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Disputes","\u002Ffaq\u002Fregistered-mandates\u002Freturns-and-disputes","0.faq\u002F6.registered-mandates\u002F8.returns-and-disputes",{"title":338,"path":424,"stem":425},"\u002Ffaq\u002Fregistered-mandates\u002Fapi-vs-host-to-host","0.faq\u002F6.registered-mandates\u002F9.api-vs-host-to-host",{"title":427,"path":428,"stem":429,"children":430,"icon":432},"Bank Transfers and PayShap","\u002Ffaq\u002Fbank-transfers","0.faq\u002F7.bank-transfers\u002Findex",[431,433,437,441,445,449,453,457,461,465,469,473,477],{"title":427,"path":428,"stem":429,"icon":432},"i-lucide-landmark",{"title":434,"path":435,"stem":436},"EFT Credit Payments","\u002Ffaq\u002Fbank-transfers\u002Feft-credit-payments","0.faq\u002F7.bank-transfers\u002F1.eft-credit-payments",{"title":438,"path":439,"stem":440},"Proof of Payment","\u002Ffaq\u002Fbank-transfers\u002Fproof-of-payment-and-reconciliation","0.faq\u002F7.bank-transfers\u002F10.proof-of-payment-and-reconciliation",{"title":442,"path":443,"stem":444},"Failed and Returned Transfers","\u002Ffaq\u002Fbank-transfers\u002Ffailed-and-returned-transfers","0.faq\u002F7.bank-transfers\u002F11.failed-and-returned-transfers",{"title":446,"path":447,"stem":448},"Cross-Border and SWIFT","\u002Ffaq\u002Fbank-transfers\u002Fcross-border-payments-and-swift","0.faq\u002F7.bank-transfers\u002F12.cross-border-payments-and-swift",{"title":450,"path":451,"stem":452},"EFT vs RTC vs PayShap vs RTGS","\u002Ffaq\u002Fbank-transfers\u002Feft-vs-rtc-vs-payshap-vs-rtgs","0.faq\u002F7.bank-transfers\u002F2.eft-vs-rtc-vs-payshap-vs-rtgs",{"title":454,"path":455,"stem":456},"Bank Transfer Lifecycle","\u002Ffaq\u002Fbank-transfers\u002Fbank-transfer-lifecycle","0.faq\u002F7.bank-transfers\u002F3.bank-transfer-lifecycle",{"title":458,"path":459,"stem":460},"Real-Time Clearing","\u002Ffaq\u002Fbank-transfers\u002Freal-time-clearing","0.faq\u002F7.bank-transfers\u002F4.real-time-clearing",{"title":462,"path":463,"stem":464},"PayShap","\u002Ffaq\u002Fbank-transfers\u002Fpayshap","0.faq\u002F7.bank-transfers\u002F5.payshap",{"title":466,"path":467,"stem":468},"ShapIDs and Request to Pay","\u002Ffaq\u002Fbank-transfers\u002Fshapids-and-request-to-pay","0.faq\u002F7.bank-transfers\u002F6.shapids-and-request-to-pay",{"title":470,"path":471,"stem":472},"Final and Irrevocable Payments","\u002Ffaq\u002Fbank-transfers\u002Ffinal-and-irrevocable-payments","0.faq\u002F7.bank-transfers\u002F7.final-and-irrevocable-payments",{"title":474,"path":475,"stem":476},"Payouts and Bulk Payments","\u002Ffaq\u002Fbank-transfers\u002Fpayouts-and-bulk-payments","0.faq\u002F7.bank-transfers\u002F8.payouts-and-bulk-payments",{"title":478,"path":479,"stem":480},"Account 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Billing","\u002Ffaq\u002Fbilling\u002Finstalment-and-usage-based-billing","0.faq\u002F8.billing\u002F4.instalment-and-usage-based-billing",{"title":505,"path":506,"stem":507},"Dunning and Recovery","\u002Ffaq\u002Fbilling\u002Fdunning-and-payment-recovery","0.faq\u002F8.billing\u002F5.dunning-and-payment-recovery",{"title":509,"path":510,"stem":511},"Plan Changes and Proration","\u002Ffaq\u002Fbilling\u002Fsubscription-plan-changes","0.faq\u002F8.billing\u002F6.subscription-plan-changes",{"title":513,"path":514,"stem":515},"Backup Cards and Updaters","\u002Ffaq\u002Fbilling\u002Fbackup-cards-and-account-updaters","0.faq\u002F8.billing\u002F7.backup-cards-and-account-updaters",{"title":517,"path":518,"stem":519,"children":520,"icon":522},"Disputes and Compliance","\u002Ffaq\u002Fdisputes-risk-and-compliance","0.faq\u002F9.disputes-risk-and-compliance\u002Findex",[521,523,527,531,535,539,543,547,551,555,559,563,567],{"title":517,"path":518,"stem":519,"icon":522},"i-lucide-scale",{"title":524,"path":525,"stem":526},"Refunds vs Chargebacks","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Frefund-reversal-dispute-chargeback","0.faq\u002F9.disputes-risk-and-compliance\u002F1.refund-reversal-dispute-chargeback",{"title":528,"path":529,"stem":530},"PCI DSS","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fpci-dss","0.faq\u002F9.disputes-risk-and-compliance\u002F10.pci-dss",{"title":532,"path":533,"stem":534},"KYC, AML and POPIA","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fkyc-aml-sanctions-and-popia","0.faq\u002F9.disputes-risk-and-compliance\u002F11.kyc-aml-sanctions-and-popia",{"title":536,"path":537,"stem":538},"Incident Response","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fpayment-incident-response","0.faq\u002F9.disputes-risk-and-compliance\u002F12.payment-incident-response",{"title":540,"path":541,"stem":542},"Card