[{"data":1,"prerenderedAt":905},["ShallowReactive",2],{"navigation":3,"\u002Flegal\u002Fpayment-methods\u002Fpayshap":262,"\u002Flegal\u002Fpayment-methods\u002Fpayshap-surround":902},[4,8,12,16,81,98,115,152,248],{"title":5,"path":6,"stem":7},"Home","\u002Fhome","1.home",{"title":9,"path":10,"stem":11},"Insights","\u002Finsights","2.insights",{"title":13,"path":14,"stem":15},"Transactions","\u002Ftransactions","3.transactions",{"title":17,"path":18,"stem":19,"children":20,"page":38},"Money In","\u002Fmoney-in","4.money-in",[21,39,43,64,77],{"title":22,"path":23,"stem":24,"children":25,"page":38},"Get Paid","\u002Fmoney-in\u002Fget-paid","4.money-in\u002F1.get-paid",[26,30,34],{"title":27,"path":28,"stem":29},"Payment Links","\u002Fmoney-in\u002Fget-paid\u002Fpayment-links","4.money-in\u002F1.get-paid\u002F1.payment-links",{"title":31,"path":32,"stem":33},"Pay Buttons","\u002Fmoney-in\u002Fget-paid\u002Fpay-buttons","4.money-in\u002F1.get-paid\u002F2.pay-buttons",{"title":35,"path":36,"stem":37},"Electronic Mandates","\u002Fmoney-in\u002Fget-paid\u002Felectronic-mandates","4.money-in\u002F1.get-paid\u002F3.electronic-mandates",false,{"title":40,"path":41,"stem":42},"Customers","\u002Fmoney-in\u002Fcustomers","4.money-in\u002F2.customers",{"title":44,"path":45,"stem":46,"children":47,"page":38},"Recurring","\u002Fmoney-in\u002Frecurring","4.money-in\u002F3.recurring",[48,52,56,60],{"title":49,"path":50,"stem":51},"Collections","\u002Fmoney-in\u002Frecurring\u002Fcollections","4.money-in\u002F3.recurring\u002F1.collections",{"title":53,"path":54,"stem":55},"Subscriptions","\u002Fmoney-in\u002Frecurring\u002Fsubscriptions","4.money-in\u002F3.recurring\u002F2.subscriptions",{"title":57,"path":58,"stem":59},"Mandates","\u002Fmoney-in\u002Frecurring\u002Fmandates","4.money-in\u002F3.recurring\u002F4.mandates",{"title":61,"path":62,"stem":63},"Stored Cards","\u002Fmoney-in\u002Frecurring\u002Fstored-cards","4.money-in\u002F3.recurring\u002F5.stored-cards",{"title":65,"path":66,"stem":67,"children":68,"page":38},"Commerce","\u002Fmoney-in\u002Fcommerce","4.money-in\u002F4.commerce",[69,73],{"title":70,"path":71,"stem":72},"Invoices","\u002Fmoney-in\u002Fcommerce\u002Finvoices","4.money-in\u002F4.commerce\u002F1.invoices",{"title":74,"path":75,"stem":76},"Products","\u002Fmoney-in\u002Fcommerce\u002Fproducts","4.money-in\u002F4.commerce\u002F2.products",{"title":78,"path":79,"stem":80},"Terminals","\u002Fmoney-in\u002Fterminals","4.money-in\u002F5.terminals",{"title":82,"path":83,"stem":84,"children":85,"page":38},"Money Out","\u002Fmoney-out","5.money-out",[86,90,94],{"title":87,"path":88,"stem":89},"Balances","\u002Fmoney-out\u002Fbalance","5.money-out\u002F1.balance",{"title":91,"path":92,"stem":93},"Recipients","\u002Fmoney-out\u002Frecipients","5.money-out\u002F2.recipients",{"title":95,"path":96,"stem":97},"Payouts","\u002Fmoney-out\u002Fpayouts","5.money-out\u002F3.payouts",{"title":99,"path":100,"stem":101,"children":102,"page":38},"Developers","\u002Fdevelopers","6.developers",[103,107,111],{"title":104,"path":105,"stem":106},"Access Tokens","\u002Fdevelopers\u002Faccess-tokens","6.developers\u002F1.access-tokens",{"title":108,"path":109,"stem":110},"Integrations","\u002Fdevelopers\u002Fintegrations","6.developers\u002F2.integrations",{"title":112,"path":113,"stem":114},"Webhooks","\u002Fdevelopers\u002Fwebhooks","6.developers\u002F3.webhooks",{"title":116,"path":117,"stem":118,"children":119,"page":38},"Settings","\u002Fsettings","7.settings",[120,124,128,132,136,140,144,148],{"title":121,"path":122,"stem":123},"Profile","\u002Fsettings\u002Fprofile","7.settings\u002F1.profile",{"title":125,"path":126,"stem":127},"Business