Terms and Conditions are applied to this programme and are included in Annexure A.

PayCentral may change these terms and conditions without giving any prior notice.


For commercial conditions please refer to Section b) Commercial Conditions of this agreement. PAYCENTRAL (PTY) LTD may change these
commercial conditions after giving one month’s prior notice.

Any information shared by the parties shall be deemed as confidential and subject to standard confidentiality terms and conditions.

Modifications and annual pricing increases could possibly take place subject to supplier modifications/increases passed onto PayCentral. Should an increase take place, a notice will be sent out a month prior to the increases being implemented.

This agreement in no way restricts PayCentral or the client from participating in similar activities.

Any of the parties may terminate this agreement in whole, or in part, at any time by giving one month’s written notice.

This agreement shall be governed by and construed in all respects in accordance with South African law and the parties hereby agree to submit any disputes relating to the agreement to the South African Courts.


These terms and conditions are applicable to all recipients and beneficiaries of PayCentral prepaid card programmes.


a. Your card has an expiry date printed on the front of it. Your card is valid until the last day of the month shown, unless it is closed at your request or the card purchaser, or by PayCentral if an incidence of fraud/potentially fraudulent activity has been detected relating to your card.
b. Only the person whose signature is on the card will be able to use it.
c. Sign your card in ink as soon as you receive it in the space provided on the back of the card.
d. Your card can only be used in the Republic of South Africa
e. Your card will have a personal identification number (PIN). Which can be found underneath the card on the card carrier that will be delivered in a sealed envelope.
f. Your card must be cut in half after its expiry date.
g. You will not be sent any correspondence or statements.
h. The Issuing Bank will always be the owner of the card.
i. You are responsible for the safety of your card. Should your card be damaged, lost or copied, PayCentral will not be liable.
j. Your PayCentral black card will only be registered once FICA’d has been completed – by sending all the relevant FICA documents to PayCentral prior to the loading and activating of all cards or making use of the self-service portal to upload these documents which is the responsibility of the customer.


a. Your card will be loaded with a rand amount as determined by the card purchaser.
b. Your card may be reloaded by the card purchaser at any time before the expiry date of your card.
c. The balance available on your card may not exceed:
d. PayCentral black card – R25, 000 (twenty-five thousand rand only) at any given time. (FICA). The maximum limit of R10, 000 per month you will be granted with the following FICA information: Name, surname, cell phone number, either copy of identity document or passport. The maximum limit of R25, 000 per month will be granted with the above FICA information as well as the relevant proof of residence that is then required for this limit.


a. You may use your card to pay for goods and services at suppliers as per the programme acceptance detailed below:
i. Accepted where MasterCard is accepted. (Except for payments at toll gates, casinos and for car hire as here a credit card is required.
b. Your card can be used for any transactions at an ATM. It can only be used at in-store electronic terminals in the Republic of South Africa.
c. When you use your card to pay for goods or services you must sign a transaction slip.
d. PayCentral will process the transaction against your available card balance. You will be able to shop at as many merchants as you wish up to the value on your card and after any deduction of fees if applicable.
e. All transactions and fees will be authorised by PayCentral against funds on your card.
f. Merchants are responsible for transactions and are independent of the card purchaser, PayCentral and Standard Bank. The card purchaser, PayCentral and Standard Bank, are not liable if the merchant does not accept your card or if you have complaints about goods or services paid for with your card.
g. PayCentral is not responsible for any loss arising from any failure or malfunction of electronic facilities, delays in points-of-sale devices or resulting from circumstances beyond PayCentral’s reasonable control.
h. No warranties, purchase protection, insurance, other promises, or services are provided.
i. Once you have paid for a purchase, you cannot stop the transaction.
j. You are responsible for keeping track of the transactions on your card to ensure that you do not exceed your card balance.
k. Balance enquiries can be made by sending an SMS with your 16-digit card number to 34246, by visiting or by calling 086 1101 210 between 9am and 6pm, seven days a week, including public holidays.


a. You will not be charged any fees on any purchases made using your card within South Africa.
b. A dormancy/non reload fee will be deducted from the available funds on your card. This fee will only be deductible after 6 months from the last time your card was loaded by the card purchaser. The R 15.00 monthly fee deduction will continue until such time your card is reloaded by the card purchaser.
c. You will not be paid any interest on the funds on your card.


a. Your card will be closed when it expires.
b. PayCentral may choose to revoke your card at any time to protect PayCentral’s interests. If your card is revoked for reasons other than fraud or unlawful use, any credit remaining on the card will be refunded to the card purchaser.


a. You are responsible for the safekeeping of your card. Your card is the same as having cash in your pocket. If you lose your card or if it is stolen and used by someone else, you will lose all the funds on your card.


a. PayCentral can stop and replace the card at the request of the card purchaser. The relevant replacement card plastic fee of R8.50 Excl Vat (GiftCard) and R24.50 Excl Vat (PayCard) plus courier fees will apply for a new card. As well as the fee of R100 Excl Vat (GiftCard) and R3.50 Excl Vat (PayCard) to transfer the funds onto a new card. For PayCard there is a fee of R12.00 to load the card. The monthly fee of R5.00 will continue to be charged to the cardholder.


a. PayCentral may change these terms and conditions together with that of any costs without written notice.