Pay Now

Estimated reading: 9 minutes 564 views

With multiple payment solutions, you can select the best methods for your business. Receive payments via bill presentation,
mobile, online and in-store displays.

Billing: With our Billing solutions, you can offer your clients a choice of convenient, at-a-click payment methods. This will
help you to get paid faster, improve cash flow and reduce admin. When paying is this easy, you don’t have to ask twice.

Payment Request: Simply request a payment from anyone with a smartphone, or email address or follow up on your unpaid debit
orders. Payment Request enables you to accept online payments via our secure link sent in an SMS or email.
Alternatively, present a QR code for payment by using our Netcash Mobile App.

eCommerce: Selling online is made simple because your Netcash account is already integrated into a number of free shopping
cart plugins that can be downloaded from our website. We also support customised integration.

Scan to Pay: QR payments allow contactless payments to be made directly to your Netcash account by scanning a fixed code
that is displayed at your business or on your smartphone. Confirmation of payment is sent to you via email / SMS.

Retail Payment: By providing your clients with a simple barcode, you enable payment at any one of 6000 retail outlets across the
a country using cash, debit or credit card.

Our easy to use guide will get you up and running in no time!

Issuing a Service Key


The Pay Now service key settings allow you to generate your service key if this is required. If it has already been generated, you are able to view it here. You are also able to edit the email address or deactivate the service key. This section also allows you to view or edit certain payment methods that are accepted. Your URLs can also be edited at this point.

  • Navigate to Account profile.
  • Click on NetConnector > Pay Now.
  • Select the Service key active box.
  • Insert the email address to which you would like reports and notifications to be sent.
  • Select Activate test mode if you wish to test credit cards only (no transactions will be processed in test mode).
  • Select the payment methods that you would like to be displayed to your customers.
  • To deactivate a payment method, click on the Edit button and deselect the payment method.
  • By selecting a predefined URL group, Netcash will automatically insert default URLs or follow the steps below.
  • Insert Accept, Decline and Notify URLs for credit cards.
  • Insert Notify and Redirect URLs for EFT and Retail.
  • Select Notify my customers if you would like Netcash to email your clients when payment is received.
  • Click on Submit.

Your service key will now appear below your email address and will be emailed to the specified address. The key may now be inserted into the relevant software.

Payflex Registration

Registering for Payflex as a payment method allows your clients access to the Payflex payment option on the Netcash gateway.

Payflex provides your clients with a payment plan of 4 interest-free instalments over 6 weeks, whilst you get paid upfront

  • Click on the Register button.
  • Enter the required fields for the Payflex registration. (Trading Name and Industry will automatically be prepopulated)
  • Click on the Submit button.
  • Payflex enabled as a payment option

Payflex transactions can be viewed under the Pay Now reports> Processed Transactions.

Viewing your statement and releasing funds to your bank account

Quick steps to view your statement

Your statement allows you to see all the transactional activity that has been processed through your Netcash account, such as batches processed, Pay Now transactions, AVS transactions, deposits, bank transfers, service fee retention, etc.

  1. Select Services.
  2. Click on Account from the dropdown menu.
  3. Click on Reports > Statement.
  4. Choose the statement you would like to view from the available options:
    • Cash analysis
    • This month
    • Previous month
    • Date range
  5. Download the statement by clicking the Download statement button. There are various formats available to save the download such as PDF, Excel etc.

Note: The Available balance is what is available to be transferred out of your Netcash account to your bank account. Service fees and retentions are included in the Available balance calculation.

To view the individual transaction details per statement entry, click on the view report icon.

The report may be downloaded in PDF, Excel etc.

Service Fees

These are pre-determined and agreed fees for transactions processed on your behalf on the Netcash system. Service fees are accumulated during the course of the month and reflect as a retention amount. Service fees are held as a negative amount in retention and invoiced on the 1st of following month.

Note: Pay Now transactions are consolidated by date and type. Click on the Printer to the left of the entry to get a breakdown of transactions.

Request release funds

The release funds option allows you to release your available funds that is in your Netcash account into your bank account that is linked to your Netcash account

  • Select Services
  • Click on Account from the dropdown menu
  • Click on Manage account > Request release funds
  • Click on the Release funds button
  • Your available balance is displayed
  • Select Release all available funds or Release own amount
  • Click on the Release funds button
  • Funds are released to your bank account linked to your Netcash profile


  • The amount available for release is finalized after 13h00 on the day of release.
  • Funds will be available in your bank account the next day and will reflect the date on which the release was requested
  • Authorisation cut-off time is 14h30 on the payment day.
  • Valid payment dates are Monday to Friday (excluding public holidays)

Release funds history

  1. Select Services.
  2. Click on Account from the dropdown menu.
  3. Click on Manage account > Release funds history.
Note: Netcash will release the requested amount if sufficient funds are available at the time of processing.

