Question 1

Do I need a merchant account?

Accepted Answer

No. Link a South African bank account and you can start accepting card, instant EFT and QR payments the same day, with no separate merchant account application to wait on. Payments are matched against the invoice they were made for. A platform fee is shown on each transaction rather than buried in a monthly statement.

Question 2

When does the money reach my bank?

Accepted Answer

Payouts land in your linked bank account within 2 to 3 business days of the customer paying. The invoice itself is marked paid and reconciled as soon as the payment confirms, so your books do not sit waiting on the payout. Each transaction shows its fee, so the net amount is never a guess.

Question 3

Can businesses outside South Africa collect card payments?

Accepted Answer

Card collection inside the invoice runs on a linked South African bank account, so it is currently available to South African businesses. Elsewhere you can still invoice from the field, send that invoice by email or WhatsApp, and record each payment and its reference against the invoice as it lands, so the books match the bank.

Question 4

Can I use my own payment provider?

Accepted Answer

Yes. If you already hold a payment gateway account, connect your own keys instead of using the built-in option. You then manage settlements directly with your provider and pay no platform fee on those transactions. The invoice and reconciliation experience stays the same for your customers either way.

Question 5

Can a customer pay a deposit rather than the full amount?

Accepted Answer

Yes. Request a deposit as a percentage or a fixed amount on an invoice or estimate, and the balance is tracked automatically as further payments arrive. An invoice can also be split into installments. Every payment link works from the email, the WhatsApp message or the client portal, at any hour.

Get paid faster, no merchant account hassle.