Capitec Pay

Capitec Pay is a bank payment method in South Africa. Customers of Capitec Bank approve the payment with their bank instead of entering card details. Payrails processes Capitec Pay through dLocal as the payment service provider (PSP).

How a Capitec Pay payment works

Capitec Pay is a redirect payment method:

The customer selects Capitec Pay at checkout.
Payrails returns a redirect URL from dLocal, and the customer goes to the dLocal payment page.
The customer approves the payment with their bank.
The customer returns to your returnInfo URL.
Payrails receives the final result from dLocal and updates the payment.

Each payment is single-use: the customer approves every payment on its own. Payrails captures Capitec Pay payments immediately, so a successful payment is final. To return funds, refund the payment.

Supported currencies and countries

Capitec Pay supports ZAR (South African rand) as its only presentment currency.

Supported workflows

Before you begin

Complete these steps before you send your first Capitec Pay payment through dLocal:

Set up a dLocal integration in your workspace. Follow the dLocal integration setup guide if you don’t have one yet.
Ask dLocal to enable Capitec Pay on your dLocal account.
In the Payrails Portal, go to Settings → Integrations, open your dLocal integration, select Capitec Pay under Payment methods, and save.
Add Capitec Pay as a payment option in your workflow.

Request fields for dLocal

Send these fields in the authorize request, in addition to the standard authorize fields. Payrails checks Required fields and returns an error when one is missing. Fields required by the PSP pass the Payrails checks but the PSP can decline the payment without them.

Field	Status	Description
`amount.currency`	Required	Must be `ZAR`. Payrails rejects other currencies.
`meta.customer.country`	Required	The customer’s country object. Payrails sends `ZA` to dLocal for every Capitec Pay payment, whatever `country.code` you send.
`meta.customer.name`	Required	Sent to dLocal as the payer name, together with `meta.customer.lastName`.
`meta.customer.email`	Required	Sent to dLocal as the payer email.
`meta.customer.identityCardNumber`	Required by dLocal	The customer’s South African ID number. Sent to dLocal as the payer document.
`meta.customer.lastName`	Recommended	Added to the payer name.
`meta.customer.phone`	Optional	Sent to dLocal as the payer phone number.
`meta.order.billingAddress`	Optional	Sent to dLocal as the payer address. `meta.order.deliveryAddress` takes priority when both are present.
`meta.order.description`	Optional	Sent to dLocal as the payment description.
`meta.clientContext.ipAddress`	Optional	Sent to dLocal as the payer IP address.

Authorize a Capitec Pay payment

Call authorize a payment with capitecPay as the paymentMethodCode. The response includes the redirect to the dLocal payment page.

Authorize request

{
  "amount": {
    "value": "350.00",
    "currency": "ZAR"
  },
  "paymentComposition": [
    {
      "integrationType": "api",
      "paymentMethodCode": "capitecPay",
      "amount": {
        "value": "350.00",
        "currency": "ZAR"
      }
    }
  ],
  "meta": {
    "customer": {
      "name": "Thandi",
      "lastName": "Mokoena",
      "email": "thandi.mokoena@example.com",
      "identityCardNumber": "9001015009087",
      "country": {
        "code": "ZA"
      }
    }
  },
  "returnInfo": {
    "success": "https://example.com/success",
    "error": "https://example.com/error"
  }
}

After the customer approves the payment, they return to your success or error URL. Confirm the result through webhook notifications or the execution status before you fulfill the order.

How dLocal handles Capitec Pay

dLocal returns a redirect URL to its hosted payment page. The payment stays pending until the customer approves it, and Payrails completes it from the dLocal notification.
Payrails captures Capitec Pay payments through dLocal immediately, so a successful payment is final. To return funds, refund the payment.
Saving the instrument and merchant-initiated transactions (MIT) aren’t available.

Getting Started

Payment Orchestration

Token Vault

Analytics & Reporting

Fraud Management

Chargebacks

Monitoring

Resources

Use Cases

How a Capitec Pay payment works

Supported currencies and countries

Supported workflows

Before you begin

Request fields for dLocal

Authorize a Capitec Pay payment

How dLocal handles Capitec Pay

​How a Capitec Pay payment works

​Supported currencies and countries

​Supported workflows

​Before you begin

​Request fields for dLocal

​Authorize a Capitec Pay payment

​How dLocal handles Capitec Pay

How a Capitec Pay payment works

Supported currencies and countries

Supported workflows

Before you begin

Request fields for dLocal

Authorize a Capitec Pay payment

How dLocal handles Capitec Pay