Get up to 1.5 million in business funding!

You could access up to R1.5 million with a Business Cash Advance. No admin, no restrictions on how you use your funding. Quick, online application so you can get funds into your account within 72 hours.

Check if you qualify
A card machine for flexible, secure and easy payments

Empower your small business with the VodaPay Kwika card machine. It’s safe, efficient, and portable, which means you run your business and take payments from anywhere in South Africa.

Best of all, delivery is free, there’s no connection fee, and you can track all your transactions.

Secure-Easy-Payment
WHY THE VODAPAY KWIKA CARD MACHINE?

It’s fast, safe, easy & affordable

The Kwika card machine offers you flexibility and security. Check out why so many businesses trust Kwika.

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Fast, safe & secure payments

Customers can safely tap, insert or scan to accept payments. The payment reflects immediately. 

Location
Easy and portable

Take payments anywhere in your shop, building or anywhere in the country!

Connectivity
Stable connectivity

Don’t miss another payment. Our Dual SIM technology ensures you’re always connected.

Savings
Transparent fees

The more payments you take, the less you pay. Fees range 1.85% to 3% on monthly transactions.

Kwika Benefits
AFFORDABLE FEES TO EMPOWER YOUR BUSINESS
A fee structure designed to help you grow

We’re committed to helping you manage costs while growing your business. If your business doesn’t transact, we won’t deduct any fees. Plus, the more you transact, the lower your fees!

VALUE ADDED SERVICES

Enhance your business with VodaPay Kwika

With the VodaPay Kwika you can sell more products, and track all your sales in real time and even access business finance if you qualify. 

Interactive Dashboard

Live business tracking reports. Monitor sales and income daily.

Access Merchant Portal

Sell more products

Sell airtime, data, electricity, pay municipality bills and more...

Become a vendor

Business Lending

Unlock up to R1.5 million in potential business funding after 4 months!

Do I qualify?
WE SEE YOUR VISION, LET'S GET YOU THERE

How to buy your Kwika

It’s really easy to buy and to activate a Kwika card machine.

Create account
Buy online or instore

Get a Kwika device online or in Vodacom stores. Set up your account to started

Select products
FICA activation

Submit your FICA documents online or in store. Tip: See FAQs below for more. 

Start taking payments
Get your Kwika and take payments

Whether you buy in-store or wait for your free delivery, the card machine is ready to use.

Nugget 4 icon
No connection fee to transact

There’s no connection fee, so you can start taking payments immediately.

How to get the Card Machine
PAYMENT SOLUTIONS FOR ALL TYPES OF BUSINESS

Choose a payment solution that’s right for your business

You are spoiled for choice when it comes to choosing the right card machine or online payment gateway from VodaPay. We have everything from card machines to Payment Requests, Payment Gateways and even Tap on Phone solutions. 

Kwika
Kwika card machine

Compact & easy to carry between appointments and customer visits.

Out of stock

New devices coming soon!

VodaPay Tap on Phone
VodaPay Tap on Phone

An app that makes transactions safer compared to cash...

Download for free

Pay Per transactions

View
Payment Request
Payment Request

Simplify your payment process without a website or physical store...

Free

Pay Per Transaction

View
Easy Payment Management
Digital Payment Gateway

Setting up easy, secure ways for customers to pay you electronically.

Free

Pay Per Transaction

View

Get the support you need

VodaPay has all the tools and support in place, to give you the confidence to grow your business.

Need help?
FAQs

Frequently asked questions about the Kwika card machine...

Is my business ready for the Kwika card machine?

The Kwika is perfectly suited for businesses that need a reliable but portable payment solution. If you’re a traveling salesperson, food truck owner or plumber - even a travelling personal trainer - the VodaPay Kwika can help you to take payments from your customers and clients at any time. 

What is pre-approved for up to R1.5 million after 4 months of trading?


When you use your Kwika to transact, you could potentially qualify for business funding. There is strict criteria to meet. You need to make at least R40,000 a a month or R500 000 a year to qualify.

What is FICA and what do I need?

FICA, or the Financial Intelligence Centre Act, is a set of laws in South Africa aimed at preventing financial crimes like money laundering and terrorism financing. It requires financial institutions to verify your identity and monitor transactions for suspicious activity.

