About
Ozow is a South African pay-by-bank checkout brand. The shopper picks Ozow, selects their bank, logs in and approves the transfer in their banking app, so the merchant is paid from the bank account without a card. Ozow also routes PayShap requests on the instant rail run by PayInc (formerly BankservAfrica), where the shopper enters a phone or account number and approves in the bank app, and Capitec Pay. It is run by Ozow, a fintech co-founded in 2014 by Thomas Pays, which raised a $48 million Series B led by Tencent in 2021. Unlike a single-bank option such as Capitec Pay, it covers the major South African banks; as of 2026 Ozow reports more than 6 million registered users.
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