ARE YOU A MERCHANT OR A DEVELOPER?
VodaPay payment gateway application
What you need to apply
To complete your application you need an active email and the following:
Identification
Have your Green ID Book or Smart Card ready in JPEG format.
Documentation
You'll need your bank statement or bank confirmation letter in PDF or JPEG format.
Photo of yourself
Use your camera or webcam to take a selfie for verification.
You will also need to provide the following details
Location
Your business must be located in South Africa
Policies
Your policies must be displayed on your website
Monthly Turnover
We need your monthly turnover to make an informed decision
Business Details
Provide your e-Commerce website URL
Your Details
Customer service email address or telephone number must be visible on your business website
Take A Selfie
Your picture helps us to protect you from identity fraud
Banking Details
Provide your business banking details to process the application
How do you integrate with VodaPay payment gateway?
To complete your integration, first do a test integration against Vodacom's staging environment, before moving onto the production environment. Once the test integration process is complete, the staging detail will need to be substituted with the production detail.
If you require any technical support during your integration/development phase, please contact Vodacom's integration support team at the following email address:
[email protected]
This section aims to provide you with a high-level integration overview as well where to find the relevant information to integrate quickly and successfully.
Access technical integration document here.
Choose your preferred integration method
Customise your payment page
How to get your brand clearly visible
Add your logo
Display your logo on the payments page. Simply send us a link to the image
Logo image specifications are as follows:
- Minimum height 50px max 100px
- Width is determined by height. Keep aspect ratio
- Formats PNG or JPEG
- No size limit
Access a wide range of services
Improve your customer checkout experience and reduce cart abandonment with recurring subscription payments, split payments and payment requests.
Contact number to find out more and to activate.
Using the VodaPay Merchant Portal
Whether you sell your products and services online, on social media, in-store or on the move, we can help you accept payments safely, easily and quickly.
You'll have access to a portal to manage your devices, download merchant statements and export your transaction history. Soon, you'll also be able to send receipts via email.
The VodaPay Merchant Portal allows you to view all your transactions and sales made across all our payment solutions including eCommerce, VodaPay Max and VodaPay Chop Chop.
How and when do I get paid?
At the end of each business day, VodaPay will perform a settlement process which considers all successful payments processed on your behalf as well as any refunds that you have performed.
On the next business day, VodaPay will calculate the amount due to you by offsetting any debits such as refunds or transaction fees, against payments received. The remaining balance is then paid into your designated clearing bank account.
A detailed view of this can be found on the Account Transactions screen of the merchant portal. Invoices for fees charged by VodaPay are available on the Documents screen on the merchant portal.
Do you need help?
To have your questions answered, please visit our FAQ section. It covers several commonly asked questions that may provide you with the answers you need. Alternatively, please contact our call centre and our friendly agents will be happy to help you.
Website: http://voda.com/accept-payments
Email: [email protected]
Call Centre: 0800 000 654 Free from any network
Call centre operating hours
Monday to Sunday 8:00am to 7:00pm with after-hours emergency support
FAQs
Merchant Portal Questions And Answers
The Vodacom merchant portal provides reporting on all your transactions. Access the Merchant Portal on: https://vodapay.vodacom.co.za/merchant/index.html#/
Fees are calculated based on your monthly turnover and the payment methods you wish to accept from your customers. When a payment is successfully processed on the payment gateway, we will calculate the fee based on the transaction amount and the payment method used.
You can apply online here https://vodapay.vodacom.co.za/onboarding/start
- When a customer initiates a purchase by selecting to checkout, they are navigated to a payment page displaying the available payment options.
- The customer selects their preferred payment method and captures the required information
- The payment gateway confirms that there are sufficient funds for the transaction by checking with the customer’s bank (Issuing Bank).
- Once the transaction has been approved, the payment gateway informs the merchant’s website that the transaction can be completed.
- The payment gateway informs the acquiring bank to transfer funds from the customer’s account so that the merchant can be settled for the transaction.
