Pay2ID​
Instant payments to any verifi ed South African ID holder, no bank account details required
For businesses that make regular payments to individuals, collecting and validating bank account details creates delays, errors, and payment failures. Pay2ID removes that problem. Using only a recipient’s ID number and mobile number, payments are processed in real time, recipients are identity-verifi ed before the fi rst transaction, and funds are available immediately. Supports both individual and bulk payments. 24/7/365.
How Pay2ID Works
Pay2ID makes it simple for businesses to pay any verifi ed South African ID holder. From submission to payment, the entire process is real-time, secure, and built for certainty.
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Submit Payment
Your business submits the recipient’s South African ID number and mobile number via your existing system or integration.
Once verified, the payment is processed in real time or near real time and the funds are available in the recipient’s account immediately.
Payment certainty. Built in.
Recipients are verified before the first payment, giving your business greater confidence that funds are directed to the intended, verified recipient.
How Pay2ID Works
Pay2ID makes it simple for businesses to pay any verifi ed South African ID holder. From submission to payment, the entire process is real-time, secure, and built for certainty.
Instant payments 24*7*365 to anyone with a South African ID number and a cellphone number.
Pay2ID was developed in conjunction with TymeBank and enables business clients to make bulk and individual payments to verified individuals via the easy-to-use Payz Payments Gateway.
Recipients are biometrically verified for the first payment providing recipient identity certainty, and ongoing payments can be easily and safely made.
USE CASES FOR PAY2ID
- Any business that has a need to make low-cost, instant payments to beneficiaries, where recipient identity certainty is a requirement.
- Examples of beneficiaries include employees, contract / seasonal / piece workers, and dividend / insurance / grant / gaming beneficiaries.
- Pay2ID has many applications and when integrated into the operations of a business provides significant process efficiencies
Key Capabilities
Pay2ID removes the friction and risk from high-volume beneficiary payments. Instead of collecting and validating bank account details, businesses initiate payments using only the recipient’s ID number and mobile number. The recipient is verified before the first payment is processed, giving businesses greater confidence that payments are directed to the intended, verified recipient.
Payments are processed in real time or near-real time and are available to the recipient immediately upon account confirmation.
- Bulk and individual payment capability, depending on operational need
- Real-time or near-real time processing, 24/7/365
- ID and mobile number verifi cation before payment release
- Comprehensive real-time transaction reporting
- Fees apply only to successful transactions
- 7-day message validity window; unaccepted funds are returned automatically
Use Cases for Pay2ID
- Employee and contractor disbursements, including seasonal and piece workers
- Insurance claim payouts and policy disbursements
- Gaming and sports betting winnings
- Dividend and shareholder distributions
- Grant and welfare payments
- Loyalty and rewards value distribution
Benefits to your business
Pay2ID reduces the administrative burden of managing benefi ciary bank account data. Because payments are initiated using ID and mobile number only, businesses avoid the delays and errors that come with collecting, validating, and maintaining account details at scale.
Payment certainty
Identity verification before every first transaction confirms funds reach the intended recipient.
Reduced payment failure rates
No invalid account numbers or rejected EFTs.
Simplified compliance
Built-in KYC verifi cation through the identity confi rmation process.
Operational efficiency
Bulk payment capability reduces manual processing time.
Real-time visibility
Transaction reporting gives operations teams a live view of payment status.
Cost control
Fees apply to successful transactions only.
Benefits to the recipient
A real bank account
Recipients receive payments directly into a low-cost, fully functional bank account. No paperwork, no branch visits, and no monthly fees.
Open in under five minutes
If a recipient does not have an account, they are notifi ed via SMS and can open one in under fi ve minutes, via the app, online, or at a kiosk in Pick n Pay, Boxer, and TFG (Foschini Group) stores nationwide. A personalised debit card is issued at kiosk locations at no cost.
Full everyday functionality
The account supports EFTs to other banks, debit card purchases, cash withdrawals, and savings products, at no monthly cost. Over 5 million accounts have been opened, making it one of the most widely adopted digital banking accounts in South Africa.
Brands That Trust Us
A Story Etched in South Africa's Payments History..
With over four decades of experience, our founders were at the forefront of the EFT revolution in South Africa. We helped build the very systems that underpin the country’s financial landscape. This is our legacy and your guarantee of proven expertise.
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about Pay2ID
Whether you are paying employees, contractors, policyholders, loyalty members, or grant recipients, Pay2ID simplifies beneficiary payments while reducing administrative effort and payment failures. Designed to integrate with existing payroll, ERP, and payment systems with minimal operational disruption, it fits into how your business already works. Speak to the Causal Nexus team to fi nd out how.