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Payshap
You only need to register your cellphone number with RMB PB to get your ShapID. e.g. cellphonenumber@RMB.
You'll then be able to receive money when you give someone your registered ShapID.
If you have a business account, you will need to register a Shap Name using the name of your business. e.g. ABCstore@RMB.
Make payments to another person or business using their ShapID or Shap Name.
PayShap payments can also be made using bank account details - for this, you do not necessarily need to have registered a ShapID.
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Send money using ewallet
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Send money instantly to anyone with a valid South African cellphone number.
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You can transfer funds from your eWallet to your RMB Private Bank Account via the RMB Private Bank App.
Enjoy the convenience of swiping instead of withdrawing.
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Tip with ease
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Use eWallet to send a tip to your car guard or waiter instantly by just using their valid SA cellphone number.
>Read more
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Information for Merchants
If you already accept credit or debit cards, all you need is an industry standard contactless-enabled point-of-sale (POS) terminal that
facilitates retail or forecourt transactions in a merchant environment.
Don't forget that we also have other Merchant Services products that can assist you with tap to pay.
Paying and getting paid should be one less thing you should worry about.
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Set up your virtual card
Simply login to your banking app or Online Banking to set up your account.
Activate your virtual card on your banking app in 5 easy steps:
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Select the 'Cards' icon
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Select 'Add Card'
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Select 'Create virtual card'
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Select your RMB Private Bank Global Account
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Tap 'Submit'
Virtual cards are easy to create, cancel, and can be temporarily blocked at any time on the RMB Private Bank App.
The dynamic CVV changes regularly to increase security while shopping online and you can create multiple cards - at no additional cost - for each account.
You can add your virtual card on Google Wallet, Apple Wallet, Samsung Wallet, Garmin Pay, Fitbit Pay, and SwatchPAY!
>Visit partner wallets
>Visit Virtual Card for more information
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FAQS
Where is this available?
Currently Pay Checkout is only available on the eBucks website, however will be extended to other platforms and merchants.
What does it cost?
There are no fees or charges for using the service.
Is it secure?
Yes, Pay Checkout uses the latest technology to secure the transaction and negates the need for capturing sensitive card information.
All you need to do is select the card to pay with using the secure RMB Private Bank App.
The resulting transaction is fully 3D Secure compliant ensuring the relevant protections for both the cardholder and merchant.
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FAQS
What is payshap?
PayShap is a real time easy to use payment service which allows you to make or receive electronic payments using your account number, a ShapID or a Shap Name.
What is a shapid?
A ShapID consists of either your cellphone number only, or your cellphone number with the bank's name (i.e. cellphonenumber@RMBPB) which is directly linked to your nominated bank account.
Your ShapID can be used to make or receive a payment without having to share your bank account details. Only individual customers are able to create a ShapID.
What is a shap name?
Similar to a ShapID, a Shap Name is a unique business name with the bank's name (i.e. businessname@RMBPB) which is linked to the business's nominated account.
A Shap Name can be used to make or receive a payment without having to share bank account details.
Important to note that only business entities can have a Shap Name.
Do I need to register a ShapID to receive a PayShap payment?
No, you do not need to register a ShapID to receive a PayShap payment. You are able to receive a PayShap payment by
sharing your account number with the payer, provided that the payer's bank offers the PayShap service.
How do i register my shapID
You can register your ShapID by logging in to your RMBPB App, select 'Pay' > 'Payment settings' thereafter select 'PayShap' and follow the prompts to register a ShapID.
(To register you would need an active RMBPB bank account, a cellphone number which is registered to you and you will be required to enter a
'Known as name' that the payer can recognise when making payment to you.)
How can I make a payment using a ShapID?
You can log into your RMBPB App, go to 'Pay' > 'PayShap' > select 'ShapID'.
You will be prompted to enter the recipient's ShapID. Once you are satisfied that you are paying the true recipient,
you can proceed with making the payment from your selected RMBPB bank account.
How can I make a payment using a Shap Name?
RMBPB App: You can log in to your app, go to 'Pay' > 'PayShap' > select 'ShapID'.
Online Banking: Go to the Payments tab > 'Add' > 'PayShap'> 'Add manually' > 'ShapID' and complete the necessary fields displayed.
You will be prompted to enter the recipient's Shap Name, once entered, the recipient's business name as recorded against the recipient's bank account will be displayed for you to verify.
Once you are satisfied that you are paying the true recipient, you make the payment.
What action can I take if the recipient did not receive my PayShap payment within the specified time?
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Check your Payment History to see if the transaction result for your payment is reflecting as 'Successful'.
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If the transaction result for your payment is reflecting as 'Successful', check the recipient details in your Payment History to verify that the account number,
ShapID or Shap Name you made the payment to is correct.
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If the transaction result for your payment is reflecting as 'Successful', and the recipient details were correct, please contact the number at the back of your bank card for further assistance.
(Standard network rates apply).
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If the transaction result for your payment is reflecting as 'Pending', please wait 30 (thirty) minutes and check the transaction status again before contacting the number at the back of your card.
