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Ozow Payment Gateway Integration

Accept Ozow payments through one PaymentHood integration — South Africa. Free plugins, no PaymentHood transaction fee.

South Africa

Accept Ozow
without building the integration

Ozow is a South African pay-by-bank provider. Instead of entering card details, the customer picks their bank at checkout, authorises the payment inside their own online banking session, and the merchant is notified in real time. Because no card is involved there is nothing to charge back and no card data touches the merchant's site.

  • ZAR
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South Africa
2 payment methods
0% PaymentHood fee
Ozow
Region
South Africa
Methods
2
Credentials
Server-side only
PaymentHood fee
None
Status
Live
At a glance

Ozow in summary

Coverage
  • South Africa

Among the markets Ozow serves — their own list is authoritative.

Currencies
  • ZAR

Among those supported. Which ones your account can charge in depends on its registered country.

Supported banks
  • FNB
  • Absa
  • Standard Bank
  • Nedbank
  • RMB
  • Capitec
  • TymeBank
  • Investec
  • Discovery Bank
  • African Bank
Fees
Set and billed by Ozow, who publish current rates on their own site. PaymentHood adds nothing on top, at any volume.
Official resources
Website

Written against Ozow's own documentation on . This page deliberately states no fees, no counts and no completeness claims, because those change without notice — for anything you are about to build on, Ozow's own documentation is the authority.

Payment methods

What your customers can pay with

Every method below runs through the same PaymentHood checkout. Turning one on or off is a dashboard setting, not a code change.

Instant EFT

Customer authorises a real-time bank transfer during checkout

Bank API payments

Direct bank-API rails where the customer's bank supports them

Integration

What PaymentHood handles for you

A direct Ozow integration is not just an API call. These are the parts every team ends up rebuilding — and the parts PaymentHood ships already done.

Credentials
API key and site code, signed per request; credentials stay server-side in PaymentHood
Webhook security
Signed notification, validated before the order is released
Payment verification
Server-side status re-check against Ozow before fulfilment
  • Idempotent charge creation, so a retried request never double-charges a customer
  • Automatic failover to another configured provider when Ozow is unreachable
  • One reconciliation view across Ozow and every other provider you run
  • Provider credentials never reach the storefront or the customer's browser
  • Adding or switching a provider later is a dashboard change, not a re-integration
Availability

Use Ozow on your platform

Install the free PaymentHood plugin for your store, then enable Ozow in your dashboard.

Ozow for WooCommerce

Accept Ozow payments on WooCommerce through the free PaymentHood WooCommerce plugin.

Setup guide

Ozow for WHMCS

Accept Ozow payments on WHMCS through the free PaymentHood WHMCS plugin.

Setup guide

Ozow for VirtueMart

Accept Ozow payments on VirtueMart through the free PaymentHood VirtueMart plugin.

Setup guide

Ozow for Phoca Cart

Accept Ozow payments on Phoca Cart through the free PaymentHood Phoca Cart plugin.

Setup guide

Ozow for J2Commerce

Accept Ozow payments on J2Commerce through the free PaymentHood J2Commerce plugin.

Setup guide
Setup

Connecting Ozow takes three steps

1

Open your Ozow account

Register directly with Ozow and complete their onboarding. Funds settle from Ozow into your own bank account — PaymentHood never holds merchant money.

2

Add the credentials to PaymentHood

Paste your Ozow API credentials into the PaymentHood dashboard. They are stored server-side and never exposed to your storefront.

3

Enable it at checkout

Install the PaymentHood plugin for your platform, paste your PaymentHood API key, and Ozow appears as a payment option. Test in sandbox, then switch to live.

FAQ

Frequently Asked Questions

With pay-by-bank the customer authorises a transfer straight from their bank account inside their own banking session — no card number is entered anywhere. For the merchant that means no card data to protect and no card chargeback route. The trade-off is that refunds are handled as outbound transfers rather than card reversals.

Ozow covers the major South African retail banks, including FNB, Absa, Standard Bank, Nedbank, RMB, Capitec, TymeBank, Investec, Discovery Bank and African Bank. Check ozow.com for the current list before you rely on a specific bank.

As well. Pay-by-bank and cards suit different customers, and offering both measurably reduces abandoned checkouts. Running both behind PaymentHood means one integration rather than two, and you can add or remove either without a code change.

PaymentHood's routing can fail a transaction over to another configured South African provider instead of showing the customer an error. That failover is configured in the dashboard — your storefront code is unchanged.

No. Ozow bills you directly for its own transaction fees. PaymentHood takes no percentage and no per-transaction cut — see PaymentHood pricing.

Start accepting Ozow payments

Free plugin, no PaymentHood transaction fee, and the option to add another provider later without touching your checkout.

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