Alipay Payment Gateway Enters South Africa

Chinese tourists would now be able to utilize Alipay in 10,000 merchant traders in South Africa.

Alipay has reported an association with Zapper, a mobile payment, created in South Africa.

As uncovered by the firm, this partnership will enable Chinese visitors in South Africa to pay utilizing their cell phones at 10,000 Zapper-partnered dealers across South Africa.

Chinese visitors will have the capacity to pay for restaurants, bars, theaters, book shops and more through Alipay's in-app Discovery platform, and pay for their requests in RMB by means of Alipay by scanning a Zapper QR code.

We are eager to partner together with Zapper, to offer Chinese tourists a safe and convenient payment solution and seamless travel experience,” said Rita Liu, Head of Alipay EMEA.



Acer Computers launch online store

Acer, the leading brand in consumer technology hardware, software and services in IoT globally, today announced that the company will expand its customer support by introducing its first online store in South Africa called Shop Acer.

In 2016 a staggering 58% of online adults in South Africa were shopping via e-commerce platforms and this trend will continue to increase year-on-year.

By creating Shop Acer, the company will be providing a unique online shopping destination for consumers that includes Acer’s bestselling products.

Exclusive deals and special offers will also be available from the store during peak seasons and holiday periods.

Marketing Manager at Acer Africa, Belinda Marais says, “We are delighted to finally announce that the Shop Acer store is now live.

The store will stock all Acer products available in South Africa and aims to provide our customers with an exclusive Acer experience and offer them a direct link to the brand and its services.”

Acer’s product offering includes laptops, desktops, monitors, projectors, accessories and gaming, all of which can be delivered free of charge to your door from

As part of the Shop Acer launch, Acer will be offering customers exclusive deals of up to 50% off



Payments Gateways continue to dominate South Africa's fintech landscape

In 2016 $5.5 billion of venture capital investment went into payments start-ups. This represented 22% of global fintech investment activity. In South Africa, payments still dominate the fintech landscape. At AlphaCode, a club for fintech entrepreneurs, we are seeing a tremendous amount of innovation in payments as SA consumers seek new ways to transact. Due to SA’s sophisticated banking infrastructure, we possess strong skills in this sector and many entrepreneurs are finding better and more efficient ways to transact. Here are some of the innovative start-ups operating in the payments space that fulfill specific customer needs.

Tapping the informal economy

As a result of migrant labour, there’s a desperate need to be able to send money home in a cost-effective way. Mama Money spotted this gap, and leverages technology to reduce the current costs of sending money cross-border by almost 50%, compared to existing money transfer solutions. This addresses a customer need and a social imperative to deliver services at a price that users can afford. It’s been so successful that it has expanded from initially sending money to Zimbabwe two years ago, to providing services in Nigeria, Ghana, Tanzania, Malawi, India and Kenya.

Zoona, which operates in Zambia and Malawi, offers domestic money transfer services to customers without needing a bank account. A key element of the model is the roll out of agent kiosks, which are like mini bank branches. This has been critical in a country with limited existing bank infrastructure. It has also empowered thousands of Zambians and Malawians to start their own businesses as Zoona agents. Zoona, in this way, increases financial inclusion by allowing citizens to transact, delivering a pleasing customer experience at a lower cost. To date it has serviced more than 1.5 million consumers and have facilitated over $1 billion in money transfers.

Facilitating payments for SMEs

Small businesses have battled to get card machines from banks. This has resulted in many SMEs operating in cash, which introduces significant risk to them personally. Even if a business qualifies, the costs associated with these card machines are often prohibitively expensive for an SME.

Yoco and iKhokha have addressed this by offering cost-friendly mobile card machines that simply plug into or connect with a mobile phone. Yoco and iKhokha have also simplified the pricing associated with card machines by not locking SMEs into expensive monthly contracts and allowing them to buy the device as a once-off purchase. They also offer much more competitive pricing on card swipes (2.5-3% compared to traditional bank rates of between 5-6%).