Information","\u002Fsettings\u002Fbusiness-info","7.settings\u002F2.business-info",{"title":129,"path":130,"stem":131},"Branding","\u002Fsettings\u002Fbranding","7.settings\u002F3.branding",{"title":133,"path":134,"stem":135},"Invoice Settings","\u002Fsettings\u002Finvoices","7.settings\u002F4.invoices",{"title":137,"path":138,"stem":139},"Payment Methods","\u002Fsettings\u002Fpayment-methods","7.settings\u002F5.payment-methods",{"title":141,"path":142,"stem":143},"Teams","\u002Fsettings\u002Fteams","7.settings\u002F6.teams",{"title":145,"path":146,"stem":147},"Security","\u002Fsettings\u002Fsecurity","7.settings\u002F7.security",{"title":149,"path":150,"stem":151},"History","\u002Fsettings\u002Fhistory","7.settings\u002F8.history",{"title":153,"path":154,"stem":155,"children":156,"page":38},"Legal","\u002Flegal","8.legal",[157,161,165,169,216,220,224,228,232,236,240,244],{"title":158,"path":159,"stem":160},"Merchant Agreement","\u002Flegal\u002Fmerchant-agreement","8.legal\u002F1.merchant-agreement",{"title":162,"path":163,"stem":164},"Collections Services Policy","\u002Flegal\u002Fcollections-services-policy","8.legal\u002F10.collections-services-policy",{"title":166,"path":167,"stem":168},"Payer Terms","\u002Flegal\u002Fpayer-terms","8.legal\u002F11.payer-terms",{"title":137,"path":170,"stem":171,"children":172,"page":38},"\u002Flegal\u002Fpayment-methods","8.legal\u002F12.payment-methods",[173,177,181,184,188,192,196,200,204,208,212],{"title":174,"path":175,"stem":176},"Card Payments","\u002Flegal\u002Fpayment-methods\u002Fcard-payments","8.legal\u002F12.payment-methods\u002F1.card-payments",{"title":178,"path":179,"stem":180},"Payat","\u002Flegal\u002Fpayment-methods\u002Fpayat","8.legal\u002F12.payment-methods\u002F10.payat",{"title":95,"path":182,"stem":183},"\u002Flegal\u002Fpayment-methods\u002Fpayouts","8.legal\u002F12.payment-methods\u002F11.payouts",{"title":185,"path":186,"stem":187},"Apple Pay","\u002Flegal\u002Fpayment-methods\u002Fapple-pay","8.legal\u002F12.payment-methods\u002F2.apple-pay",{"title":189,"path":190,"stem":191},"Google Pay","\u002Flegal\u002Fpayment-methods\u002Fgoogle-pay","8.legal\u002F12.payment-methods\u002F3.google-pay",{"title":193,"path":194,"stem":195},"Pay By Bank","\u002Flegal\u002Fpayment-methods\u002Fpay-by-bank","8.legal\u002F12.payment-methods\u002F4.pay-by-bank",{"title":197,"path":198,"stem":199},"Snapscan","\u002Flegal\u002Fpayment-methods\u002Fsnapscan","8.legal\u002F12.payment-methods\u002F5.snapscan",{"title":201,"path":202,"stem":203},"Zapper","\u002Flegal\u002Fpayment-methods\u002Fzapper","8.legal\u002F12.payment-methods\u002F6.zapper",{"title":205,"path":206,"stem":207},"Payshap","\u002Flegal\u002Fpayment-methods\u002Fpayshap","8.legal\u002F12.payment-methods\u002F7.payshap",{"title":209,"path":210,"stem":211},"Moneybadger","\u002Flegal\u002Fpayment-methods\u002Fmoneybadger","8.legal\u002F12.payment-methods\u002F8.moneybadger",{"title":213,"path":214,"stem":215},"1voucher","\u002Flegal\u002Fpayment-methods\u002F1voucher","8.legal\u002F12.payment-methods\u002F9.1voucher",{"title":217,"path":218,"stem":219},"Fees And Pricing","\u002Flegal\u002Ffees-and-pricing","8.legal\u002F2.fees-and-pricing",{"title":221,"path":222,"stem":223},"Privacy Notice","\u002Flegal\u002Fprivacy-notice","8.legal\u002F3.privacy-notice",{"title":225,"path":226,"stem":227},"Data Processing Addendum","\u002Flegal\u002Fdata-processing-addendum","8.legal\u002F4.data-processing-addendum",{"title":229,"path":230,"stem":231},"Information Security Policy","\u002Flegal\u002Finformation-security-policy","8.legal\u002F5.information-security-policy",{"title":233,"path":234,"stem":235},"Acceptable