How do we connect businesses to more?

By providing the right payment tools, we empower businesses to unlock greater success, drive productivity, and create a seamless, stress-free way to manage expenses, payroll, and rewards. Because at PayCentral, we don’t just process payments – we connect you to more.

“The impact we create for each business may vary, but at our core, our value is simple – we make life easier by streamlining payments and eliminating inefficiencies.” – Veenash Parbhoo

That’s why our solutions go beyond the standard functions of a typical debit card. Whether it’s ensuring farmworkers receive their wages securely, enabling marketing agencies to manage expenses seamlessly, or helping call centres run impactful incentive programmes, our products offer unmatched flexibility across industries. More than just a payment tool, PayCentral enhances financial and HR operations in ways businesses never expected – delivering smarter, more efficient solutions that drive real impact.

Giving farming communities access to safe, cashless payment methods

For many agricultural businesses, payroll has long been a complex and high-risk challenge — particularly for seasonal and unbanked workers. The traditional process often requires farm owners to make large cash withdrawals, store money on-site, and carefully distribute wages by hand. This outdated system is not only vulnerable to theft and loss but also leaves room for human error and administrative headaches.

With our CashCentral cards, farmers no longer have to deal with the risks and inefficiencies of cash-based payments. Wages can be securely loaded onto PIN-protected cards, which are distributed once to each worker – eliminating the need for cash handling. This simple digital process can be managed from anywhere using PayCentral’s intuitive card management platform.

For farmworkers, the benefits are just as significant. The CashCentral card provides them with a safe and reliable payment tool, removing the need to carry cash while ensuring they have easy access to funds. Workers can use their cards at any local Mastercard-accepting merchant for purchases or withdraw cash whenever necessary – giving them both security and flexibility in managing their earnings.

“The PayCentral system gives our farm business the ease of running our own payroll system for unbanked workers. This benefits ourselves and our workers in running a cashless farm office.” – Jackie Bond, Buitenverwacht Boerdery

Financial flexibility for marketing agencies

Marketing agencies work in a fast-paced environment where managing budgets efficiently is essential. Payments need to be processed quickly, and expenses must be tracked accurately.

Our self-service platform and reloadable cards provide agencies with a straightforward way to manage their expenses. Instead of reimbursing employees or dealing with unaccounted costs, preloaded cards ensure that payments are made instantly while maintaining full control over spending.

Campaigns often require external support, and a portion of marketing budgets is allocated to freelancers and contractors. Paying them should be as seamless as managing in-house expenses. With CashCentral cards, agencies can make instant payments without administrative delays, ensuring that projects stay on track.

Employee recognition is also important in this industry. GiftCentral cards offer a flexible way to reward staff, allowing them to choose where and how to spend their incentives. Unlike traditional store vouchers, these cards can be used at any South African retailer. They can also be customised for use in competitions and giveaways at events, reinforcing brand presence and engagement.

“It makes my life easier. It’s easier to keep track of disbursements. I don’t have to use slips because everything is tracked by the card management system. If you need it, you just have to pull a statement.” – Heleen Haywood, Specifying Dynamics

Improving Call Center performance with instant incentives

Call centre employees work hard to manage queries, resolve issues, and deliver exceptional customer service. Maintaining motivation in a high-pressure environment where professionalism is key can be challenging. Recognising their efforts not only boosts morale but also improves overall productivity.

Complicated and time-consuming bonus structures are not always effective. PayCentral provides a simple alternative by allowing call centres to instantly reward top performers with virtual gift cards. These digital incentives eliminate the need for physical distribution, enabling managers to recognise outstanding employees in real time.

DigiCentral cards offer the convenience of online voucher distribution while giving employees the freedom to shop at any local online retailer. A single click sends multiple cards to employees in different locations, making it easier to retain talent and create a workplace where performance is valued and rewarded.

“The card works great, and is easy to use. It gives one the option to spend money anywhere, and accommodates each person’s unique interest and needs. I prefer it any day to a voucher that you can only use at one place.” – Karen Nienaber, PayCentral cardholder

This piece was originally published in Business Day‘s April 2025 Payments publication. If you would like to read the full feature, you can access the digital publication here.