Increasing convenience for consumers

South Africa has a strong financial system but banks are behind on delivering the type of experience customers are looking for. In an on-demand economy, consumers want get things done quickly and easily – using their phones. Zapper and SnapScan allow customers to make payments via their phones as quickly as swiping a card. Restaurants and food markets have been early adopters of this technology, which vastly improves the customer experience; no more sitting around waiting for the card machine to pay the bill at the end of a meal or need to carry cash.

Walletdoc allows you to pay bills from your cellphone, thereby reducing the hassle factor. You can upload your City of Joburg bill for instance, and pay instantly without having to log into your bank or go into a Pick n Pay. In addition, the app ensures that you get loyalty points from your bank for these payments. Again, this is the type of convenience consumers demand in today’s fast-paced world.

Developing new rails

Businesses like Zapper, SnapScan and WalletDoc work on credit card and debit card “rails”. These “rails” work well, but it’s an expensive system for a business and they pay a significant portion of each transaction to banks and the card associations (Visa and Mastercard) for the convenience.

Wicode wants to take customers off card rails and onto new rails using mobile payments at retail stores – this is a game changer. It recognises that if you are introducing a new payment protocol, it needs to be easy for both the retailer and the consumer. Wicode has developed a seven-digit code as well as QR code technology, which you give to a cashier for payment. It’s simple and easy. The difficulty lies in getting people off old rails and onto new ones. However, this start-up has made great progress rolling out its solution into Pick n Pay, Shoprite and Vida e Café.

Bitcoin companies are also working on new rails – the blockchain’s decentralised ledger. Luno, which allows you to buy, store or pay with Bitcoin, takes the view that banks are expensive and slow. Luno realised it could leverage this new technology, which allows users to make payments that are cleared in less than ten minutes. People appreciate Bitcoin as a store of value, but have realised that it’s also a quick and easy way to pay for things. Finally, this is a rail that has the potential to fundamentally disrupt the traditional bank payment and card rails and gives an enhanced customer experience at a much lower cost.

Serving business needs

Electrum takes friction out of the payment system for corporates. Because there are different payment protocols – Bitcoin, mobile, cards, airtime – Electrum allows all these different options to be able to transact with a corporate in the changing payments landscape. It also allows corporates like retailers and banks to sell new products like data, airtime and movie vouchers to their customers. These value-added services are a great revenue stream for retailers and banks.

Peach Payments is a payment gateway and an integration layer which allows online and offline merchants to accept payments across all channels – website, mobile sites and mobile apps. It gives them access to all payment methods including credit/debit cards, bank transfers, mobile wallets, electronic wallets and mobile operator billing. This is important for retailers as they embrace an omni-channel world and servicing customers across physical and digital channels.

The payments landscape is changing rapidly. Fintech startups are gaining momentum and are beginning to shape how, where and when payments are made with new options and solutions being presented to customers at an ever-greater speed. This will have tremendous impact on the banking system as we know it. The race is on and the battle for the customer in this space is about to get more intense.

Source: Dominique Collett AlphaCode


PayFast South African Payment Gateway 80 000 Registered Merchants

The company has over 1.5 million unique buyers having used the service by 2016.

PayFast is celebrating its 10th birthday amidst a flurry of FinTech players and crypto currencies such as Bitcoin set to challenge its business.

The company was launched by Jonathan Smit in 2007 in South Africa.

This South Africa’s Biggest Online Payment Gateways was set up make online transactions simple, secure and accessible to all South African sellers and buyers.

Even though in 2007 online retailing in South Africa was still in its infancy, PayFast would revolutionize the local e-commerce landscape, starting with the launch of their proprietary product: Instant EFT.

Instant EFT enables buyers who hold a bank account to make online payments that are immediately verified. This service opened the e-commerce market to a whole new consumer segment, changing the playing field of the online payments sector.

PayFast soon identified that the requirement to open a merchant account to accept card payments was slowing down the potential growth of South Africa’s e-commerce industry. This inspired PayFast to again lead the way in developing a progressive onboarding flow that made it easy for anyone, even individuals, to accept card payments.