To FICA your Kwika card machine, you need to provide:

  1. South African ID or Foreign national documentation
  2. Proof of Banking 
  3. Business Registration if you have a registered business. 
  4. Confirmation Letter to confirm that you are a business representative.

This is a compulsory process that protects you, us and your customers from malicious transactions. 

Card Machine Help & Support

 

Having trouble registering your payment solution

Call the Sinawe Registration Helpdesk: 

  • 011 066 0847 and select "option 2"
  • Monday to Friday 07:00 to 17:00

 

For technical support for your payment solution 

Contact the Sinawe Support Helpdesk:

  • Toll Free - 0800 000 654
  • WhatsApp - 072 605 9421
  • Email - [email protected]
  • Available everyday (Including Public Holidays) from 07:00 - 19:00
Card Machine Help & Support

Now you can accept card payments on your phone

All you need is the Tap on phone App and an NFC Enabled Android phone.

Free to Download

FREE

Only pay per transaction

Download on Google Play
Our Tap on Phone App

Tap on Phone offers a convenient smartphone point of sales (POS) system that turns your NFC-enabled smartphone into a card machine. It's easy to set up and take customers’ payments from your phone.

Tap on Phone is an affordable payment solution that caters to customers who don’t carry cash, or who do not have enough physical cash on hand to complete the sale.

There’s no connection fee you can track all your transactions.

Our Tap on Phone App
WHY TAP ON PHONE WORKS

Accept card payments on your phone

The Tap on Phone App turns your NFC-enable smart phone into a card machine. It offers you flexibility, security and convenience. Here’s why some many businesses are turning to Tap on Phone.

family
Accessible & inclusive

Now you can take payments from customers who don’t carry cash, or who need to use bank cards to complete a sale. 

alarm-assistant
Security and reduced risk

Street vendors, travelling salespeople, even taxi drivers typically deal in cash. Tap on Phone is safe and reduces the risk of theft.

Connectivity
Increased sales opportunities

Cater to a broader audience, like tourists or visitors who don’t have local currency during peak tourism seasons.

Savings
Better financial management

The interactive dashboard and business tracking reports help you monitor sales and expenses during the trading week.

Kwika Benefits
Download FREE here
VALUE ADDED SERVICES

What you get with the Tap on Phone card payment app

Even though the Tap on Phone app is free, we’ve packed it with some of the best payment services, to benefit your business.

Interactive Dashboard

Live business tracking reports. Monitor sales and income daily.

Access Merchant Portal

Sell more products

Sell airtime, data, electricity, pay municipality bills and more...

Become a vendor

Business Lending

Unlock up to R1.5 million in potential business funding after 4 months!

Do I qualify?
AFFORDABLE FEES TO EMPOWER YOUR BUSINESS
A fee structure designed to help you grow

We’re committed to helping you manage costs while growing your business. If your business doesn’t transact, we won’t deduct any fees. Plus, the more you transact, the lower your fees!

WE SEE YOUR VISION, LET'S GET YOU THERE

How to accept payments on your smartphone

It’s FREE and really easy to turn your phone into a card machine.

Tip before you download: 
Check compatibility with your NFC-enabled Android Smartphone on the Google Play Store. 

Create account
Download FREE here

Use an Android NFC-enabled smart phone. It’s free - data charges apply. 

Select products
Register on the app

Complete the application on the app and click on submit.

Start taking payments
Start transacting

We’ll set up your profile, and you can start transacting in minutes.

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No connection fee to transact

There’s no connection fee. Transaction fees range from 1.85% to 3%. 

How to accept payments on your smartphone
Download FREE here
Viewing this on a desktop? 

To download the Tap on Phone app, your Android smartphone needs to be NFC enabled. When downloading our app, please note that standard data charges from your network carrier will apply.

Tap on phone download
ALL YOUR PAYMENT SOLUTIONS

Choose your preferred payment solution

You are spoiled for choice when it comes to choosing the right card machine or online payment gateway from VodaPay. We have everything from card machines to Payment Requests, Payment Gateways and even Tap on Phone solutions. 

Kwika
Kwika card machine

Compact & easy to carry between appointments and customer visits.

