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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).

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How a Capitec Pay payment works

Capitec Pay is a redirect payment method:
  1. The customer selects Capitec Pay at checkout.
  2. Payrails returns a redirect URL from dLocal, and the customer goes to the dLocal payment page.
  3. The customer approves the payment with their bank.
  4. The customer returns to your returnInfo URL.
  5. 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.

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Supported currencies and countries

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

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Integrate Capitec Pay

Choose the PSP that processes Capitec Pay for you. The guide covers the PSP-side setup, the Payrails configuration and the request fields that PSP requires.

dLocal

Capitec Pay via dLocal

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Check PSPs

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Ways to integrate Capitec Pay

  • Payrails SDK: the Web SDK shows Capitec Pay when your workflow returns it as a payment option.
  • Payrails API: call lookup payment options, then authorize with capitecPay as the paymentMethodCode. The PSP guide lists the meta fields that PSP requires.
In both cases, confirm the final result through webhook notifications or the execution status.
Last modified on October 5, 2026