Proudly South African  ·  2026

WoZAPay

Tap. Pay. Uplift.

South Africa moved cashless. The informal economy didn't get the memo. WoZaPay is a cashless payment platform for South Africa's informal economy — tips for service workers, purchases from street vendors, wages for casual labourers. One tap. One card. No cash required.

Register Now — It's Free See How It Works
Customers pay with Capitec Pay Apple Pay Samsung Pay FNB SnapScan All SA Banks
Tip Received
R30.00 ✓
Payment Method
◉
SERVICE WORKER CARD
SIPHO DLAMINI
ID: WZP-0042
TAP OR SCAN
Live Demo

Try the real payment experience

Open a real WoZaPay payment page — exactly what a customer sees when they tap or scan a worker's card. Choose an amount, see the secure checkout. You're only charged if you choose to complete a payment.

📱 Open a Live Demo Payment Page
Secured by PayFast · PCI-DSS Level 1 · No charge unless you choose to pay
The Numbers Behind the Opportunity
Tipping
R30
Average digital tipvs R7.50 in cash — a 300% increase in earnings
43%
Of South Africans don't tipnot from unwillingness — from having no cash to give
140K
Petrol attendantsin South Africa — most receiving near-zero digital tips
40%
Income increasereported by workers using digital tipping platforms
Vendor Sales — The Differentiator
1.9M
Informal businessesin South Africa — almost none accept digital payments
30%
Of SA's economy is informalyet almost entirely excluded from digital payments
50%
Drop in vendor incomereported since cashless payments became mainstream at malls
R200+
Average vendor salelost every time a customer has no cash — recoverable with WoZaPay
The Platform
5 sec
To complete any paymenttap or scan — no app download, no registration required
16+
Payment methods acceptedCapitec, FNB, Apple Pay, Samsung Pay, SnapScan and more
8.3M
Underbanked South AfricansWoZaPay serves workers with no bank account required
2.5M+
Addressable workersvendors, service workers and casual labourers across South Africa
How It Works

One tap pays for
anything.

Whether you're tipping a car guard, buying avocados from a corner vendor, or paying your gardener — it's the same experience. Tap or scan. Pay. Done.

01

Worker or vendor carries the card

Every registered person receives a dual NFC + QR hybrid card — a car guard wears it on a lanyard, a street vendor displays it at their stall, a gardener keeps it in their pocket.

02

Customer taps or scans

Tap your phone on the NFC chip or scan the QR code. A secure WoZaPay payment page opens instantly — no app download, no registration required.

03

Choose what you're paying for

Tip a service worker, buy produce from a street vendor, or pay a casual labourer's wages. Enter the amount or select from the vendor's price list. Pay with Capitec, FNB, Apple Pay, Samsung Pay, SnapScan or Zapper.

04

Worker receives — twice daily

Payments are batched and paid out twice daily — at 3pm and 3am via FNB eWallet or Capitec Send Cash. Tips received before 3pm pay out same afternoon. Tips after 3pm pay out overnight. Workers cash out at any ATM or Pick n Pay, Shoprite, Checkers, Game or Makro. No bank account required.

◉
NFC + QR HYBRID CARD
SERVICE WORKER
Dual-technology card
TAP OR SCAN
Three Ways WoZaPay Pays

Tips. Sales. Wages.
One platform.

Where competitors stop at tipping, WoZaPay goes further. The same card, the same tap, the same app — whether you're tipping a petrol attendant, buying mealies from a corner vendor, or paying your gardener for the week.

Use Case 1
Tipping
Car guards, petrol attendants, car washers, restroom attendants. The cashless economy stopped tipping them. WoZaPay restores what they earned.
R10 – R50 per tip
Use Case 2 — Differentiator
Vendor Sales
Street vendors, traffic light traders, corner produce sellers. Not a tip — a purchase. WoZaPay turns their card into a point-of-sale. Every cashless driver is now a potential customer.
R20 – R200+ per sale
Use Case 3
Casual Wages
Gardeners, domestic workers, day labourers. Employers pay safely and digitally. Workers receive instantly, cash out at Pick n Pay or any ATM. No bank account needed.
R200 – R1,500 per payment
Car Guards
Car Guards
WoZaPay pays out twice daily — 3pm and 3am. Cashable at Pick n Pay, Shoprite, Checkers, or any ATM. No bank account needed.
Cash: ~R750/mo Digital: R8,775+/mo
Petrol Attendants
Petrol Attendants
140,000 of them across SA — 43% receive no tip. WoZaPay changes that, with twice-daily payouts — 3pm and 3am — direct to their phone.
Cash: ~R750/mo Digital: R10,800+/mo
Car Washers
Car Washers
Hand-washing your vehicle in the heat. A physical, skilled service that commands more than loose change.
Cash tips declining Digital: Consistent
Gym Car Guards
Gym Car Guards
Serving the gym crowd — a demographic that literally never carries cash. The highest-converting digital tipping opportunity.
Cash: Near zero Digital: R35+ avg tip
Restroom Attendants
Restroom Attendants
High volume, small tips — but with digital, even R10 tips add up across 20+ interactions per day.
Cash: R2–5 avg Digital: R10 avg
Gardener
Gardeners & Day Labourers
Not just tips — actual wage payments. Employers pay gardeners, domestic workers and casual labourers directly via WoZaPay. No bank account needed. Cash out at Pick n Pay, Shoprite or any ATM.
Cash: Safety risk Digital: Safe & traceable
Street Vendor
Street Vendors
The auntie selling mealies outside the mall. The lady with vegetables on the corner. The woman with fruit at the traffic light. Every day they lose sales because customers have no cash. WoZaPay turns their NFC+QR card into a point-of-sale — customers tap or scan to pay. Twice-daily payouts at 3pm and 3am means vendors can restock the same afternoon. No cash. No card machine. No bank account needed.
Lost sales: every cashless driver Digital: R20–R150 per sale
Coming Soon
Coming Soon
Hotel valets, golf caddies, delivery workers, market traders. WoZaPay is building the infrastructure for all of them.
Phase 2 — 2027 National
"
Teach a man to fish, not give a man a fish. Help people to help themselves.
WoZaPay Founding Philosophy
Our Philosophy

We don't give handouts.
We remove barriers.