Out of stock

New devices coming soon!

VodaPay Tap on Phone
VodaPay Tap on Phone

An app that makes transactions safer compared to cash...

Download for free

Pay Per transactions

View
Payment Request
Payment Request

Simplify your payment process without a website or physical store...

Free

Pay Per Transaction

View
Easy Payment Management
Digital Payment Gateway

Setting up easy, secure ways for customers to pay you electronically.

Free

Pay Per Transaction

View

Get the support you need

VodaPay has all the tools and support in place, to give you the confidence to grow your business.

Download Tap on Phone Need help?
Tap on Phone Help & Support

Operating hours
We’re open everyday from 7:00am to 7:00pm

New business contact
Call: 0800 000 654 (Free from any network)

Need help with your Max card machine?
Vending Support
[email protected]
Call: 011 066 0847
Email: [email protected]

Card Machine Help & Support

Get paid instantly in a few easy clicks

Your Digital Payment Gateway to take customer payments anytime, anywhere. Ts & Cs Apply.

Get started

Free

Transaction fees only

Activate your Payment Gateway Find out more
ONLINE PAYMENT GATEWAY

VodaPay Digital Payment Gateway

Designed for businesses of all sizes, this state-of-the-art payment gateway allows you to accept payments securely on your website.

Give your customers a smooth online shopping experience with the VodaPay Digital Payment Gateway.

Startups
Take online payments fast

The Digital Payment Gateway makes it super easy, fast and convenient for you. 

Security & privacy-Privacy
Safe and simple

Easy-to-use plugins give your customers a safe and secure way to pay you online.

Miscellaneous-Layers
Scale your business

Enter new digital markets and track your online sales in real time.

e-Commerce Benefits
Learn More
Apply Now
ACCEPT A RANGE OF PAYMENT METHODS

Give your online customers what they need

Enhance your customer satisfaction with a variety of payment methods, including credit and debit cards, EFTs, and mobile payments. You can ensure that every transaction is smooth and secure.

Arrows-Online
Easy integration

Set-up your online store fast, with quick turn around time and minimal disruptions.

Security & privacy-Confidential
Advanced fraud detection

Protect your transactions from fraudulent activity with PCI DSS compliant software.

Affordable fees
Affordable fees

Fees are capped at 3.5%, with lower rates as you earn more. No fees if you don’t transact.

Service
Uninterrupted global service

Your business can take online payments from anywhere in the world. 

Payment experience
MERCHANT & DEVELOPER SUPPORT

Digital Payment Gateway Integration Resources

VodaPay offers flexible payment integration solutions and resources to get started with your developer.

Integration Resources

Check out EVERYTHING you need to work with your own developer for custom payment gateway integration.

Find out more

Shopping Cart Plugins

Access some of the most popular shopping cart solutions.

View Plugins

API Key Integration

After registration you can find the API key required for live integration.

Integrate easily
AFFORDABLE FEES TO EMPOWER YOUR BUSINESS
A fee structure designed to help you grow

We’re committed to helping you manage costs while growing your business. If your business doesn’t transact, we won’t deduct any fees. Plus, the more you transact, the lower your fees!

HOW TO APPLY

Take online payments fast

Your business must be based in South Africa. You need an active email address and the following documents in PDF or JPEG format: 

Identification documents
Identification documents

Green ID Book or Smart Card of the business owner or business representative.

Business banking
Business banking

Bank confirmation, monthly turnover, website (visible policies & customer service email), business banking details.

A verification photo
A verification photo

Use your smartphone camera or webcam to take a clear photo for verification purposes. 

Online payments
Apply Now
AFFORDABLE FEES TO EMPOWER YOUR BUSINESS
Get your payment gateway - Free

At VodaPay, we’re committed to making financial inclusion possible. That is why you can activate the Payment Gateway free and only pay for transactions.

Activate your Payment Gateway
Payment gateway
ALL YOUR PAYMENT SOLUTIONS

Choose your preferred payment solution

You are spoiled for choice when it comes to choosing the right card machine or online payment gateway from VodaPay. We have everything from card machines to Payment Requests, Payment Gateways and even Tap on Phone solutions. 

Kwika
Kwika card machine

Compact & easy to carry between appointments and customer visits.

