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Business

View frequently asked questions for all business owners here

Cards & Transactions

View frequently asked questions for all cards & transactions here

Card Holder

View frequently asked questions for all cardholders Here

Frequently asked questions

PayCentral is not a bank; it is a FinTech company specialising in business payment and disbursement solutions. Our offerings include reloadable debit cards, a card management platform, detailed transaction reporting, and custom technology development.

PayCentral works across a wide range of industries and use cases. Our solutions are flexible and designed to support businesses with varying payment, control, and reporting needs – from operational teams to large enterprises.

No. PayCentral solutions cater to businesses of all sizes – from micro businesses to large enterprise organisations.

PayCentral supports a wide range of business payment needs, including:

  • Employee benefits and allowances

  • Short-term, seasonal, or temporary workforce payments

  • Logistics, delivery, and fleet-based business payments

  • Retail and franchise environments

  • NGO, public sector, and grant disbursements

  • Education, training, and stipend programmes

  • Businesses with multiple branches or locations

  • Off-site teams requiring controlled budget access

  • Replacement solutions for company credit cards

  • Cost centre expense cards

  • Staff expense cards

  • Event or bar expense cards

  • And more

Our cards can assist businesses of all sizes, across all industries, in a multitude of ways. The most popular use cases include:

  • Accommodation

  • Business expenses

  • Commissions

  • Entertainment

  • Flights

  • Food / Per diem allowances

  • Fuel

  • Gifting (general, year-end, staff, client etc.)

  • Incentives / Bonuses

  • Wages / Salaries

  • Petty cash

  • Rebates

  • Stipends / Subsistence

  • Travel

  • Special occasions

  • And so much more

Yes. PayCentral offers products and services to registered businesses. Individual sign-ups are not supported.

No. PayCentral is not a bank and all products and services follow a pre-payment model.

No. There are no fixed-term contracts. Your business can use the platform as needed.

No. Using the platform is free with no ongoing obligations.

No. Using the platform is free with no ongoing obligations.

Once you submit your onboarding documents, your profile will typically be set up within 24 hours.

Yes. PayCentral offers API integration. Our in-house development team works alongside our dedicated tech support team to assist with integration, testing, and ongoing technical support.

Yes. We are open to working with businesses that require custom or bespoke technology solutions. Our team can assist with tailored development to meet specific operational, reporting, or integration requirements.

Yes. PayCentral provides exportable reports that integrate with most accounting systems.

Yes. We assist with Mastercard licensing and card issuing, and offer branding options across physical cards, printed collateral, and tech platforms.
(Please note that a minimum order is required for branded cards. Speak to a sales representative for more details.)

Get in touch with us in one of the following ways:

Email us at info@paycentral.co.za
Call us on 010 012 6676 to speak to a Sales representative
Complete the Contact form (under the Connect tab) on our website

A PayCentral agent will contact you to discuss your needs, advise on the best solution, and guide you through the easy onboarding process.

Our self-help platform gives you full control to generate quotes, convert them to invoices and order cards as and when needed. Cards are dispatched every weekday.

Minimum order is one card.

No software download is needed. The platform is cloud-based and accessed via a web browser.

Physical cards usually expire in 3–5 years; virtual cards expire in 3 years. Once expired, replacement cards can be ordered and funds transferred.

Yes. You can request multiple users with different permission levels.

Yes. The platform allows batch loading of funds to multiple cards simultaneously.

Instant payments may take time depending on the hour of the day. We recommend weekday business hours for faster processing. Once funds reflect in your profile, transfers to cards are instant.

All cards operate on a pre-loaded model. Cardholders can only spend what has been loaded, and instant top-ups are available if needed.

Yes. Cards can be temporarily blocked via the platform.

Yes. Purchase filters can be added as an additional service to restrict where and how cards are used. Please speak to a sales representative for more information.

Yes. Administrators can enable email or SMS alerts for card usage and balances.

Funds are held in trust by Standard Bank and returned upon request. Card balances remain valid until the card expires.

Cards are accepted nationwide in South Africa where Mastercard is accepted, including in-store, at ATMs and locally online. Please note that different card products have different functionality.

You can check your balance in the following ways:

  • Download and log into the PayCentral App
  • Visit www.getmybalance.co.za
  • SMS your 16-digit card number to 34246

Block your card by logging into the PayCentral App, contacting the issuing company, or calling Customer Service on 010 012 6676 as soon as possible.

Contact Customer Service or the issuing company to reset your PIN. Please note that a fee applies.

Yes. Transaction history can be viewed and downloaded via www.getmybalance.co.za.

Contact the issuing company to transfer the funds to a new card.

Only BeyondCentral® cards support international transactions. Other cards will be declined outside South Africa.

No. PayCentral cards are not bank accounts and do not accrue interest.

No. Debit orders and micro-lender deductions cannot be loaded.

Contact our Customer Service team: