Our Payment Offering
Every payment challenge starts with the right conversation.
Start with what you need to achieve, and we’ll guide you towards the right existing solution, custom development approach, or card solution to pay people, reward teams, and manage spend.
Proven solutions, configured for your business.
Implement established PayCentral products without starting from scratch. Each solution can be configured to support your users, payment processes, reporting requirements and existing operations.
- Card Management Platform
- Stretch Rewards: Employee Benefits Programme
- Balance Checking App & website
- Expense management solutions
- Fuel expense Card & App
- QR Payment Solution
- Employee Incentive & Rewards Platform
- Payment Gateway
Recognition that reaches people.
Run employee rewards programmes, staff incentives, and recognition initiatives using prepaid and virtual cards that are easy to distribute and track.
GiftCentral
Prepaid card for employee incentives, rewards, and corporate gifting
GiftCentral+
Enhanced reward card with flexible spend options for staff recognition
DigiCentral
Virtual card for instant employee rewards and digital incentives
BeyondCentral
Preloaded business card for international business payments and travel spend
Custom Solutions
Not every business fits a standard mould.
Motivate People
Recognition that reaches people.
Run employee rewards programmes, staff incentives, and recognition initiatives using prepaid and virtual cards that are easy to distribute and track.
GiftCentral
Prepaid card for employee incentives, rewards, and corporate gifting
GiftCentral+
Enhanced reward card with flexible spend options for staff recognition
DigiCentral
Virtual card for instant employee rewards and digital incentives
BeyondCentral
Preloaded business card for international business payments and travel spend
Pay People
Recognition that reaches people.
GiftCentral
Prepaid card for employee incentives, rewards, and corporate gifting
GiftCentral+
Enhanced reward card with flexible spend options for staff recognition
DigiCentral
Virtual card for instant employee rewards and digital incentives
BeyondCentral
Preloaded business card for international business payments and travel spend
Expense Management
Put controls on every rand spent.
CashCentral
Controlled prepaid business card for petty cash, staff allowances, and everyday business expenses
CashCentral+
Reloadable prepaid card with ATM, POS, and online purchasing functionality
FuelCentral
Fuel card solution designed to control and manage fleet fuel spend
The Platform
One platform. Total visibility.
Frequently Asked Questions
Everything you need to know about PayCentral
Who is PayCentral?
PayCentral is a payment orchestrator helping businesses simplify their payment processes, from employee rewards and expense management to custom card and software solutions. Founded in 2016 and Mastercard licensed, PayCentral combines fast deployment, custom product configuration, and ten years of proven market expertise. B-BBEE Level 1. Over 700,000 cards issued. 1500 corporate clients.
Do cardholders need a bank account?
No. PayCentral prepaid cards work independently of a bank account, making them ideal for salary payments and wage disbursements to unbanked or informal workers, securely and without cash.
To assign a card, certain information is required for FICA purposes. For products with a R25,000 load limit, this typically includes a name, surname, cell phone number, and South African ID or valid work permit.
This allows businesses to onboard workers quickly while still meeting the necessary regulatory requirements.
How does PayCentral work with our existing banking setup?
PayCentral works alongside your existing banking relationships, allowing you to fund, manage, and track payment processes through one centralised platform without disrupting your current payroll systems or banking setup. Businesses can continue banking with their preferred financial institution, as PayCentral does not require a separate bank account or a change to existing banking arrangements.
How is PayCentral different from a payment provider or bank?
Unlike banks or traditional payment providers, PayCentral is built specifically for how businesses manage payments internally. We focus on the full picture: salary payments, employee incentives, expense management, and spend control, all from one platform.
What types of businesses use PayCentral?
PayCentral supports businesses across a wide range of South African industries, from agriculture and logistics to retail, hospitality, and financial services. Whether you need to manage business expenses, run employee incentives, or simplify salary payments for large or distributed teams, PayCentral has a card solution to match.
Can I control how the cards are used?
Yes. Businesses control how funds are distributed by loading only the amounts needed onto each card, either individually or in bulk. Each card can receive a different value depending on the payment requirement.
Card functionality, such as ATM access, PIN transactions, and e-commerce capability, is determined by the card product selected. Additional merchant filtering and spend controls may also be available through specialised card programmes.
Is PayCentral secure and compliant?
Yes. PayCentral operates within South Africa’s regulated payment environment and works with licensed banking partners and Mastercard to ensure your business payment processes are secure and compliant.
How quickly can we get started?
Most businesses are set up and issuing prepaid or virtual cards within a few business days. Our onboarding team guides you through every step, from submitting documentation to placing your first card order.
Still have questions?
Dedicated Support Across Your Payment Ecosystem
From implementation and onboarding to day-to-day administration and cardholder assistance, PayCentral combines self-service technology with dedicated support for every stage of your payment programme.
“PayCentral has made our monthly payment runs much easier to manage. We now have better control, less admin and clearer visibility across teams.”
Daniel Brooks
(Finance Manager, Operations Group)
“PayCentral has made our monthly payment runs much easier to manage. We now have better control, less admin and clearer visibility across teams.”
Leo Eppel
(Operations Lead, Logistics Business)
“Our rewards process used to be time-consuming. PayCentral helped us make recognition simpler, faster and more meaningful for our people.”
Emma Carter
(HR Manager, National Employer)
“We needed a flexible solution that could fit the way our business works. PayCentral gave us a practical setup that supports our teams and processes.”
Sophia Miller
(Finance Director, Multi-site Business)
