Security & Payments

We use the Pay fast System

PayFast can be contacted on:


Contact: +27(0)21 300 4455


Security & Fraud Prevention


PayFast is committed to keeping you, your customers and all sensitive information secure. We have a multitude of automated and manual checks in place to protect both buyers and sellers from fraudulent transactions. Online retail has a fraud rate between 1 and 2% of all transactions. Through effective controls, PayFast’s is currently below 0.1% and still going down.


PCI-DSS Level 1 Compliant



We use Extended Validation SSL with 2048-bit encryption. Only two of the four major South African banks use this –the highest– level of encryption currently available.


All sensitive info is encrypted within our own database.


We run ASV Scans on a weekly basis to look for new vulnerabilities and certify quarterly.


Our entire site, blog, payments page and help site all are served off secure servers, making it harder to perpetrate phishing attacks.


3D Secure is in place for all credit card transactions.


Two-factor authentication is available to restrict access to your PayFast account.


We use GEO IP tracking to see where transactions are originating from and look for mismatches between this and the card’s issuing country.


Our system automatically checks for suspicious payment velocity.


We use BIN/IIN validation to check for card-issuing bank locations and merchants can choose to enable/disable payments from certain countries.


Payments and card details are automatically checked against large online databases of blacklisted details.


All suspicious transactions are manually reviewed by our stellar Support Team.



3D Secure

3D Secure is an extra layer of security in using your credit card for online transactions. Sellers are asked to enter their 3D Secure password or one time PIN –which they register with their bank– to authenticate that they are the actual cardholder.

Buyers would need to activate 3D Secure on their card via their bank (if they haven’t already done so).
For more information on activating your card for 3D Secure see here.


Activate your card for 3D Secure:


Click on your bank’s logo to activate your card. For any further information, kindly contact your bank.

Payment methods

We offer a variety of payment methods so that your customers can pay you easily and securely online. More payment options means access to more online shoppers and increased sales.

Credit & cheque cards


payment types webpage-visa and mastercard
Credit and cheque cards are the most popular and trusted online payment methods around the world. We processes local and international Visa and Mastercard payments, with a variety of fraud protection mechanisms in place to protect sellers against costly chargebacks. Accept credit and cheque card payments online.


Instant EFT


Instant EFT by PayFast allows online shoppers with access to internet banking to make an Electronic Funds Transfer (EFT) that gets instantly verified. No two day waiting period, no proof of payment required and no disclosing of financial information. Streamline online payments with Instant EFT.
PayFast payment methods Instant EFT logo




Mobicred is an online account that gives buyers access to credit, which they can use to pay you online through PayFast. Give your customers the ability to pay off their online purchases in monthly installments while you get immediate payment in full. Accept Mobicred payments through PayFast.




Zapper is a free ‘scan to pay’ app that makes payments convenient and secure for both online shoppers and merchants. Zapper allows buyers to make payments by simply scanning a QR code with their smartphone. Access more potential buyers with Zapper.




Masterpass is a digital wallet from Mastercard that enables online shoppers to quickly and securely check out and make online payments. Masterpass works with all major credit, cheque and debit cards and secures the buyer’s data using industry leading technology. Enable a faster checkout process with Masterpass.




SCode is a payment platform that allows shoppers to pay for their online purchases in-store at one of more than 6,000 retail outlets across South Africa. When choosing to pay with SCode, the buyer receives a barcoded email or SMS that they then present at the store to make their payment. Enable offline payments for online purchases with SCode.


ATM debit cards (via Visa Electron and Maestro)


Debit cards issued by Maestro and Visa Electron are still popular among many South African shoppers, and can be used to make online purchases through PayFast. Buyers simply enter their debit card and mobile phone number and then authenticate the transaction on their mobile phone. Reach more South African buyers with debit cards.