience quick, secure and convenient online shopping
How do I use the PayPay PayPay app once I've downloaded it?
1. When you are shopping online and you would like to check out
your basket, choose the PayPay option at any participating store
2. A QR code (Quick Response code*) with a numeric code below it will be displayed
3. Open the PayPay PayPay app and scan the QR code or enter the numeric code in the space provided
4. PayPay will then prompt you to choose a card from your list of cards
5. Once you have chosen your (PayPay) preferred card, PayPay will request the CVC/CVV of your chosen card and
SecureCodeâ„¢ password that you set up when you registered for online shopping at the branch
6. After you have successfully entered your SecureCode password, the payment will be processed and you will receive
confirmation by e-receipt. You can go back to your list of e-receipts within the app at any time
*QR code is a matrix type/2D barcode that is optically readable that contains information within it with regards to
Is PayPay PayPay secure?
The app was developed according to the strictest security standards. However, it remains your responsibility to
protect your personal information, e.g., your password.
What cards can I load in the PayPay PayPay app?
MasterCard and Visa debit and credit cards, enabled for online shopping.
Where can I use the PayPay PayPay app?
Visit PayPay.co.za to see the latest list of participating merchants. A Buy with PayPay button will appear on the
checkout page of participating stores.
How much does PayPay PayPay app cost?
There are no fees or charges to clients to use the PayPay app.
What happens if my card is lost or stolen, or has expired?
When your card expires and is reissued, you will need to update the card details according to your new card.
Alternately you can delete your old card details and load the new card.
What should I do if I think someone else knows my PayPay PayPay app password?
You are able to reset your app profile password by choosing Change Password from the menu. Please note you will be
required to re-enter your shipping and billing details for your profile as your old details will no longer be available
when you reset your profile password.
What can I do if I think my card stored in the PayPay PayPay app has been used fraudulently?
If you notice any suspicious transactions on your account or suspect that you may have been a victim of fraud,
contact us immediately on 08xxxxxxxxx to report it.
How do I view, update or edit any of my profile details that I provided when I first used the PayPay PayPay
You can update your personal information by choosing the menu at the top of your app home screen. Enter your profile
password and view, update or edit any of your details.
What should I do if my mobile device is lost or stolen?
Your card information is safe and secure with PayPay, and is not stored on your device. Without your personal
SecureCode no one besides you will be able to transact with your PayPay app
How do I add a new payment card into the PayPay app?
Choose the Cards tab on the home page of your PayPay app. Choose the + button on your screen and follow the prompts
to enter your new card details.
How do I remove a card from the PayPay PayPay app?
From your home screen on your PayPay app select the Cards tab and select the actual card you would like to remove.
You will be asked to Remove Card.
How do I change my preferred payment card in the PayPay PayPay app?
To change your preferred payment card, from your home screen on your PayPay app choose the Cards tab and choose the
card that you would like to set as your new default card. You will be asked to set as your default card.
Need some help or assistance with the PayPay PayPay app?
Contact us on our 24hr channels:
F +27 xxxxxxxxxx