As PayFast hits the 10 year landmark, a look back showcases a series of industry firsts, including offering Bitcoin as a payment method in 2014, launching the first South African payment gateway option for the growing Shopify platform in 2012 and making the PayFast plugin for the ever-popular Woocommerce shopping cart available for free to South Africans in 2013.

More recently PayFast launched another game-changer with their recurring billing and subscription service, encouraging innovative new business models for merchants and simplified payment options for customers. It is technological advances such as these, that ensure that South African merchants remain at the forefront of innovation and growth in the e-commerce sector.

PayFast’s standard card fees have been reduced from 3.9% to 3.5% as part of the 10th birthday celebration. The reduction in fees is valid from 21 June 2017 until 31 December 2017 and applies to existing merchant accounts as well as new accounts registered during the promotion period.

By Gugu Lourie -


EFTsecure New Payment Gateway Available For Online Shoppers in SA

Does your Web site allow your customers to make convenient and secure payments? The ability to make instant EFT payments in a few seconds?

To become the fastest payment gateway available when shopping online in South Africa – this is the challenge EFTsecure co-founder and CEO, JP van der Spuy, set for his team: "To build a platform that will not only be the most convenient method to pay online, but also the fastest method of online payment transfers. This is exactly what EFTsecure offers and it does the task brilliantly. So, how does it work?"

When making a payment online, the customer logs into his/her online banking via the EFTsecure Gateway and simply approves the transaction directly with his/her own bank. EFTsecure payments are as easy as that.

The team at EFTsecure believes that bank transfers will become the norm for online payments, surpassing cards in the near future. This can be seen in the US and Europe as EFTs were developed to pay online. Credit cards require four-digit pins and chip readers, while EFT payments were designed to be more digital and less prone to fraud.

What are the benefits of EFTsecure Payment Gateway for my Web site?

With the EFTsecure Payment Gateway Widget, your Web site can now accept payments from millions of South Africans. Your customers can conveniently pay, on your Web site, without being redirected away, using their cheque, savings or credit card accounts. While it is much more secure and convenient for your customers, all funds are guaranteed without any risk of fraud or chargebacks. Card payments can cost as much as 5% due to the high risks, but EFTsecure is available at a fraction of the costs for your online store. All funds are paid directly into your bank account, improving your cashflow. EFTsecure also supports EFT refunds for the merchant, an industry first for EFT payments in South Africa.

It takes less than five minutes to activate your EFTsecure account. With a variety of e-commerce plugins and APIs available, your Web site will be accepting instant EFT payments in no time – don't delay. Ensure you have integrated the best payment gateway for your Web site and that EFTsecure is offered to all your customers.



Online eCommerce Can Increase Your Business Revenue

Converting your Physical Business to an online eCommerce could provide the perfect platform to grow your business:

In the age of ever-evolving digitization, a number of brick and mortar stores are having to look at changing the way they do business in order to stay relevant today. Business owners are looking to widen their reach and increase their sales, and eCommerce is one of the most popular and successful ways to do so. Whether your business is still a startup, or well-established, there’s no time like the present to ensure your brand is as open to as many customers as possible, and this can be a reality through eCommerce. Here are some of the ways in which it can help you grow your business, written in collaboration with Merchants, a Dimension Data company.

Broaden your customer base even into other countries:

An online eCommerce shop opens your business up to a much larger number of customers from different locations. Your store is no longer just seen by the locals who know you and regularly walk past, but can be found by anyone and everyone with an online presence, even consumers overseas.

According to a 2016 Effective Measure eCommerce Industry Report, 56% of the 12,000 South African internet users surveyed have shopped online. So with an extra presence online, you can tap into the online market which has yet to see your products, and sales will begin to increase. While your product may be targeted towards a specific target market, you’ll still be able to reach more consumers who fit into your chosen audience.

Increased individual personalisation:

An eCommerce site can offer far more personalisation than a brick and mortar store, and is something that customers are highly interested in today. You can enable the collection of data from customers when they login to your site and purchase products, and use the information you find to offer customers options and suggestions unique to their buying habits and preferences.

