---
title: "Ozow: Pay by Bank, Card and QR Payments"
description: "Accept Pay by Bank (EFT), card, PayShap Request, crypto (settled in ZAR) and vouchers in South Africa. Offer refunds and payouts."
canonical_url: "https://liners.com/ozow"
markdown_url: "https://liners.com/ozow.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/ozow/screenshot.webp?v=1773066094174"
published_at: "2026-03-09T16:45:08.752Z"
updated_at: "2026-10-06T16:02:53.108Z"
---

# Ozow: Pay by Bank, Card and QR Payments

Accept Pay by Bank (EFT), card, PayShap Request, crypto (settled in ZAR) and vouchers in South Africa. Offer refunds and payouts.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Ozow](/ozow)

## Summary

Ozow accept instant bank-to-bank payments without cards

Ozow is a South African payment platform for businesses to accept Pay by Bank, card, PayShap Request, crypto, and vouchers, plus refunds and payouts for customers.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.ozow.com/ |
| Tagline | Ozow accept instant bank-to-bank payments without cards |
| Primary country | South Africa |
| Platforms | Web, Android, iOS, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Ozow is a South African payment processing platform for merchants that need to accept digital payments, issue **refunds**, and make **payouts** using bank-to-bank and alternative payment methods.

Key capabilities include:
- **Pay by Bank (EFT)** for fast, cardless bank-to-bank payments, designed to connect businesses to **47 million bank account holders** in South Africa.
- **Payment method orchestration** across **card payments**, **PayShap Request** (instant payment requests using a ShapID or account number), **crypto payments** (settled in ZAR), and **voucher redemption** for broader customer access.
- **Multiple acceptance channels** for different commerce flows, including **e-commerce checkout**, **QR code payments**, **payment links**, **e-billing**, and **in-store** payments.
- **Merchant operations tools** such as customer **refunds** and **payouts** that support customer withdrawals in minutes.

Available on **Web** (merchant dashboard and integrations), **API** (Bank API and payment integrations), and **Android/iOS** via the **Ozow.ME** app for peer-to-peer payments.

Target users include South African businesses of all sizes (online retailers, service businesses, platforms, and in-store merchants) that serve individual consumers paying from their bank accounts, including peer-to-peer use cases through Ozow.ME.

Ozow is notable in South Africa for its focus on **Pay by Bank** and instant payment rails such as **PayShap**, plus bank-partnered options like **Capitec Pay**, **Nedbank Direct EFT**, and **Absa Pay**, supporting cardless payments across common checkout and in-store scenarios.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [Payment Gateway](/tags/payment-gateway): Product feature or technology
- [Payment Links](/tags/payment-links): Product feature or technology
- [QR Payments](/tags/qr-payments): Product feature or technology
- [South Africa](/countries/south-africa): Market

## Related pages

- [Alternatives](/ozow/alternatives)
- [Reviews](/ozow/reviews)
- [Transparency](/ozow/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/ozow)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)