pay your bills,
hassle-free.
Pay your municipal account, subscription, insurance policy or money transfer with one reference number. In person at a retailer near you, or online in the way that suits you.
Make a payment.
Enter the Pay@ reference number from your bill or statement.
Don’t have your reference number? Where to find it →
Three steps, one reference number.
Your Pay@ reference number is what links your payment to your account, so it reaches the right place.
Find your reference number
Check your invoice or statement for the Pay@ logo, barcode or QR code. Your reference number sits next to it. If your biller sent you an SMS or email, the payat.io link takes you straight there.
Choose how to pay
At a retail till with cash or card, online with card, EFT, Capitec Pay or Scan to Pay, in your banking app, or with a voucher.
Get your receipt
Every payment is validated against your account and amount before it goes through, and you get an itemised receipt as proof.
Pay in person,
with cash or card.
Visit any retailer in our network, give the cashier your Pay@ reference number, and pay with cash or card. You get an itemised receipt at the till.
- Pay with cash — no bank account or card needed
- Formal retailers: supermarkets, clothing and building chains
- Informal retailers: spaza shops and traders through our partner networks
- Your payment is checked against your account before it is accepted
- Your Pay@ reference number, barcode or QR code
- The amount you want to pay
- Cash or your card
Where you can pay.
15 retail partners
Pay online,
however you bank.
Pay on payat.io or on your biller’s website. Enter your Pay@ reference number, then choose the method that suits you.
- Card — Visa and Mastercard, protected by 3D Secure
- Pay with EFT — straight from your internet banking, across all major SA banks
- Capitec Pay and Absa Bill Pay — approve the payment inside your banking app
- Scan to Pay, SnapScan and Zapper — scan the QR code on your bill
- Digital wallets — MTN MoMo, VodaPay and more
Banks, apps and wallets.
18 digital partners
Pay with a voucher.
Go to payat.io or your biller’s website, enter your Pay@ reference number, then choose your voucher from the payment options.
- 1Voucher, OTT Voucher and Flexi Voucher accepted
- Buy your voucher in cash at a retailer, then use it to pay online
- No bank account or card needed at any point
Vouchers accepted.
3 partners
500+ billers accept Pay@.
Check your invoice for the Pay@ logo, barcode or QR code. If it is there, you can pay with your reference number.
Pay your traffic fines
online.
Settle your City of Cape Town infringement notices on paythat.co.za. Look up what you owe by notice number, ID or vehicle registration, then pay. No queues.
City of Cape Town traffic-fine queries: 0860 103 089
Frequently asked questions.
When will my payment be allocated to my account?
Your biller allocates the payment to your account — Pay@ does not do payment allocations. If a payment has not reflected, our support team can trace the transaction between you, your biller and the payment network, and provide proof that it was received. Your biller then allocates it to your account.
How do I get the reference number I need to pay?
Your Pay@ reference number is printed on your invoice or statement, next to the Pay@ logo, barcode or QR code. If your biller sent you a payment link by SMS or email, opening that payat.io link takes you to your account with the reference already filled in. If you cannot find it, ask your biller for your Pay@ reference number.
My subscription service is still not active after I paid
Reconnecting your service is done by your biller once they allocate your payment. Contact your biller with your Pay@ receipt as proof of payment. If they cannot find the payment, contact our support team on support@payat.co.za and we will trace it.
The amount shown is wrong and I cannot complete the payment
Payments are validated against the account and amount your biller has on file, so a mismatch will stop the transaction. Check the amount on your latest statement first. If it still will not go through, contact our support team on support@payat.co.za with your reference number.
The store could not process my payment
Ask for a bill payment at the till point and give the cashier your Pay@ reference number, barcode or QR code. If the till cannot process it, contact our support team on support@payat.co.za with the store name and your reference number so we can check that channel.
Ready to pay?
Enter your Pay@ reference number and settle your account in a few taps.
Cash, card, EFT, QR, banking app or voucher — one reference number, and your account is settled.