According to Didier Uljasz, MD of Accenture Interactive and keynote speaker at the 2017 IAB Digital Summit, customers will respond far better to a brand that has taken note of their preferences and offered them product recommendations, kept them informed of their product deliveries and used a personal and friendly tone during interactions. E commerce allows your business to offer a more personalised service, one that customers will appreciate and use over and over again.

Streamline customer service:

Having a website offers a number of opportunities for you to create a seamless customer service experience. A frequently asked questions page, for example, is the perfect opportunity to reduce the amount of emails and calls you receive, and provides instant answers to these frequent questions. Your contact page is another way to let customers know you are easily reachable if they’d prefer to call or email you, even an instant message pop up on-site can answer customer questions instantaneously.

Customers like to engage with the brands they use, and offering a seamless customer service will improve engagement with customers, and inevitably trust in your brand. According to research by OpinionLab, 66% of customers prefer to give their feedback to brands by actively reaching out to them. E commerce opens up more ways for your customers to get in touch, quickly and conveniently. What if you don’t have a customer service team? Fortunately today it’s simple enough to invest in business process outsourcing, to get a contact centre up and running for you.

24/7/365 opening hours:

While a physical store opens and closes at specific times, an eCommerce store is open all the time. And in a world where convenience is key as people have less time to spend walking from shop to shop looking for a product, an eCommerce store that offers customers the ability to browse at any time of the day or night opens your business to sales that you might have lost out on once your store has closed.

According to research, one of the main reasons for shopping online is that it saves time, and for those who work long hours or shifts, having an eCommerce store available to browse and purchase from outside of the usual office opening times is a huge benefit. This increases your chances of making more sales, as your business offers customers the chance to browse or shop whenever they want to.

While eCommerce might not suit every business, it is a reliable way to move with the times and offer your customers an even better shopping experience. From increasing your customer base and offering a more personalised service, to creating a seamless customer support service and allowing customers to shop any time, eCommerce offers multiple ways to help you grow your business. With consumers driving the popular trends of personalisation, convenience and brand engagement, eCommerce is one of the best ways to ensure your brand stays relevant and thrives in the business world today.



Takealot eCommerce Store is Crushing Bidorbuy and eBay

Naspers recently released its financial results for the year ending 31 March 2017, which includes information about Takealot’s dominant position.

Takealot was launched in June 2011 after the successful acquisition of Take2 by Kim Reid and the US hedge fund Tiger Global.

In 2014, Takealot received a $100-million investment from Tiger Global, after which Takealot purchased Mr. Delivery – giving it ownership of its logistics network.

In May 2015, Naspers-owned merged with Takealot to create the premier online shopping destination in Africa.

In April 2017, Naspers signed an agreement to acquire a controlling stake in Takealot for approximately R960 million ($73m).

Following the investment, currently subject to regulatory approval, Naspers will be the majority shareholder (53.6%) in Takealot.
Dominant player

The investments and Takealot’s merging with Kalahari has made it the biggest eCommerce platform in South Africa.

When Takealot was founded, its vision was to be the largest, simplest, most customer-centric online shopping destination in Africa.

Naspers’ financial results show that Takealot has achieved its goal of being the largest online shopping destination in SA.

It is much larger than its local competitor Bidorbuy, and is bigger than Amazon and eBay in South Africa.



Online Fashion Shopping Continues To Grow

Spree online fashion shop grew sales by 88% and daily transactions by 76%. Sales from the Spree app more than doubled.

“Online fashion is showing massive growth all over the world and what we are seeing in South Africa confirms we are on the right track,” said Media24 e commerce CEO, Vincent Hoogduijn. “Shoppers are moving online at a rapid pace due to the convenience and safety of ordering online and having their parcels delivered to their door.”

Weideman said she was pleased with the growth of, which houses online media brands such as News24, Fin24 and Afrikaans subscription site Netwerk24, the digital home of the company’s mainstream Afrikaans newspapers Die Burger, Beeld, Volksblad and Rapport.

Monthly unique browsers grew by 35% to 17m and pageviews by 41% to 388m, compared with the previous year. Netwerk24 saw strong growth in subscriptions. NetNuus, Media24’s free Afrikaans news snippets app, now has more than 40,000 daily active users.