Use Policy","\u002Flegal\u002Facceptable-use-policy","8.legal\u002F6.acceptable-use-policy",{"title":237,"path":238,"stem":239},"Sanctions And Aml Policy","\u002Flegal\u002Fsanctions-and-aml-policy","8.legal\u002F7.sanctions-and-aml-policy",{"title":241,"path":242,"stem":243},"Chargeback And Dispute Policy","\u002Flegal\u002Fchargeback-and-dispute-policy","8.legal\u002F8.chargeback-and-dispute-policy",{"title":245,"path":246,"stem":247},"Security Requirements","\u002Flegal\u002Fsecurity-requirements","8.legal\u002F9.security-requirements",{"title":249,"path":250,"stem":251,"children":252,"page":38},"Faq","\u002Ffaq","9.faq",[253],{"title":254,"path":255,"stem":256,"children":257,"page":38},"Eft Debit Order","\u002Ffaq\u002Feft-debit-order","9.faq\u002F1.eft-debit-order",[258],{"title":259,"path":260,"stem":261},"Minimum Mandate Requirements","\u002Ffaq\u002Feft-debit-order\u002Fminimum-mandate-requirements","9.faq\u002F1.eft-debit-order\u002F1.minimum-mandate-requirements",{"id":263,"title":205,"body":264,"description":895,"extension":896,"links":897,"meta":898,"navigation":899,"path":206,"seo":900,"stem":207,"__hash__":901},"docs\u002F8.legal\u002F12.payment-methods\u002F7.payshap.md",{"type":265,"value":266,"toc":875},"minimark",[267,275,281,284,289,300,303,306,309,352,354,358,361,381,384,386,390,393,396,413,416,419,421,425,428,445,448,468,471,473,477,480,483,500,503,505,509,512,515,532,535,537,541,544,570,573,590,592,596,599,602,624,627,629,633,638,641,644,647,664,666,670,673,676,693,702,704,708,711,733,736,738,742,745,767,770,772,776,779,799,802,804,808,811,836,838,842,845,865,868,872],[268,269,270,274],"p",{},[271,272,273],"strong",{},"Version:"," 1.2",[268,276,277,280],{},[271,278,279],{},"Effective Date:"," 2026-06-11",[282,283],"hr",{},[285,286,288],"h2",{"id":287},"_1-purpose","1. Purpose",[268,290,291,292,295,296,299],{},"This PayShap Policy (\"",[271,293,294],{},"Policy","\") forms part of the ",[297,298,158],"a",{"href":159},".",[268,301,302],{},"This Policy governs the Merchant's acceptance of PayShap transactions processed through the Services.",[268,304,305],{},"PayShap enables Customers to make real-time account-to-account payments using participating South African financial institutions, operating on the rapid payments programme established under the National Payment System Act 78 of 1998 and operated by BankservAfrica under the oversight of the Payments Association of South Africa (PASA) and the South African Reserve Bank.",[268,307,308],{},"This Policy should be read together with the following documents:",[310,311,312,317,322,326,330,334,338,342,347],"ul",{},[313,314,315],"li",{},[297,316,158],{"href":159},[313,318,319],{},[297,320,321],{"href":218},"Fees & Pricing",[313,323,324],{},[297,325,221],{"href":222},[313,327,328],{},[297,329,225],{"href":226},[313,331,332],{},[297,333,229],{"href":230},[313,335,336],{},[297,337,245],{"href":246},[313,339,340],{},[297,341,233],{"href":234},[313,343,344],{},[297,345,346],{"href":238},"Sanctions and Anti-Money Laundering Policy",[313,348,349],{},[297,350,351],{"href":242},"Chargeback & Dispute Policy",[282,353],{},[285,355,357],{"id":356},"_2-scope","2. Scope",[268,359,360],{},"This Policy applies to all PayShap transactions processed through the Services, including transactions initiated through:",[310,362,363,366,369,372,375,378],{},[313,364,365],{},"Hosted Checkout;",[313,367,368],{},"Embedded Checkout;",[313,370,371],{},"Payment Links;",[313,373,374],{},"Merchant APIs;",[313,376,377],{},"Mobile Applications; and",[313,379,380],{},"any other PayShap integration