Out of stock

New devices coming soon!

VodaPay Tap on Phone
VodaPay Tap on Phone

An app that makes transactions safer compared to cash...

Download for free

Pay Per transactions

View
Payment Request
Payment Request

Simplify your payment process without a website or physical store...

Free

Pay Per Transaction

View
Easy Payment Management
Digital Payment Gateway

Setting up easy, secure ways for customers to pay you electronically.

Free

Pay Per Transaction

View

Get the support you need

VodaPay has all the tools and support in place, to give you the confidence to grow your business.

Take Payments Online Need help?
FAQs

Frequently asked questions

When will I receive my money with VodaPay Digital Payment Gateway?

We settle your earnings daily, with payments processed for the previous business day.

Can I process refunds through VodaPay Digital Payment Gateway?

Yes, refunds can be easily managed through our merchant portal, giving you full control over the process.

Do I need a bank merchant account to accept online payments with VodaPay Digital Payment Gateway?

No, we take care of setting up everything you need to start accepting payments online, including a merchant account.

Can VodaPay Digital Payment Gateway support recurring payments for my customers?

Absolutely! We offer a recurring payment feature, and our integrations team is here to help you get started.

Is it possible to use VodaPay Digital Payment Gateway for online payments without a website?

Yes, with our Payment Request feature, you can generate a payment link with a specified amount and reference, making it easy for your customers to pay, even without a website.

Help & Support

New merchants please contact the helpdesk below:

Website: http://voda.com/accept-payments

Email: [email protected]
Call Centre: 011 066 0847  

Operating Hours:
 
Monday to Friday 8:00am to 5:00pm

Existing merchants please contact the below helpdesk:

WhatsApp: 0726059421
Website: http://voda.com/accept-payments

Email: [email protected]

Call Centre: 0800 000 654 Free from any network

Operating Hours:  
Monday to Sunday 7:00am to 7:00pm available 365 days a year

Card Machine Help & Support

Get paid in just a few clicks No website needed

A digital solution to help you get paid anywhere, anytime.

Get it for

Free

Only pay per transaction

Sign up for payment request now Get help
REQUEST PAYMENTS FROM YOUR CUSTOMERS
No hassle - Just business

Are you a small business owner, freelancer, or side hustler with no website? Maybe you're a plumber, a cake baker, or running a tuisnywerheid from home? With VodaPay Payment Request, you don’t need a brick-and-mortar shop or even a website to get paid - just a phone, your product, or a service!

Sign up FREE
Request payments
WHY CHOOSE VODAPAY PAYMENT REQUEST?

Simplify your payments, boost your business!

Sinawe - We're with you every step of the way. Even without a registered business, as long as you have a South African ID, you can start using 
VodaPay’s Payment Request solution today. Your journey to getting paid starts here.

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No website? No problem!

Whether you’re a barber who needs to send an invoice on the go, a church collecting donations, or a political party gathering contributions, VodaPay Payment Request makes it easy for you to get paid. Create a payment link for any amount and send it via SMS, WhatsApp, Facebook, or email - no hassle, no extra apps needed!

Location
Flexible payment options

Request and payments through various channels like SMS, WhatsApp, email, or social media. It’s perfect for businesses in rural and urban areas, from drivers and delivery folks to home-based entrepreneurs.

Connectivity
Don’t waste time - Start taking payments

We know that there’s a lot of admin when you have a business. We’re here to make it easier for you. There’s no lengthy paperwork or complicated vetting - Check how easy it is to start transacting now. 

Payment Request Benefits
HOW IT WORKS IN REAL LIFE
No cash, no cards? No stress!

You’re a delivery guy working in Joburg's bustling CBD. A client wants to pay on delivery, but all they have is their card. No stress! Just send them a payment request via SMS, and they can settle up on the spot.

Start sending payment requests
Driver Delivery
AFFORDABLE FEES TO EMPOWER YOUR BUSINESS
A fee structure designed to help you grow

We’re committed to helping you manage costs while growing your business. If your business doesn’t transact, we won’t deduct any fees. Plus, the more you transact, the lower your fees!