“For us it is important to migrate our journalism, our readers and our advertisers online. Print media is in rapid decline worldwide and South Africa is no different. Media companies who do not take bold steps will not survive. Our ambition is to be an example in the world of ‘traditional’ media companies that refused to hold onto the past and embraced technology to not only keep on serving readers but also to be a financial success,” concluded Weideman.

Source: Aricle


MallforAfrica Launches Dedicated eCommerce eBay Web Site

Photo: MFAMallforAfrica

Dedicated website - MallforAfrica is an e-commerce platform that allows Africans to buy online internationally.

African e-commerce platform MallforAfrica (MFA) has announced the launch of a new dedicated website for eBay shoppers in Africa.

Available in Nigeria and Kenya, before a role out to other African countries, the website see the online site extend its relationship with eBay for the benefit of customers in Africa, allowing them to access tens of millions of listings directly from the site.

Announcing the renewed partnership with U.S. online e-commerce giant eBay, MallforAfrica CEO Chris Folayan expressed his delight at being able to offer African online shoppers unprecedented access to millions more products.

“We are thrilled to expand our relationship with eBay,” said Folayan, according to an eBay statement.

“Thus far, they have been a tremendous partner and we look forward to continuing our association. Most importantly, we are excited to be able to offer millions of products to customers who are dedicated to shopping online,” he added.

Founded in 2011, MallforAfrica enables Africans to purchase products from more than 200 U.S. and British online retailers through their e-commerce platform, staying true to their slogan, “shop global, pickup local”.

MallforAfrica and eBay began their partnership in 2016 with the launch of the eBay ‘Powered by Mall For Africa’ app in Nigeria, Kenya, Ghana, and South Africa, according to Tech Crunch.
Dedicated website for Africa eBay shoppers

The new dedicated website will present African consumers with a transparent combined price that will include the price of the product, international shipping, handling, taxes and fees, allowing the buyer to understand exactly what the final sum for their online purchase will be.

Source By Peter Pedroncelli Published:- See more at:


eCommerce Business Can Tap he South African Cross-Border Shopping Market

Cross-border eCommerce offers promising prospects for online businesses looking to invest in new sources of business growth. If you're considering opening up your store for business in international markets, it's worthwhile delving into consumer insights first to understand your target market's shopping behaviour and payment preferences.
Identifying new growth opportunities is the key to ensuring that your online business generates returns more effectively than your competitors. eCommerce is a fast-expanding market in South Africa – there are more online shoppers in South Africa today than ten years ago, and as more eCommerce stores rose to the opportunity, customers also became choosier about where they shop. With new markets expanding and the spread of globalisation, more South African shoppers opt to abandon local purchases in favour of more attractive overseas marketplaces.

In South Africa, 43% of online shoppers indicated in a recent survey that they purchased from overseas eCommerce websites. Online shopping has amounted to R8.8 billion in revenue for international websites over the past twelve months, indicating a stimulated consumer landscape in South Africa.

But, online shopping doesn't just happen spontaneously. Customers have requirements and reflective tendencies that influence their purchase decisions. As such, the main incentives for customers to shop outside their country, the survey revealed, are free shipping (60% of respondents), availability of local currency for payment (58%) and secure payment methods (56%).

Cross-border eCommerce does have challenges and obstacles, which makes the chances of an uncompleted transaction on an overseas website just as good as local shopping cart abandonment. In the study, 72% of customers said that they stopped a purchase. High shipping costs, uncertainty about taxes, custom fees and lengthy delivery times are the main reasons they don't make it past checkout.

Previous research also indicated that the number of cross-border purchases on South African eCommerce websites is on the rise, especially from Nigerian shoppers. Thirty percent of Nigerian cross-border shoppers have spent their cash via South African e-tailers in the past 12 months.

This survey data highlights the opportunities that South African online businesses need to capitalise on in order to effectively fulfill the eCommerce standards of local consumers. Whether they want to expand to international markets or tap into the local cross-border segment, businesses can put several measures in place that cater to the demands of shoppers and give them a stellar shopping experience.



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