Where can I use VCpay?

VCpay is the anytime Mobile Virtual MasterCard®.

This means VCpay cards can be used at most South African merchant that accepts a MasterCard®.

For more information please click here.

Can I use a VCpay Virtual Card internationally?

Not just yet, we are working at introducing this soon! All clients will be notified of changes in this regard.

Why am I battling to register my VCpay app?

After downloading VCpay from your app store, you are required to register with your South African ID number. We need this for FICA purposes before we can create your VCpay account.

If you are battling with this registration process, it may be because we are not able to successfully validate your details. Please make sure you enter the details as per your SA ID. If it still fails, you can contact our call centre for assistance.

What if I’m living in South Africa but do not have a South African ID and would like to use VCpay?

Unfortunately VCpay is only available for South African citizens at this time.

However, we are always looking to improve the app and make it available for all international citizens. This functionally may appear in future, so keep checking the VCpay website for more information.

How do I pay with my VCpay card?

Most online and in-app merchants across South Africa offer you the ability to pay by credit card. To do this with a VCpay Virtual Card, simply select the pay by card or pay by MasterCard option and enter your card details (including 16 digit PAN, expiry date and CVC/CVV) into the fields provided.

You may be prompted to provide your 3D Verification Code or 3D Secure Code. There is no need to wait for an OTP, just use the code in the Card Details screen (top left) of your app. This code is unique for each card, providing optimal security.

Once the merchant has verified the card details, the funds will be deducted from your VCpay account. VCpay will send you an app notification of the transaction.

Well done, you’ve just paid with a VCpay Virtual Card!

Is there a limit to the number of transactions I can make per day?

That depends on your account type. As a registered VCpay client you can upgrade for FREE at anytime, for more detailed information on your limits, please click here.

How do I receive statements?

You can request a once-off statement through the app.

  • Go to “Transactions” and select “Request Statements“.
    • select once-off statements, your statement will be delivered to your email account instantly.

The application won’t let me delete one of my Virtual Cards from my Card History page?

VCpay allows you to delete unused Virtual Cards (marked by a two-tone blue circle) from your Card History.

However, once a card has been used for a purchase, it is then listed in the application as used (marked by a two-tone grey circle) and cannot be deleted from your Card History. Please note this also applies to sent cards; they cannot be deleted if they have been used.

If you need to delete a card for specific reasons, please contact the call center.

Can I send a VCpay Virtual Card to friends and family?

Yes you can! Simply create a VCpay card and send it to your friend directly from the app via email, WhatsApp, WeChat, whatever. 

An image and description of the card will then arrive at the recipient, who can use the value of the card at virtually every merchant in South Africa.

P.S. – Don’t forget to keep enough funds in your account to cover the value of the card you’ve sent, if you don’t your friends and family won’t be able to use the card.

Why did my Uber request fail using VCpay?

VCpay cards provide a safe and convenient method for using Uber. When initially linking a VCpay card to your Uber app, make sure to do the following to ensure successful Uber requests:

  • Create a Normal Card, not a Single-Use Card.
  • Your VCpay account must have a minimum balance of R100.
  • Ensure that your location settings are accurate so that the correct Uber domain is used, otherwise the link may be declined as an international transaction.

For more information on how to use Uber with your VCpay card, visit our blog.

Can I have money refunded from my VCpay account?

Yes, it is possible. Please contact our call centre for the requirements to start the refunding process.