supported by Kwik.",[268,382,383],{},"PayShap transactions are facilitated through participating South African financial institutions and any Underlying Payment Providers approved by Kwik.",[282,385],{},[285,387,389],{"id":388},"_3-underlying-payment-infrastructure","3. Underlying Payment Infrastructure",[268,391,392],{},"PayShap transactions are processed using the South African real-time payment infrastructure.",[268,394,395],{},"By enabling or using PayShap, the Merchant acknowledges that transactions are subject to:",[310,397,398,401,404,407,410],{},[313,399,400],{},"participating bank requirements;",[313,402,403],{},"payment infrastructure rules;",[313,405,406],{},"operational requirements imposed by Kwik;",[313,408,409],{},"Applicable Law; and",[313,411,412],{},"any additional rules imposed by participating payment partners.",[268,414,415],{},"Kwik relies on the payment infrastructure operator's and participating financial institutions' own compliance with Applicable Law and does not independently verify or guarantee that compliance.",[268,417,418],{},"Kwik may add, remove or replace supporting payment infrastructure without requiring an amendment to this Policy.",[282,420],{},[285,422,424],{"id":423},"_4-availability","4. Availability",[268,426,427],{},"PayShap is available only:",[310,429,430,433,436,439,442],{},[313,431,432],{},"where supported by Kwik;",[313,434,435],{},"where supported by the participating financial institution;",[313,437,438],{},"where the Customer successfully authorises the payment;",[313,440,441],{},"where sufficient funds are available; and",[313,443,444],{},"where the transaction is successfully approved.",[268,446,447],{},"Availability may vary due to:",[310,449,450,453,456,459,462,465],{},[313,451,452],{},"banking outages;",[313,454,455],{},"maintenance windows;",[313,457,458],{},"network interruptions;",[313,460,461],{},"operational issues;",[313,463,464],{},"fraud controls; or",[313,466,467],{},"regulatory requirements.",[268,469,470],{},"Kwik does not guarantee uninterrupted availability.",[282,472],{},[285,474,476],{"id":475},"_5-customer-authorisation","5. Customer Authorisation",[268,478,479],{},"Customers authorise PayShap payments directly with their participating financial institution.",[268,481,482],{},"Kwik does not:",[310,484,485,488,491,494,497],{},[313,486,487],{},"collect internet banking credentials;",[313,489,490],{},"authenticate Customers on behalf of banks;",[313,492,493],{},"control Customer authentication methods;",[313,495,496],{},"determine authentication outcomes; or",[313,498,499],{},"manage Customer banking sessions.",[268,501,502],{},"The Merchant shall never request or collect Customer banking credentials.",[282,504],{},[285,506,508],{"id":507},"_6-payment-finality","6. Payment Finality",[268,510,511],{},"Once a PayShap transaction has been successfully authorised and processed, it is generally considered final.",[268,513,514],{},"Completed PayShap payments cannot ordinarily be cancelled or reversed solely because:",[310,516,517,520,523,526,529],{},[313,518,519],{},"the Customer changes their mind;",[313,521,522],{},"goods are returned;",[313,524,525],{},"services are cancelled;",[313,527,528],{},"an ordering mistake occurred; or",[313,530,531],{},"the Customer disputes the commercial transaction.",[268,533,534],{},"Where Applicable Law, a participating financial institution or the applicable payment infrastructure permits a reversal, such reversal shall be governed by the applicable operational rules.",[282,536],{},[285,538,540],{"id":539},"_7-merchant-responsibilities","7. Merchant Responsibilities",[268,542,543],{},"The