Payments Association of South Africa


  • I attempted to withdraw money at the ATM and my account was debited, but I did not receive any or part of the funds?

  • I made a funds transfer (EFT) to a beneficiary at an ATM, but I used the incorrect reference?

  • Who do I turn to in the event of problems with a Payment for Prepaid Services at an ATM?

  • Deposit – when will I see the amount on my account?

  • What are my responsibilities with regards to card and PIN?

  • Is it safe to withdraw money at night at an ATM?

  • Should I make use of individuals standing around the ATM if I encounter problems with the machine whilst drawing money?

  • How can I ensure my card and card information is safe?

  • What should I do if I suspect fraud on my card?


  • Is it safe to carry Cash with me?


  • Why are cheque volumes declining in South Africa?

  • Why are cheque values declining more slowly?

  • How long does it take for a cheque to be “cleared” and available on the balance of my account?

  • May a cheque be altered?

  • What is the maximum value payable per cheque?

  • What are the Rules that I should follow when issuing a cheque?

Credit Card

  • If a purchase transaction appeared on my credit card statement which I did not perform or authorise, am I allowed to dispute this?

  • Is there a timeline fixed to dispute a transaction?

  • What is the difference between a reversal, refund and dispute or charge-back transaction?

  • What are the rules regarding recurring credit card transactions?

  • How can I cancel recurring monthly transactions coming off my credit card account?

  • What do I do when my credit card is lost or stolen? What happens to transactions performed after this event?

  • What do I do if my credit card is lost or stolen while I am overseas?

  • Can my credit card be replaced while I am overseas and facing an emergency if my card has been lost, stolen or damaged?

  • If I am stranded somewhere, can I get access to Emergency Cash Disbursement through my Visa or MasterCard credit card?

  • May a Merchant charge me an additional amount when I choose to pay with my credit card?

  • Are there any other benefits available to credit card holders?

  • While paying for goods during a visit overseas I was unable to put the purchase onto the “Six months” repayment option – why is this?

  • Are Merchants allowed to retain my card number when I make a purchase?

  • When using my card overseas Merchants have sometimes offered to fix the purchase price in South African Rand, rather than in the local currency. Should I accept this offer?

  • What is 3D Secure and how does it work?

  • How will 3D Secure impact the cardholder experience when paying online?

  • What do I need to know for a good 3D Secure experience?

  • What should I do if the Merchant I wish to purchase from does not support 3D Secure?

Cross border

  • Can cross-border SWIFT payments be done via the Internet?

  • Who pays for the transaction?

  • Why is all the “paperwork” necessary?

  • How much money can I send overseas?

Debit Card

  • Can I withdraw cash at a merchant point of sale rather than at an ATM?

  • What is the Cash limit that I am allowed to withdraw at a point of sale?

  • Can I use my debit card for purchases online (via the web) or for telephone orders?

  • My debit card account is debited with a transaction which I did not authorise (i.e. I did not swipe/dip/tap my card). What do I do?

  • How can I get hold of a more secure Chip debit card?

  • What is a “combi” card?

  • What is a contactless card?

  • Are contactless payments safe?


  • What is credit tracking?

  • Do all banks support AEDO and NAEDO?

  • Do all lenders support AEDO and NAEDO?

  • What is the EDO PSSF?

  • What is a payroll deduction?

  • What is a garnishee order?

EFT Debits

  • What is a debit order?

  • What is the difference between a debit order and a stop order?

  • What is the difference between a debit order and an early debit order (EDO)?

  • Can I dispute an unauthorised debit to my account?

  • What are the rules relating to Debit Orders mandated by Voice Recording?

  • How do I dispute a debit order transaction?

  • Under what circumstances may I dispute a debit against my account?

  • Is there a fixed timeline in which to dispute a debit order transaction?

  • Can I cancel a Debit Order in its entirety?

  • What is my responsibility with respect to debit order mandates granted?

  • There is a debit against my account, but I do not recognise the source. How can I determine the originator or beneficiary?

  • What is an “unpaid” debit order?

  • How can I prevent paying penalty fees for a rejected or unpaid Debit Order on my account?

EFT Credits

Money transfer

  • What are the FICA requirements for money transfers?


  • What is the maximum amount I can transfer to a beneficiary by means of RTC?


  • What is a SASSA Payment Card?

  • How do I use my SASSA payment card?

  • Can I use my SASSA card to make a purchase instead of drawing Cash?

  • How do I know how much money is available on my SASSA payment card?

  • Do I get a receipt after withdrawing money?

  • What are the cardholders’ responsibilities with the SASSA card?

  • Where can I get more information about my SASSA card?

Travel Cards