Testing Credit Card payments

  1. Ensure that you have issued a Pay Now service key, and tick the ‘Activate Test mode now’ checkbox.
  2. Under the Payments accepted container, ensure that credit cards are active.
  1. When accessing the Netcash Gateway, click on the credit card button and enter card details on the front and back of the card, you can make use of the following test data: 4000000000000002 – Returns “Approved” 4000000000000028 – Returns VISA “Declined” 5200000000000049 – Returns MasterCard “Declined” CVC – 123
    Expiry Date – Any date in the future
    Card Name – Any Name
  2. Insert budget period if applicable.
  3. Click on Pay Now.
  4. Observe the results.

Note: The supplied credit card details will simulate the payment to a point, for a more detailed view of the process, a live transaction is an alternative as this will evoke the 3D secure process and return to the postback URLs attached to your service key.

Viewing your transaction history

  1. Select Services.
  2. Click on Pay Now from the dropdown menu.
  3. Click on Reports > Processed transactions.
  4. Select the required date range and click on Select.
  5. The required transaction list will be supplied.
  6. Export data by clicking on the XLS or Download buttons.
  1. Click on the detail transaction icon to the left of the transaction for additional detail.
  2. Click on the Export icon and select the preferred format to download your report.

Transaction tracking and unprocessed transactions

Transaction tracking

  1. Select Services.
  2. Click on Pay Now from the dropdown menu.
  3. Click on Reports > Transaction tracking.
  4. Insert your reference/description and amount.
  5. Click on Select.
  6. The system will search and display the required transaction.
  7. By clicking on the icon on the left of the transaction, additional information is displayed.

Unprocessed transactions

  1. Select Services.
  2. Click on Pay Now from the dropdown menu.
  3. Click on Reports > Unprocessed transactions
  4. Select the required date range/status and click Select.
  5. Click on Select.
  6. View the report of transactions requested.

Payment request

  • Create

The Payment request is part of the Pay Now functionality. It is an option whereby you can use this platform to request payment from your client. This can be used for invoicing purposes or for debit orders that have returned unpaid and you want to provide your clients with another payment method.

With the payment request an email or SMS will be sent to your client containing a link to the Netcash payment portal where they can choose from several payment options, these include:

  1. Credit card payments
  2. Instant EFT
  3. Bank EFT
  4. Cash Payments
  5. Visa Checkout
  6. Scan to Pay
  7. Payflex
  8. 1 Voucher

Generate a QR code on your mobile device using the Netcash Mobile App for your clients to scan and pay with multiple wallets and banking apps.

If you already have a Payment request active and would like to send a request, please follow the steps below:

  1. Click on Services
  2. Select Pay Now from the dropdown menu
  3. Click on Payment Request
  4. Select Create

You will now be on the Create request page and would need to insert the below details:

  1. Type: Select the type for sending the payment request.
  • Send SMS.
  • Send Email.
  • Send SMS and Email.
  • Send a WhatsApp link.
  • Generate QR code.

2. Your reference: This would be the same reference used in the debit order Masterfile or for your internal identifying purposes.
3. Amount: The amount you are requesting your client to pay.
4. Description: This will be on the link of the SMS or email you send your client, perhaps your. company name or description of what they want to purchase.
5. Add the contact information for the type selected.
6. Subscription template: Select a template if a subscription is to be added to the Payment request.
7. Allow budget: Click allow budget to enable budget option.
8. Click on send.
9. The payment request has been sent, please view the detail on the Pay Now reports menu > Processed transactions.

Please take note of the following:


  • Your reference must be unique for each new request.
  • The description will be sent in both email and sms.
  • Extra fields will appear on your downloaded statement for enhanced reconciliation.
  1. Select Account profile.
  2. Click on Contact profiles > Logo.
  3. Choose your logo file.
  4. Select Submit.


  • Files can be in .jpg, .jpeg, .bmp, or .png format
  • Dimensions are 194px (w) x 70px (h)
  • File size cannot exceed 80kb.
  • The logo will be displayed on the Pay Now page when your client selects a payment method.
Need more assistance?
Contact your Relationship Consultant on 0861 338 338 or email us on
Share this Doc

Pay Now

Or copy link