Pay with Capitec Pay

Follow these steps to accept payment using Capitec Pay:

• Initiate

• Validate

• Check Status

Coverage

The gateway parameter should be set to anyone of the following currencies.

Country	Country Code	Currency	gateway
South Africa	ZAF	ZAR	ZAR

Initiate

POST {{env_url}}/pay/aggregators/{{gateway}}/bank-wallet-transfer

You would need to pass, as header the x-auth-token. This can be obtained from your merchant dashboard → Settings → Generate API keys → Merchant public key.

Headers

Name	Value
Content-Type	application/json
x-auth-token	Your merchant public key

Request Body (encrypted)

Encryption algorithm here

{
    "message": "encrypted-body"
}

Request Body (plain)

{
    "fullname": "Francisca Reuben",
    "email": "[email protected]",
    "phone_number": "260953456700",
    "account_number": "260953456700",
    "tx_ref": "de43d7a1-569c-4348-abd8-75246e81d5009",
    "type": "capitec",
    "description": "payment for airpod",
    "country": "ZAF",
    "amount": "10",
    "currency": "ZAR",
    "rate": 1,
    "paymentType": "woo",
    "sourceCurrency": "ZAR",
    "sourceAmount": 10,
    "rememberMe": false,
    "productType": "COLLECTION",
    "redirect_url": "https://validuri.com"
}

Response

200

{
    "data": {
        "tx_ref": "de43d7a1-569c-4348-abd8-75246e81d5009",
        "payment_type": "BANK_WALLET_TRANSFER",
        "chargeResponseCode": "pending",
        "charged_amount": 10.0,
        "narration": "Capitec_PAYMENT",
        "currency": "ZAR",
        "message": "Transaction in Progress",
        "status": "pending",
        "customer": {
            "id": 3360279.0,
            "phone_number": "260953456700",
            "name": "Klasha South Africa",
            "email": "[email protected]",
            "created_at": "2025-09-03T11:12:16.000Z"
        }
    },
    "error": null,
    "status": "success"
}

400

{
    "status": "failed",
    "error": "failed",
    "message": "Transaction Reference already exist. Try again in 2 minutes time to use the same ref for a new transaction",
    "tx_ref": "de43d7a1-569c-4348-abd8-75246e81d5009"
}

Validate

The customer will need to complete the transaction from the Capitec Pay App.

Check Status

Click the "Transaction status" link below to check the status of the transaction by passing your tnx_ref as request body.

Transaction status