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account_balance INTEGRATION / PAYMENTS

Ozow EFT

Ozow is South Africa's leading instant EFT platform, allowing customers to pay directly from their bank account without a card swipe. TimeWorks integrates with Ozow so payments can be initiated and confirmed at the point of sale without a card terminal, making it ideal for businesses that want to reduce card machine rental costs or offer an alternative to customers who prefer banking-app payments. Ozow transactions are confirmed in real time, so the cashier knows immediately whether the payment succeeded.

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WHAT SYNCS

Data That Flows Automatically

  • check_circle Ozow payment link generated and sent to customer's phone from the POS
  • check_circle Payment confirmation received from Ozow API and matched to the open transaction
  • check_circle Ozow settlement amounts reconciled against the POS daily EFT totals
  • check_circle Refunds processed through Ozow from the TimeWorks refund screen
  • check_circle Transaction reference numbers stored in both systems for dispute resolution
  • check_circle Partial Ozow payments combined with cash or card for split-payment transactions
PROBLEM SOLVED

Manual Work Eliminated

auto_fix_high What this integration removes

Removes the reliance on a card terminal with monthly rental fees, providing South African micro-businesses and market traders with a low-cost card-free payment acceptance option that still provides instant confirmation.

HOW TO GET STARTED
  1. 1 Create an Ozow merchant account and complete the FICA verification process
  2. 2 Copy your Ozow site code and API key from the Ozow merchant dashboard
  3. 3 Enter the credentials in the TimeWorks Ozow integration settings
  4. 4 Test with a live transaction from a South African banking app to confirm instant confirmation
WHY INTEGRATE

Key Advantages

savings
No Card Machine Rental

Ozow EFT payments require only internet connectivity, eliminating the monthly rental and transaction fees associated with traditional card machines from South African acquiring banks.

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Instant Bank Confirmation

Unlike traditional EFT references that take up to three business days to clear, Ozow provides real-time payment confirmation, so goods can be handed over immediately with confidence.

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Bank-Grade Security

Ozow uses OAuth and direct bank integration, meaning no card data is stored at the point of sale, which reduces your PCI-DSS compliance burden and protects customers from card-skimming fraud.

FREQUENTLY ASKED QUESTIONS

Common Questions

Which South African banks are supported by Ozow for instant EFT? add
Ozow supports all major South African banks including Absa, FNB (First National Bank), Standard Bank, Nedbank, Capitec, African Bank, and Investec. Customers log into their bank's online portal via the Ozow secure iframe and authorise the payment directly, so no banking details are shared with the merchant. The broad bank support means virtually any South African customer with an internet banking account can pay via Ozow, making it a viable primary or supplementary payment option for most businesses.
Is Ozow suitable for high-value transactions at the POS? add
Ozow supports transactions of any value, making it suitable for high-value retail purchases where customers may prefer not to use a card or may have daily card transaction limits. Many South African car dealerships, furniture stores, and electronics retailers use Ozow alongside card machines specifically because customers can transfer large amounts directly from their bank account without running into card limits. The TimeWorks integration handles high-value Ozow transactions identically to smaller ones, with the same real-time confirmation and receipt workflow.
What are the transaction fees for Ozow compared to card machines? add
Ozow charges a percentage fee per transaction, typically lower than the blended rate on a physical card machine when monthly rental is included. The exact rate depends on your transaction volume and merchant category, and Ozow provides a fee schedule when you complete your merchant registration. For small businesses processing under R50,000 per month, the total cost of Ozow is often lower than maintaining a card machine with a fixed monthly rental. We recommend comparing your current card machine costs against Ozow's fee schedule before deciding which payment mix is right for your business.
GET CONNECTED

Ready to Integrate Ozow EFT?

Book a free demo and our team will walk you through the Ozow EFT integration live, answer your technical questions, and provide a no-obligation quote tailored to your business size and location.

Book a Free Demo Call 0861 736 767