Merchant shall:",[310,545,546,549,552,555,558,561,564,567],{},[313,547,548],{},"provide accurate payment information;",[313,550,551],{},"accurately describe the goods or services being purchased;",[313,553,554],{},"fulfil customer orders promptly;",[313,556,557],{},"maintain appropriate customer support processes;",[313,559,560],{},"comply with Applicable Law;",[313,562,563],{},"comply with the Merchant Agreement;",[313,565,566],{},"comply with this Policy; and",[313,568,569],{},"comply with all operational requirements applicable to PayShap.",[268,571,572],{},"The Merchant shall not:",[310,574,575,578,581,584,587],{},[313,576,577],{},"interfere with the PayShap payment flow;",[313,579,580],{},"misrepresent PayShap functionality;",[313,582,583],{},"attempt to manipulate payment confirmations;",[313,585,586],{},"request Customer banking credentials; or",[313,588,589],{},"use PayShap for unlawful purposes.",[282,591],{},[285,593,595],{"id":594},"_8-settlement","8. Settlement",[268,597,598],{},"PayShap is designed to support near real-time payments.",[268,600,601],{},"However, settlement timing may vary depending upon:",[310,603,604,607,610,613,615,618,621],{},[313,605,606],{},"participating financial institutions;",[313,608,609],{},"fraud monitoring;",[313,611,612],{},"operational verification;",[313,614,455],{},[313,616,617],{},"regulatory requirements;",[313,619,620],{},"weekends or public holidays; and",[313,622,623],{},"exceptional operational circumstances.",[268,625,626],{},"Kwik does not guarantee a specific settlement timeframe.",[282,628],{},[285,630,632],{"id":631},"_9-refunds","9. Refunds",[268,634,635,636,299],{},"Refunds are governed by the ",[297,637,351],{"href":242},[268,639,640],{},"Where a Customer is entitled to receive funds, the Merchant must initiate a separate refund transaction.",[268,642,643],{},"A completed PayShap payment should not be regarded as automatically reversible.",[268,645,646],{},"Refunds remain subject to:",[310,648,649,652,655,658,661],{},[313,650,651],{},"Applicable Law;",[313,653,654],{},"banking requirements;",[313,656,657],{},"fraud screening;",[313,659,660],{},"sanctions screening; and",[313,662,663],{},"Kwik's operational requirements.",[282,665],{},[285,667,669],{"id":668},"_10-disputes","10. Disputes",[268,671,672],{},"PayShap does not operate under traditional card Chargeback rules.",[268,674,675],{},"The Merchant remains responsible for:",[310,677,678,681,684,687,690],{},[313,679,680],{},"customer communications;",[313,682,683],{},"refund obligations;",[313,685,686],{},"supporting evidence;",[313,688,689],{},"product fulfilment; and",[313,691,692],{},"resolving commercial disputes.",[268,694,695,696,698,699,701],{},"The absence of Chargebacks does not limit Kwik's rights under the ",[297,697,351],{"href":242},", the ",[297,700,158],{"href":159},", or Applicable Law.",[282,703],{},[285,705,707],{"id":706},"_11-fraud-prevention","11. Fraud Prevention",[268,709,710],{},"Kwik may delay, suspend or refuse PayShap transactions where reasonably necessary to:",[310,712,713,716,719,721,724,727,730],{},[313,714,715],{},"prevent fraud;",[313,717,718],{},"investigate suspicious activity;",[313,720,560],{},[313,722,723],{},"comply with sanctions obligations;",[313,725,726],{},"comply with financial crime obligations;",[313,728,729],{},"comply with participating bank requirements; or",[313,731,732],{},"protect the integrity of the Services.",[268,734,735],{},"Fraud prevention measures may be implemented before or after payment initiation.",[282,737],{},[285,739,741],{"id":740},"_12-third-party-rules","12. Third-Party Rules",[268,743,744],{},"PayShap