Will I be able to reverse my PayShap once I have paid?
Once you have made a payment using PayShap, the payment cannot be reversed. The bank may assist you on a best-efforts basis but unfortunately there is no guarantee that
the bank will be in a position to assist you successfully with the return of your funds. For such assistance you must complete and submit the Payment Reversal Form.
Please note that the request shall be subject to a fee per transaction as stated on the form. Please refer to the form for further information.
Is there a fee charged for using PayShap?
Yes, there is a fee charged for using the PayShap service. The latest Pricing Guide is available under the 'Pricing' tab under 'Bank' on www.rmbprivatebank.com
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Introducing instant payments
A first of its kind in south africa
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Pay someone in real-time to participating banks* in South Africa, using only their card number.
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From as little as R7 via your banking app.
*Participating banks include:
Standard Bank, Absa, Nedbank, Capitec, Discovery, Investec, African Bank, TymeBank, alBaraka, HBZ Bank, Bidvest Bank and Sasfin Bank.
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Pay someone in real-time to participating banks* in South Africa, using only their card number.
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From as little as R7 via your banking app.
*Participating banks include:
Standard Bank, Absa, Nedbank, Capitec, Discovery, Investec, African Bank, TymeBank, alBaraka, HBZ Bank, Bidvest Bank and Sasfin Bank.
>View FAQs
>Instant Pay FAQs
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Introducing chatpay™
Ultimate convenience
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Customers can pay or request payment from any FNB or RMB customer using the RMB Private Bank App's chat functionality - using just the customer's* cellphone number.
* Customers can simply go to Pay and select ChatPay at no additional cost for all customers.
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Bill payments
Ultimate convenience
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Go to Pay > Bills and search for their bill via the Bill Payment Provider option and make a payment from their existing Credit, Fusion or Debit Cards, including virtual cards.
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Pay your bills (EasyPay or Pay@ bills for utilities, traffic fines, etc.) from your banking app or via cellphone banking (USSD).
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Secure and seamless payments as there is no need for you to manually capture card details
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Multiple billers can be located and paid on one trusted platform. No need for the customer to have multiple apps.
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You can earn more eBucks when completing card payments.
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Simple and intuitive customer experience.
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The ability to pay across different channels.
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Complete control over outstanding bills and payments.
>View FAQs
>View list of billers
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How it works
Option 1
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Log in to the RMB Private Bank App
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Select the QR code icon on the top right of the screen
Option 2
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Log in to the RMB Private Bank App
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Go to 'Pay' and select 'Pay' followed by 'Scan to Pay'.
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About scan to pay
Scan to Pay allows RMB Private Bank clients with the RMB Private Bank App to scan a QR code to pay.
All you need is the latest version of the app.
Scan to Pay is free of charge and an immediate way to pay.
No cash or cards needed - making it extra safe and convenient to use wherever you go.
Just ask the store cashier to present the QR code when it's time to pay.
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How it works
A step-by-step guide for you
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On the merchant website or app, simply select Pay Checkout
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You will receive a notification on your RMB Private Bank App
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Open the notification, authenticate yourself and select the card from which to make payment
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Select confirm to make the payment
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Confirmation of payment will be displayed on the merchant website or app
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Benefits
For the cardholder
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A seamless checkout experience with no capturing of card information, nor the SMS OTP.
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Card details are secure and never exposed on a 3rd party platform.
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Payment interaction is via the trusted RMB Private Bank App, protected by additional layers of security.
For the Merchant
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Reduced basket abandonment that could have resulted from the customer not having their card information on hand, or not receiving the OTP.
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The use of all other payment methods and additional value-adding services supported by the RMB Private Bank Payment Gateway.
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Avoid PCI implications when initiating payment on the clients behalf (for example, when taking a travel booking telephonically).
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Register your ShapID
Register via the RMBPB App
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Log in to your RMBPB App
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Select 'Pay'
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Select 'Payment Settings'
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Select 'PayShap'
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Follow the prompts to register
Register via Online Banking Enterprise™
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Log in to RMBPB Online Banking Enterprise™
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Select 'Business solutions'
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Select 'PayShap'
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Follow the prompts to register a Shap Name for your business
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How to pay with payshap
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Set up Scan to Pay shortcut
Ways to add Scan to Pay on your phone for added convenience and faster payments:
IOS
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On your device's "Today Screen/Widget Screen", scroll to the bottom and select "Edit".
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Add the "Scan to Pay" widget, position it towards the top of the list and select "Done".
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Select the newly added Scan to Pay widget and follow the prompts to set it up.
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Once successfully set up, you can select "Close" on the "Success Screen".
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When ready to make a payment, access your "Today Screen/Widget Screen" and select the Scan to Pay widget.
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The RMB Private Bank App will launch, log in and scan the QR Code.
Android
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From your device's "Widget Home Screen" select the "RMB Private Bank App" widget.
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The app will automatically open, select "Scan to Pay".
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The successful widget setup confirmation screen will be displayed.