HOW TO SEND PAYMENT REQUESTS FOR FREE

Three easy steps to start making money

No matter where your business takes you - from the city hustle to the quiet dorpies - VodaPay Payment Request is your partner in growth. 
We’ve made the sign up quick so that you can simplify your payments, and start focusing on what really matters - your business

Create account
Sign up and set up your account

Register with your South African ID. Set up your profile in minutes - no need for a registered business! Just click here... 

Select products
Create and send your payment request

Generate a payment link for any amount using the VodaPay Merchant Portal. Send it via SMS, WhatsApp, email, or social media - directly to your customers, anytime, anywhere.

Start taking payments
Get paid instantly

Once your customer clicks the link and pays, the funds are securely transferred to your account. It's fast, easy, and hassle-free!

Payment Request
Sign up for payment request now
NO CONNECTION CHARGE AND AFFORDABLE FEES
A fee structure designed to empower your business

We are committed to making financial inclusion possible. If your business is not transacting, we will not deduct any fees from you. Plus, the more money you make, the less transaction fees you pay!

Calculate your fees
Fee Calculator

All the payment power with no devices needed

With VodaPay Payment Request, you get all the technology and admin capabilities of VodaPay Max and Kwika - like access to the Merchant Portal, payment tracking, sales reporting, and more - all without needing a physical device.

Get started free Need help?
ALL YOUR PAYMENT SOLUTIONS

Choose your preferred payment solution

You are spoiled for choice when it comes to choosing the right card machine or online payment gateway from VodaPay. We have everything from card machines to Payment Requests, Payment Gateways and even Tap on Phone solutions. 

Kwika
Kwika card machine

Compact & easy to carry between appointments and customer visits.

Out of stock

New devices coming soon!

VodaPay Tap on Phone
VodaPay Tap on Phone

An app that makes transactions safer compared to cash...

Download for free

Pay Per transactions

View
Payment Request
Payment Request

Simplify your payment process without a website or physical store...

Free

Pay Per Transaction

View
Easy Payment Management
Digital Payment Gateway

Setting up easy, secure ways for customers to pay you electronically.

Free

Pay Per Transaction

View
FAQs

Frequently asked questions about the Kwika card machine...

What type of businesses prefer using VodaPay Payment Request?

Our state-of-the-art payment solutions were specifically designed with your small business in mind. Our VodaPay Max, Kwika, Chop-Chop, e-Commerce and Payment Request will afford you the opportunity to significantly improve your customer's shopping experience, help you enjoy more security as payments are deposited directly into your bank accounts and make informed decisions based on analytics and sales insights.

Can I monitor my transactions?

Yes. Once you start receiving payments, we created a portal for you to manage your devices and transactions. You will be able to track daily sales, download documents and, in the future, send receipts via email. You can download your merchant statements and export your transaction history. The Merchant Portal allows you to view all your transactions and sales, across all your VodaPay payment solutions (VodaPay Max, VodaPay Chop-Chop, e-Commerce and Payment Request).

Help & Support

Website
https://www.vodacombusiness.co.za/business/solutions/financial-services/kwika

Email Contact Details
[email protected] 
[email protected] 

Call Centre
0800 000 654 (Free from any network)

Existing VFS Merchants
Call us on: 011 066 0847
Email us at: [email protected]

Operating Hours
Monday to Sunday
8:00am to 7:00pm available 365 days a year

Card Machine Help & Support

VodaPay Max Promotion

Vodacom Payment Services (Pty) Ltd (“VPS”) is running the “ VodaPay Max Promotion” ("the Promotion") where the qualifying Merchant will receive a percentage of the Device Purchase Price back  (“Reward”).

All participants during the term of the Promotion agree to be bound by the following Terms and Conditions:

Duration

  1. The Promotion will commence on 17 July 2025 and it will run until 31 October 2025 (the “Promotion Period”).
  2. The duration of the Promotion may be extended or curtailed at the discretion of VPS.
  3. VPS reserves the right to amend these Terms and Conditions and where such change is material, VPS shall provide its customers and/or participants with reasonable prior written notice before implementing any such change.