Chargebacks","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fcard-chargebacks","0.faq\u002F9.disputes-risk-and-compliance\u002F2.card-chargebacks",{"title":544,"path":545,"stem":546},"Chargeback Evidence","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fchargeback-evidence","0.faq\u002F9.disputes-risk-and-compliance\u002F3.chargeback-evidence",{"title":548,"path":549,"stem":550},"Debit Order Disputes","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fdebit-order-disputes","0.faq\u002F9.disputes-risk-and-compliance\u002F4.debit-order-disputes",{"title":552,"path":553,"stem":554},"Payment Fraud","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fpayment-fraud","0.faq\u002F9.disputes-risk-and-compliance\u002F5.payment-fraud",{"title":556,"path":557,"stem":558},"Card Testing and Velocity","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fcard-testing-and-velocity-checks","0.faq\u002F9.disputes-risk-and-compliance\u002F6.card-testing-and-velocity-checks",{"title":560,"path":561,"stem":562},"Account Takeover","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Faccount-takeover-and-social-engineering","0.faq\u002F9.disputes-risk-and-compliance\u002F7.account-takeover-and-social-engineering",{"title":564,"path":565,"stem":566},"3DS and Fraud Prevention","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002F3ds-and-fraud-prevention","0.faq\u002F9.disputes-risk-and-compliance\u002F8.3ds-and-fraud-prevention",{"title":568,"path":569,"stem":570},"Tokenisation and Encryption","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Ftokenisation-encryption-and-hashing","0.faq\u002F9.disputes-risk-and-compliance\u002F9.tokenisation-encryption-and-hashing",{"id":572,"title":573,"body":574,"description":839,"extension":840,"links":841,"meta":842,"navigation":843,"path":136,"seo":844,"sitemap":845,"stem":137,"__hash__":846},"docs\u002F0.faq\u002F11.other-payment-methods\u002F5.voucher-and-cash-payments.md","How Do Voucher and Cash Payments Work Online?",{"type":575,"value":576,"toc":828},"minimark",[577,581,584,589,592,611,614,642,646,649,666,733,737,763,766,770,784,788,802,806],[578,579,580],"p",{},"Voucher and cash payment methods let customers pay for online purchases using physical cash, bridging the gap between South Africa's large cash economy and digital commerce. A customer either buys a prepaid voucher with cash and redeems it online, or places an order online and pays for it in cash at a till.",[578,582,583],{},"For merchants, these methods unlock customers who have no card, do not trust entering card details online, or simply prefer transacting in cash. The merchant still receives a normal electronic settlement from the voucher or payment provider — the cash handling happens entirely on the retail side.",[585,586,588],"h2",{"id":587},"how-do-prepaid-vouchers-work","How Do Prepaid Vouchers Work?",[578,590,591],{},"Prepaid vouchers such as 1Voucher, OTT and blu voucher follow a simple pattern:",[593,594,595,599,602,605,608],"ol",{},[596,597,598],"li",{},"The customer buys a voucher for cash at a participating retailer, spaza shop or ATM.",[596,600,601],{},"The voucher is a printed or digital PIN representing the amount paid.",[596,603,604],{},"At checkout, the customer selects the voucher option and enters the PIN.",[596,606,607],{},"The voucher provider validates the PIN and confirms the payment to the merchant.",[596,609,610],{},"The provider settles the funds to the merchant electronically.",[578,612,613],{},"Vouchers are effectively cash converted into a digital token. Key characteristics:",[615,616,617,624,630,636],"ul",{},[596,618,619,623],{},[620,621,622],"strong",{},"No bank account or card is needed"," at any point.",[596,625,626,629],{},[620,627,628],{},"Payment is prepaid and final"," — the funds already exist, so there is no decline for insufficient funds and no chargeback mechanism like cards have.",[596,631,632,635],{},[620,633,634],{},"Partial redemption"," is supported by some voucher products, with the balance retained on the voucher.",[596,637,638,641],{},[620,639,640],{},"PINs are bearer instruments",": whoever holds the PIN can spend it, so customers must guard them like cash.",[585,643,645],{"id":644},"how-do-cash-at-till-payments-work","How Do Cash-at-Till Payments Work?",[578,647,648],{},"Cash-at-till (also called cash payment on order or pay-in-store) reverses the sequence — the order comes first, the cash later:",[593,650,651,654,657,660,663],{},[596,652,653],{},"The customer completes checkout online and selects the cash payment option.",[596,655,656],{},"The