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PayShap

Payshap product detail

Make and receive payments quickly and securely with PayShap – a digital payment solution that requires zero banking details.

Get started in minutes by using our Banking App or Cellphone Banking by dialing *120*2345#

 

 

Some of the benefits

Faster payments

Funds get paid into your or your recipient’s bank account within minutes

No banking details needed

Use your bank-registered cellphone number for easier payments

Convenient

There’s no need to wait for branch or retail hours as you can transact 24/7
How it works
  • Pay and get paid immediately across banks on our Banking App or Cellphone Banking
  • Pay R7.50 for payments up to R3 000
  • Create a ShapID by linking your cellphone number to your bank account
  • A ShapID removes the need to share your account number to receive payments
  • Your ShapID can be a primary ShapID e.g. 0812345678 or not e.g. 0812345678@standardbank
  • You don’t need to create a ShapID to make payments, the beneficiary needs to send you their ShapID to receive the money
Banking App

To create a ShapID

  • Sign into the Banking App
  • Go to Manage
  • Select PayShap
  • Click on Add ShapID and complete the steps
  • You can view your ShapID anytime under Manage


To send money:

  • Sign into the Banking App
  • Select Transact
  • Select Pay
  • Under Make a once-off payment, select PayShap
  • Enter the recipient’s ShapID detaiis e.g. 0812345678 or 0812345678@standardbank, and complete the steps


To receive money:

  • Share your ShapID (0812345678 or 0812345678@standardbank ) with the person paying you
  • The money will be available within minutes of the payment being done
Please Note: Both banks need to offer PayShap for the transaction to be processed (sending and/or receiving money).
Cellphone banking

To create a ShapID

  • Dial *120*2345# to login to Cellphone Banking
  • Select Login/Register and enter your Customer Selected PIN (CSP)
  • Select Payment and Transfers
  • Select PayShap
  • Select Create ShapID and complete the steps
  • You can view your ShapID anytime under Manage ShapIDs


To send money:

  • Dial *120*2345# to login to Cellphone Banking
  • Select Login/Register and enter your Customer Selected PIN (CSP)
  • Select Payment and Transfers
  • Select PayShap
  • Select Pay
  • Select ShapID (Cellphone number)
  • Enter the recipient’s ShapID e.g. 0812345678 or 0812345678@standardbank, and complete the steps


To receive money:

  • Share your ShapID (0812345678 or 0812345678@standardbank ) with the person paying you
  • The money will be available within minutes of the payment being done

Please Note: Both banks need to offer PayShap for the transaction to be processed (sending and/or receiving money).

  • How it works
  • Banking App
  • Cellphone banking
  • Pay and get paid immediately across banks on our Banking App or Cellphone Banking
  • Pay R7.50 for payments up to R3 000
  • Create a ShapID by linking your cellphone number to your bank account
  • A ShapID removes the need to share your account number to receive payments
  • Your ShapID can be a primary ShapID e.g. 0812345678 or not e.g. 0812345678@standardbank
  • You don’t need to create a ShapID to make payments, the beneficiary needs to send you their ShapID to receive the money

To create a ShapID

  • Sign into the Banking App
  • Go to Manage
  • Select PayShap
  • Click on Add ShapID and complete the steps
  • You can view your ShapID anytime under Manage


To send money:

  • Sign into the Banking App
  • Select Transact
  • Select Pay
  • Under Make a once-off payment, select PayShap
  • Enter the recipient’s ShapID detaiis e.g. 0812345678 or 0812345678@standardbank, and complete the steps


To receive money:

  • Share your ShapID (0812345678 or 0812345678@standardbank ) with the person paying you
  • The money will be available within minutes of the payment being done
Please Note: Both banks need to offer PayShap for the transaction to be processed (sending and/or receiving money).

To create a ShapID

  • Dial *120*2345# to login to Cellphone Banking
  • Select Login/Register and enter your Customer Selected PIN (CSP)
  • Select Payment and Transfers
  • Select PayShap
  • Select Create ShapID and complete the steps
  • You can view your ShapID anytime under Manage ShapIDs


To send money:

  • Dial *120*2345# to login to Cellphone Banking
  • Select Login/Register and enter your Customer Selected PIN (CSP)
  • Select Payment and Transfers
  • Select PayShap
  • Select Pay
  • Select ShapID (Cellphone number)
  • Enter the recipient’s ShapID e.g. 0812345678 or 0812345678@standardbank, and complete the steps


To receive money:

  • Share your ShapID (0812345678 or 0812345678@standardbank ) with the person paying you
  • The money will be available within minutes of the payment being done

Please Note: Both banks need to offer PayShap for the transaction to be processed (sending and/or receiving money).

Frequently Asked Questions
What is PayShap?
PayShap enables quick payments using a cellphone number as an identifier between customers from participating banks. It allows you to receive payments straight into your bank account by just sharing your cellphone number.
Who can use PayShap?

If you have an active transactional or savings account and are registered on our Banking App or Cellphone Banking, you can use PayShap.

Who can I pay using PayShap?

Anyone who has registered for PayShap with their bank and has a ShapID.

What is a ShapID?

You will need to create a ShapID to receive money with PayShap. Go to the Banking App or Cellphone Banking, and choose PayShap to create the ShapID by linking your cellphone number to your bank account number. Now you can send people the ShapID instead of your account when you want them to pay you. Other people and companies can also send you a ShapID.

How much is the PayShap payment limit?
  • PayShap is for payments of up to R 3 000 at a time.
  • For the Banking App, it’s part of your daily limit, which is part of the EAP limit.
  • For Cellphone Banking, it’s part of your ATM limits, which limits payments to R 10 000 a day
What is a Primary ShapID?

You can have multiple ShapIDs with multiple banks, but you can only choose one as your Primary ShapID. A ShapID includes the bank’s name, e.g. 0812345678@standardbank.

A Primary ShapID only has the cellphone number, e.g. 0812345678. If you want to change your Primary ShapID, you will need to edit the status of the existing one.

Once it’s a standard ShapID, e.g. 0812345678@standardbank, you can select a new Primary ShapID.

Can I change or delete my cellphone number for my ShapID ?

Yes, you can change your ShapID from one cellphone number to another or delete the ShapID. Deleting the ShapID will mean you can no longer receive money via the cellphone number.

Steps to manage your ShapID on the Banking App:
Step 1: Sign in
Step 2: Tap on “Manage”
Step 3: Tap on “PayShap”
Step 4: Tap on “Edit” or “Delete”

Steps to manage your ShapID on Cellphone Banking:
Step 1: Dial *120*2345#
Step 2: Go to “PayShap”
Step 3: Select “Manage”
Step 4: Select the PayShap you want to edit or delete
Step 4: Select “Edit” or “Delete”

Can I reverse a PayShap transaction?

PayShap is immediate, so you have to make sure the information is correct before making the payment. You can also use the ShapID verification service to confirm the details.

We also offer
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Instant Money

Need to send money to a friend or relative who doesn’t have a bank account? Instant Money lets you send cash immediately to anyone with a South African cellphone number.

You can also store and spend money safely with an Instant Money Wallet, which works like a basic bank account on your phone.

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SnapScan App

No need to carry cash, wait for the card machine or enter your card details with every online purchase. With SnapScan, you can use your smartphone to make payments, send money to friends and earn UCount Rewards Points. SnapScan is compatible with most bank cards, as well as the Standard Bank Virtual Card.

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Tap to Pay

You can use your credit or debit card to pay by tapping any card device with a contactless symbol*. Every purchase is secure, protecting your data and your account. And don’t worry if you tap twice by accident – you can only be billed once.