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EFT Pro is an instant bank payment method in South Africa, offered by PayU. Customers pick their bank, sign in to online banking and pay by electronic funds transfer (EFT), with no card needed. Payrails processes EFT Pro through PayU. Pick the PSP below for its setup steps and request examples.

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How an EFT Pro payment works

EFT Pro is a bank redirect payment method:
  1. The customer selects EFT Pro at checkout.
  2. Payrails returns a redirect URL from the PSP, and the customer goes to the PSP’s payment page.
  3. The customer picks their bank and signs in to online banking. Then they confirm the transfer.
  4. The PSP sends the customer back to your returnInfo URL.
  5. Payrails receives the final result from the PSP and updates the payment.
Each payment is single-use: the customer confirms every payment on its own. Payrails captures EFT Pro payments immediately, so a successful payment is final. To return funds, refund the payment.

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Supported currencies and countries

EFT Pro supports ZAR (South African rand) as its only presentment currency.

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Integrate EFT Pro

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

PayU

EFT Pro via PayU

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Check PSPs

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Ways to integrate EFT Pro

  • Payrails SDK: the Web SDK shows EFT Pro when your workflow returns it as a payment option, and redirects the customer to the PSP’s payment page. To control how the redirect opens, listen for the actionRequired event.
  • Payrails API: call lookup payment options, then authorize with eftPro 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. Don’t treat the customer’s return to your success URL as proof of payment.
Last modified on October 5, 2026