A Dispute occurs when a buyer asks their issuing bank to reverse a transaction that has already been cleared. This tends to happen mainly due to a card being used fraudulently or when a customer feels that their order was not fulfilled by the merchant. If the merchant should fail to respond to the Dispute, it will result in a Chargeback
How Chargebacks work
Step One - Dispute is raised
The process is triggered when the Cardholder logs a dispute with the Issuing Bank.
- The issuing bank verifies whether the dispute is valid or invalid.
- If the issuer views the dispute as invalid, the chargeback process will end at this stage.
- The cardholder will be notified of the decision.
Step Two - Dispute is logged
If the dispute is determined to be valid, or at least worthy of further investigation.
- The Issuing bank will assign a reason code and electronically transmit all the dispute data to the Acquiring bank.
- The cardholder will be issued with a temporary credit while the dispute is being investigated.
Step Three - Dispute is transmitted to the Acquiring Bank
- The dispute data is recorded and electronically transmitted to the Acquiring Bank,
- SLAs for the Acquiring bank to reply are triggered.
Step Four - The Acquirer receives the dispute
When the Acquiring Bank receives the dispute, they:
- Investigate the transaction details on the Card Association portal where the transactional log is stored,
- The bank then logs an incident on their system in order to keep track of the SLA to reply to the Issuing bank.
Step Five - Supporting evidence is requested from Merchant
- The Acquiring bank then requests the transaction re-presentment documents to be used as fulfilment of the dispute from the Merchant in writing; this request is a call-to-action for the merchant to gather and submit compelling evidence the remedy the dispute,
- The request consists of the transaction details, the reason for the dispute, what documentation to provide or how to deal with the dispute and the due date for the Merchant to reply.
Step Six - When the Merchant receives the dispute, the Merchant:
- Will assess the request,
- Collect the transaction evidence in accordance with the request,
- Submits the evidence back to the Acquiring bank.
- However, if the Merchant doesn't reply to the Acquirer in time; then they lose their re-presentation rights and therefore will be debited for the full value of the dispute and in addition, the Card Association will impose a chargeback fee.
- When the acquirer receives the merchant's evidence from the merchant, then they'll pass this along to the Card Association, which will be sent it to the Issuer, and then back to the Cardholder.
If you are a Vodacom merchant, your store is configured to process 3D secure authenticated card transactions. This means that all customers will need to authenticate (either OTP or in-app) their transaction for it to be processed successfully.
The only exception to this is the recurring/subscription payments functionality where the initial transaction is 3-D secure authenticated, and all subsequent transactions are non-3-D secure.
One of the critical success factors of the authentication schemes is to remove chargebacks from the system. Each of the card issuers are adding edits to ensure, wherever possible, that you are not charged back for a transaction that was authenticated.
PCI Data Security Standard or PCI DSS are the standards governing the credit card industry. The main aim of these standards is to create a safe environment for credit card transactions and minimize the risk of financial fraud.
Vodacom adheres to international PCI (payment card industry) compliance standards for data security for the credit card data handled by Vodacom. All internal processes strictly adhere to the PCI-DSS level 1 certification.
Vodacom enables your business to accept:
- Credit & Debit cards
- Instant EFT with OZOW
- QR payments
To access the Vodacom Terms and Conditions, click the following link
Download plugins
View developer pages
The VodaPay Gateway Provider-Channel (PSP-Channel) is primarily a reach solution. It aggregates both card present transactions originating from merchant systems and card-not-present transactions such as e-commerce.
For card-present transactions, it supports integrated Points of Sale, self-service devices and terminal systems. For card-not-present transactions, it accepts input from payment channels such as mobile and online purchases. A web-based commerce portal with 3-D Secure, instant EFT and QR code payment options is part of the solution.
The VodaPay Gateway API is an integration point into the PSP-Channel solution, enabling front-end mobile commerce and e-commerce applications to introduce transactions directly into the system's transaction processing flow.
Contact us for more information
Monday to Friday:
8:00 AM to 6:00 PM
Weekends and Public Holidays:
9:00 AM to 2:00 PM