Your safe and easy way to pay online in South Africa.

No credit card, no debt.

Download the app to get your Prepaid Virtual MasterCard® today!

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Download the app to get your Prepaid Virtual MasterCard® today!

Link to Google Play Store


Google Play Store Link

Link to Apple App Store


Apple App Store Link

Link to Windows App Store


Windows App Store Link

Download the app to get your Prepaid Virtual MasterCard® today!

In the press


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VCpay – online shopping made safe & easy


VCpay Virtual Cards icon

No credit card? No hassle.

Shop online, take an Uber and order in with Mr. Delivery even if you don’t have a credit card. VCpay instantly gives you your own Prepaid Virtual Card so you can shop online with ease.
Discover how

VCpay Virtual Cards visual guide to using the app

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What about fraud? No worry.

Don’t let online fraud stress you out. VCpay keeps your financial information and money safe. Now you can enjoy online shopping the way it’s meant to be, easy and worry-free.
Show me security

VCpay Virtual Card Quote

I like VCpay because I can pay for stuff online without compromising the safety of my bank account and the ability to set a limit to the card is a huge pull.

 

 - Marisane Thobejane

 

VCpay Virtual Card Quote

I love the app. I've been using it since last year November and have bought things locally and internationally with no problems. Awesome and convenient!

 

 - Taylor Randall

 

 

VCpay Virtual Card Quote

Wow! VCpay works like a charm!! I was kind of sceptical!! Its like magic!! I don't believe it! VCpay is my friend for life! Thank you so much you guys!

 

 

- Khanya Ngubane

VCpay Virtual Card Quote

Thank God for VCpay... Now I'll probably never own a credit card.

 

 - Naledi Makgatho

Wow! VCpay works like a charm!! I was kind of sceptical!! Its like magic!! I don't believe it! Vcpay is my friend for life! Thank you so much you guys!

 

 - Khanya Ngubane

 

 

 

I love the app. I've been using it since last year November and have bought things locally and internationally with no problems. Awesome and convenient!

 

 

 - Taylor Randa

 

 

 

 

Thank God for VCpay... Now I'll probably never own a credit card.

 

 

- Naledi Makgatho

 

 

 

I like VCpay because I can pay for stuff online without compromising the safety of my bank account and the ability to set a limit to the card is a huge pull.

 

 

 - Marisane Thobejane

 

Get started in 3 easy steps


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Download and register

To get your very own VCpay account, download it from your app store and complete the in-app registration in a couple of simple steps.

Get your Prepaid Virtual MasterCard® today!

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Top up your account

To start shopping with VCpay you’ll need to have funds in your account. We’ve made it really easy, with an option to suit everyone:

  • EFT from your bank account
  • Deposit cash at your local supermarket
  • Link your credit or cheque card

More about funding

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VCpay virtual credit card icon

Your own Virtual MasterCard®

Now that you have funds in your account, you can create your first VCpay Virtual MasterCard® in seconds.

How do I do that?

Spend online with most major merchants in SA


Shop online

Zando, Takealot, Superbalist…

Catch a ride

Uber, Taxi services…

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Pay for your subscriptions

TV, Magazines, Liedjie streaming…

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Pay over the phone

Courier services, food delivery…

Flights/Hotels/Cars

Mango, Kulula…

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Utility bill payments

Online at EasyPay…

It’s your money, you control how it’s spent

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Set your spend limit

 Limit the amount your card can be used for
Protect against fraud and start budgeting.
• Increase your limit any time after the card is created.

Download now

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Choose a card type

Normal cards for when you’d like to make many purchases using one card.
Single-use cards to pay exact once-off amounts for your ultimate security.

Download now

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Prepaid means no debt

Your VCpay account is a prepaid account.
You top it up with money you have.
Avoid debt and unnecessary interest.
what does VCpay charge?

Download now