WoZaPay isn't charity. It's infrastructure. We restore the earning potential that was always there.

🛠️

We build the tool, they build the income

A WoZaPay card doesn't give a guard money. It gives them the means to earn what they've already worked for — consistently, digitally, with dignity.

📈

Self-sustaining by design

No donations. No grants. No dependency. Tippers pay what they want, guards earn what they deserve, and WoZaPay takes a small percentage to keep the system running.

🌍

Financial inclusion, not charity

Guards are using WoZaPay to save for education, upskill, and build their own businesses. That's not a side effect. That's the point.

🪜

A stepping stone, not a ceiling

WoZaPay isn't just a way to receive tips — it's the first rung of a financial ladder for people who've never had one.

Payment Methods

If it's on your phone, it works.

No new apps. No new accounts. Just use whatever you already have.

Capitec Pay
SA's largest bank — 24 million customers. Tap or scan instantly.
Apple Pay
Face ID or Touch ID. 42% higher conversion than standard card.
Samsung Pay
Tap your Samsung device directly to the NFC chip on the card.
FNB
Scan to pay directly from your FNB app. Instant notification to the guard.
Absa
Scan the QR code in the Absa app to complete your tip in seconds.
Nedbank
Nedbank Pay — scan and tip with your existing account.
Standard Bank
Scan with the Standard Bank app. Instant, secure.
SnapScan
South Africa's original QR payment app, still loved by millions.
Zapper
Tap or scan with Zapper. Trusted across South Africa.
Vodapay
Vodacom's payment platform — scan and pay seamlessly.
Telkom Pay
Telkom's digital payment solution.
TymeBank
South Africa's digital-first bank. Scan and pay instantly.
RMB
Rand Merchant Bank — private banking made frictionless.
Mastercard
Tap or insert any Mastercard — contactless accepted.
Visa
Pay with any Visa card — contactless or QR scan.
African Bank
Accessible banking for millions of South Africans.
NFC + QR dual technology — tap for speed, scan as backup. Every tipper covered, every time.
Security & Trust

Built on bank-grade security.

Every WoZaPay payment is processed through PayFast, one of South Africa's most trusted payment gateways. Your money and your card details are protected at the highest standard in the industry.

🛡️
PCI-DSS Level 1
Payments are handled by PayFast, a certified PCI-DSS Level 1 Service Provider — the highest security certification in the payments industry, independently assessed every year.
🔒
Your card stays private
Card details are entered directly in PayFast's secure environment. WoZaPay never sees, touches or stores your card information — ever.
✅
3D Secure verified
Card payments are protected by 3D Secure — the same one-time-PIN verification your bank uses to confirm it's really you.
🇿🇦
Trusted across SA
PayFast securely processes payments for tens of thousands of South African businesses — from small traders to the country's largest online retailers.
🔒 Secured by PayFast · PCI-DSS Level 1 Service Provider · 3D Secure
Why WoZaPay

Six competitors.
One payments platform.

Every competitor is primarily a tipping platform. WoZaPay is a payments platform — tips, vendor sales and casual wages on one card. Our closest competitor (Street Wallet) is Cape Town-based, QR-only, and settles the next morning. We're Gauteng-first, NFC+QR, and targeting same-day payouts.

Feature WoZaPay Street Wallet TiPPED Tappy LegendTags MyTip
Technology NFC + QR hybrid QR only QR only NFC only QR + phone no. QR only
Gauteng presence Primary market Cape Town KZN / WC National, thin Cape Town Unknown
Tipping Yes Yes Yes Yes Yes Yes
Vendor sales (POS) Yes — core focus Partial No Partial No No
Casual labour wages Yes Partial No No No No
No smartphone needed Yes Yes Yes Yes Yes Yes
No bank account needed Yes Yes Yes Yes Yes Unknown
Capitec Pay Yes Limited Limited Unknown Unknown Unknown
Apple Pay Yes Yes Limited Yes Yes Unknown
Settlement speed Twice daily (3pm & 3am) Next morning Daily Instant wallet Unknown Unknown
B2B dashboard Coming Q3 2026 No No No No No
NFC wristband Phase 2 No No Yes No No
Funding raised R1M seed (raising) R6.2M (2025) Undisclosed Undisclosed Undisclosed Undisclosed
Gauteng First

Born in Joburg.
Built for Mzansi.

Gauteng has one in three of South Africa's informal service workers — and no dominant digital tipping platform. We're changing that, one mall at a time.

M 1–3
Pilot — 3 anchor malls (Menlyn, Clearwater, Eastgate)
50
M 4–6
10 malls + 2 gym chains across Gauteng
200
M 7–12
Security company partnerships + property groups
600
Year 2
National expansion — KZN, Western Cape, Limpopo
2,000+
🏙️
SANDTON
MENLYN
CLEARWATER
EASTGATE
CENTURION
ROSEBANK
Get Involved

Register now.
It's free.

Whether you're a guard, a street vendor, an employer, a mall manager or an investor — register below and we'll be in touch within 24 hours.

No bank account required. We'll contact you within 24 hours to get your card set up.
No bank account required. We'll contact you within 24 hours to get your card set up.