transactions are subject to:",[310,746,747,753,756,759,762,764],{},[313,748,749,750,752],{},"the ",[297,751,158],{"href":159},";",[313,754,755],{},"this Policy;",[313,757,758],{},"the rules of participating financial institutions;",[313,760,761],{},"applicable payment infrastructure requirements;",[313,763,409],{},[313,765,766],{},"any additional operational requirements imposed by participating payment partners.",[268,768,769],{},"Where those operational requirements are more restrictive than this Policy, they shall prevail to the extent necessary to process the transaction.",[282,771],{},[285,773,775],{"id":774},"_13-suspension","13. Suspension",[268,777,778],{},"Kwik may suspend PayShap immediately where:",[310,780,781,784,787,790,793,796],{},[313,782,783],{},"required by a participating financial institution;",[313,785,786],{},"required by Applicable Law;",[313,788,789],{},"fraud is suspected;",[313,791,792],{},"suspicious activity is identified;",[313,794,795],{},"continued processing presents an unacceptable operational, financial or regulatory risk; or",[313,797,798],{},"the Merchant breaches this Policy or the Merchant Agreement.",[268,800,801],{},"Suspension of PayShap does not automatically suspend other payment methods.",[282,803],{},[285,805,807],{"id":806},"_14-limitation-of-liability","14. Limitation of Liability",[268,809,810],{},"Without limiting the Merchant Agreement, Kwik shall not be liable for:",[310,812,813,815,818,821,824,827,830,833],{},[313,814,452],{},[313,816,817],{},"delayed payment confirmations;",[313,819,820],{},"Customer authentication failures;",[313,822,823],{},"incorrect payment details provided by the Customer or Merchant;",[313,825,826],{},"failures within participating banking systems;",[313,828,829],{},"delays caused by participating financial institutions;",[313,831,832],{},"transaction failures outside Kwik's reasonable control; or",[313,834,835],{},"losses resulting from the Merchant's failure to verify payment status before fulfilling goods or services.",[282,837],{},[285,839,841],{"id":840},"_15-changes","15. Changes",[268,843,844],{},"Kwik may amend this Policy from time to time to reflect:",[310,846,847,850,853,856,859,862],{},[313,848,849],{},"banking rule changes;",[313,851,852],{},"regulatory developments;",[313,854,855],{},"operational improvements;",[313,857,858],{},"security enhancements;",[313,860,861],{},"technological developments; or",[313,863,864],{},"industry best practices.",[268,866,867],{},"The latest version of this Policy will always be available at:",[268,869,870],{},[271,871,206],{},[268,873,874],{},"Continued use of PayShap after an updated version becomes effective constitutes acceptance of the revised Policy where permitted by Applicable Law.",{"title":876,"searchDepth":877,"depth":878,"links":879},"",1,2,[880,881,882,883,884,885,886,887,888,889,890,891,892,893,894],{"id":287,"depth":878,"text":288},{"id":356,"depth":878,"text":357},{"id":388,"depth":878,"text":389},{"id":423,"depth":878,"text":424},{"id":475,"depth":878,"text":476},{"id":507,"depth":878,"text":508},{"id":539,"depth":878,"text":540},{"id":594,"depth":878,"text":595},{"id":631,"depth":878,"text":632},{"id":668,"depth":878,"text":669},{"id":706,"depth":878,"text":707},{"id":740,"depth":878,"text":741},{"id":774,"depth":878,"text":775},{"id":806,"depth":878,"text":807},{"id":840,"depth":878,"text":841},"Version: 1.2","md",null,{},true,{"description":895},"2_NNmkTfFcFHPcEXthH2MD8hJVH57VMl5TYYN2pORGU",[903,904],{"title":201,"path":202,"stem":203,"description":895,"children":-1},{"title":209,"path":210,"stem":211,"description":895,"children":-1},1783493461704]