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Select "close".
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When you are ready to make a payment, select "Scan to Pay" from your device home screen.
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Log into the app and scan the QR Code.
Set up Scan to Pay shortcut on your smartphone
Please note this is only applicable for Android devices
Step 1:
Hold/press down on the RMB Private Bank App icon on your device. The following shortcuts will be displayed: Balances, Payments, Buy, Transfers and Scan to Pay.
Step 2:
Hold/press down on the Scan to Pay shortcut option and drag it across the screen to create a Scan to Pay shortcut on your device.
Step 3:
Select/click on the Scan to Pay shortcut and you will get redirected. When you select the Scan to Pay shortcut on your screen, you will be prompted to log in then be redirected to the camera screen.
Step 4:
Scan the QR code and proceed with payment as per the existing Scan to Pay process.
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Scan to pay faqs
What is Scan to Pay?
Scan to Pay is an RMB Pay feature on the RMB Private Bank App, enabling you to scan most local QR codes
including Masterpass and Payfast presented to you in shops, on point-of-sale devices (POS), on invoices/statements or
on websites and pay with your RMB cards already linked to the RMB Private Banking App.
You need to ensure you have downloaded the RMB Private Bank App and that your device/phone is verified.
Scan to Pay can be accessed via RMB Pay which is under the Payments tab on your app. No need to register, load your card details or
to create a separate username and password, all this is already available in one place, on the RMB Private Bank App.
For added convenience, the Scan to Pay feature is available via Android and iOS widgets, enabling you to access the feature directly from your devices home screen.
How do I pay using Scan to Pay?
Option 1
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Log in to the RMB Private Bank App
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Select the QR code icon on the top right of the screen
Option 2
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Log in to the RMB Private Bank App
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Go to 'Pay' and select 'Pay' followed by 'Scan to Pay'.
How do I add a widget?
Android
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Open 'Widget Home Screen' & select 'RMB Private Bank App'
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The app will open and select 'Scan to Pay'
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Wait for widget setup confirmation & select 'Close'
IOS
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Swipe left to right on your device to access your widgets and scroll down to select 'Edit'
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Add the 'Scan to Pay' widget, move it to the top of the list and select 'Done'
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Select the widget to complete the set up and select 'close' on the success screen
Will Scan to Pay work on my phone?
Scan to Pay is not limited to a specific phone type or operating system. Scan to Pay is available on any smartphone that the RMB Private Bank App is downloaded on.
What is the cost of Scan to Pay?
Scan to Pay is part of the RMB Private Bank App which is free. Transactions are handled as card transactions and therefore there are no additional fees. Doing a transaction will use almost no data, the same as a WhatsApp message.
What are the benefits of Scan to Pay?
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Scan to Pay is integrated into the RMB Private Bank App which makes it both convenient and safe, no need to download another app and include your card details on that app.
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Scan to Pay further enables a cashless lifestyle. Whether you buy coffee, something at a weekend market, or paying a bill, Scan to Pay will work for you.
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The RMB Private Bank App allows you to pay without cash, or a physical card at the point of purchase, It is safe and you don't need to worry about having multiple apps for different QR codes.
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Fewer apps occupying your all-important phone storage and using your data
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Furthermore, added security features such as app login with password or biometrics make the Scan to Pay feature one of the safest ways to pay.
Where can I use Scan to Pay?
At most local or international merchant/retailer with a QR code for you to Scan, e.g. Masterpass, and PayFast.
Is it safe to pay with Scan to Pay?
Absolutely yes! Scan to Pay can only be used after you have logged into the RMB Private Bank App with your password or biometric.
Will I earn eBucks for Scan to Pay transactions?
Scan to Pay transactions are seen as card transactions and the same eBucks rules and rewards level allocations will apply for these transactions.
Will I be able to use my new card for Scan to Pay?
Yes, once your card is activated it is automatically added to the RMB Private Bank App and will be available on your list of cards to be selected for Scan to Pay transactions.
Your card needs to be allowed for online purchases in order to also be allowed for Scan to Pay transactions.
What should I do if I see a Scan to Pay transaction that was not done by me?
The same process will have to be followed as for any unauthorised card transaction. Please contact the disputes/fraud department immediately on the following numbers:
South Africa: 087 575 9444
Outside South Africa: +27 11 369 2924
What will I need the numbers displayed underneath the QR code image for?
These numbers can be entered in the event that your phone camera is not working or unable to scan the code at that time.
A feature allowing for the manual capture of these codes will be introduced later.
Up to what limit can I use for Scan to Pay transactions?
The same limits that apply for card transactions will also apply for Scan to Pay transactions.
What must I do if I get an 'invalid QR code' error?
This means that the QR code might have been scanned incorrectly. First try to scan the code again.
If the error persists, then it is possible that the QR code may be invalid or one of the very few unsupported QR codes.
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How to pay with PayShap
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Log in to your RMB Private Bank App
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Select Pay, then select PayShap
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Pay to an account number or pay to a ShapID