Eligibility

  1. To qualify to participate in the Promotion:
    • During the Promotion Period, the merchant must:
      • be a new VPS merchant (and must not have an existing Merchant Agreement with VPS); 
      • sign a new Merchant Agreement with VPS; 
      • successfully completes the Merchant onboarding process; 
      • purchase a VodaPay Max Device (“Device”) from VPS at the then current purchase price (the “Purchase Price”); 
        ensure the Device is activated to process transactions (“Activation Date”); and
      • For a period of 3 consecutive months from Activation Date, actively trade making use of the Device (“Trading Period”);
      • referred to as “Qualifying Merchants”.
  2. Employees, directors and agents of VPS and all participating stores, their immediate families, life partners, business partners and associates and any person directly involved with the sponsoring, devising, production, management, or marketing of this Promotion are not eligible to participate in this Promotion.
     

Reward

  1. Qualifying Merchants will, after the Trading Period, receive a percentage of the Purchase Price back  as a Reward, which will be calculated as follows: 

    1. The lowest of the total monthly transaction value of the Qualifying Merchant in a calendar month during the Trading Period will be used and the percentage paid back will be determined in accordance with the table below:  

      Total Transaction Value for the calendar monthPercentage of Purchase Price
      <=R 150000%
      >R15000 to R30 00025%
      R30 001 to R 55 00050%
      > R 55 000100%
    2. Transaction value calculation begins on the 1st of the month. If a Device is activated mid-month, the calculation will start from the 1st of the following month.
    3. The Reward will be paid back into the bank account nominated by the Merchant at onboarding. 
    4. Multiple entries are not allowed.
    5. The claim for the Reward will be subject to security and validation, and VPS reserves the right to withhold the Reward until it is satisfied that the claim is valid.
    6. All Devices will be insured for a period of 12 months from Activation Date, as per the insurance policy.

       

Personal Information

  1. VPS respects the right to privacy and takes the protection of your personal information seriously. VPS will only use your personal information for the purposes of the Promotion as stated in these terms and conditions and in accordance with Privacy Policy available on, https://www.vodacom.co.za/vodacom/terms/privacy-policy/payment-services
  2. You hereby consent to VPS share your personal information with third parties identified by Vodacom from time to time solely for the purpose of execution of the Promotion.
     

General

  1. In the event of a dispute in regard to any aspect of the Promotion and/or these Terms and Conditions, VPS’s decision will be final, and binding and no correspondence will be entered into.
  2. VPS may refuse to award a Reward if any of entry procedures or these Terms and Conditions have not been adhered to if it detects any irregularities or fraudulent practices. VPS is entitled to in its entire discretion to reject any participant for any reason and will not be obliged to notify participants that they are rejected.
  3. VPS is not liable for any technical failures affecting participation.
  4. VPS shall not be liable for any costs incurred by the Qualifying Merchant for participating in the Promotion.
  5. VPS, its directors, employees, agents, and distributors, are not responsible for any misrepresentation (whether written or verbal) in respect of any Reward nor in respect of any warranties, guarantees or undertakings given by any person other than VPS.
  6. If VPS is required by law to alter or cancel any aspect of the Promotion or to terminate it as a result of changes in legislation, or for any reason whatsoever, it will have the right to terminate the Promotion being offered, with immediate effect and without notice. In such event all entrants hereby waive any rights which they may have against VPS and its associated companies, agents, contractors and/or sponsor.
  7. Neither VPS nor any other person or party associated with the Promotion, their associated companies, agents, contractors, and sponsors and any of its personnel involved in the Promotion shall be liable whatsoever for any loss or damage incurred or suffered (including but not limited to direct or indirect or consequential loss), death or personal injury suffered or sustained arising from either participation in the Promotion or from claiming the Reward.
  8. In addition, neither VPS nor its agents shall be responsible for any loss or misdirected entries, including entries that were not received due to any failure of hardware, software, or other computer or technical systems affecting participating and/or the Reward process of the Promotion.
  9. All information relating to the Promotion which is published on any marketing material will form part of these terms and conditions. In the event of any conflict between such marketing material and these terms and conditions, these terms and conditions shall prevail.
  10. Nothing in these Terms and Conditions is intended to, or must be understood to, unlawfully restrict, limit, or avoid any rights or obligations, as the case may be, created for either the participant or the promoter in terms of the Consumer Protection Act, 68 of 2008 (CPA).