system issues a payment reference, usually as a barcode or numeric code.",[596,658,659],{},"The customer takes the reference to a till at a participating major retailer, such as Pick n Pay, Shoprite and other national chains.",[596,661,662],{},"The cashier scans the code and accepts the cash.",[596,664,665],{},"The merchant receives real-time confirmation and fulfils the order.",[667,668,669,685],"table",{},[670,671,672],"thead",{},[673,674,675,679,682],"tr",{},[676,677,678],"th",{},"Aspect",[676,680,681],{},"Prepaid voucher",[676,683,684],{},"Cash at till",[686,687,688,700,711,722],"tbody",{},[673,689,690,694,697],{},[691,692,693],"td",{},"Sequence",[691,695,696],{},"Buy voucher first, then shop",[691,698,699],{},"Order first, then pay",[673,701,702,705,708],{},[691,703,704],{},"Customer needs",[691,706,707],{},"A voucher PIN",[691,709,710],{},"The payment reference",[673,712,713,716,719],{},[691,714,715],{},"Expiry pressure",[691,717,718],{},"Voucher holds value until used",[691,720,721],{},"Order usually expires if unpaid within a set window",[673,723,724,727,730],{},[691,725,726],{},"Best for",[691,728,729],{},"Repeat online spenders, gaming, airtime",[691,731,732],{},"Once-off e-commerce orders",[585,734,736],{"id":735},"why-offer-voucher-and-cash-options","Why Offer Voucher and Cash Options?",[615,738,739,745,751,757],{},[596,740,741,744],{},[620,742,743],{},"Financial inclusion."," A meaningful portion of South African consumers transact primarily in cash; these methods make them addressable online.",[596,746,747,750],{},[620,748,749],{},"No payment declines."," Funds are confirmed before the merchant fulfils.",[596,752,753,756],{},[620,754,755],{},"Low fraud risk."," There are no card details to steal and no chargebacks to defend.",[596,758,759,762],{},[620,760,761],{},"Trust bridge."," Cash-first customers can try online shopping without exposing banking details.",[578,764,765],{},"The trade-offs are conversion friction (an extra trip to a store for cash-at-till), unpaid-order expiry management, and refunds — since there is no card to reverse, refunds typically need an alternative payout channel.",[585,767,769],{"id":768},"what-should-merchants-consider","What Should Merchants Consider?",[615,771,772,775,778,781],{},[596,773,774],{},"Set a sensible expiry window for unpaid cash-at-till orders and release stock automatically when it lapses.",[596,776,777],{},"Agree a refund mechanism with your provider upfront, such as a payout to a bank account or a replacement voucher.",[596,779,780],{},"Reconcile provider settlements against confirmed orders daily using payment references.",[596,782,783],{},"Present the option clearly at checkout with simple instructions, since the flow is unfamiliar to some customers.",[585,785,787],{"id":786},"tips","Tips",[615,789,790,793,796,799],{},[596,791,792],{},"Show the nearest participating retailers or a store list in the payment instructions.",[596,794,795],{},"Send the payment reference by SMS or email so the customer has it at the till.",[596,797,798],{},"Never fulfil before the provider confirms the cash has been received.",[596,800,801],{},"Treat voucher PIN handling in your systems with the same care as card data — a leaked PIN is spendable cash.",[585,803,805],{"id":804},"related-topics","Related Topics",[615,807,808,813,818,823],{},[596,809,810],{},[811,812,112],"a",{"href":113},[596,814,815],{},[811,816,817],{"href":214},"How Do You Choose Payment Methods?",[596,819,820],{},[811,821,822],{"href":190},"How Do You Accept Payments Online?",[596,824,825],{},[811,826,827],{"href":140},"What Is Mobile Money and How Does It Work?",{"title":829,"searchDepth":830,"depth":831,"links":832},"",1,2,[833,834,835,836,837,838],{"id":587,"depth":831,"text":588},{"id":644,"depth":831,"text":645},{"id":735,"depth":831,"text":736},{"id":768,"depth":831,"text":769},{"id":786,"depth":831,"text":787},{"id":804,"depth":831,"text":805},"How prepaid vouchers like 1Voucher and cash-at-till services let customers without cards pay for online purchases at retail stores.","md",null,{},{"title":135},{"title":573,"description":839},{"loc":136},"IA1QFFF1-cuS3rrh7vCg-Lvc6ZaYylCkXviUS6kMObc",[848,850],{"title":131,"path":132,"stem":133,"description":849,"children":-1},"How buy now, pay later splits purchases into interest-free instalments, who carries the credit risk, and what BNPL costs merchants in South Africa.",{"title":139,"path":140,"stem":141,"description":851,"children":-1},"How mobile money wallets store value against a phone number, why they dominate payments across Africa, and how businesses can accept them.",1785156454872]