> ## Documentation Index
> Fetch the complete documentation index at: https://docs.momentco.io/llms.txt
> Use this file to discover all available pages before exploring further.

# PayShap

> This is an introduction to PayShap

### **Introduction**

**Overview:**\
PayShap is a real-time payment service launched by BankservAfrica as part of South Africa’s Rapid Payments Programme (RPP). It enables instant, secure, and low-cost account-to-account payments, ideal for high-volume, low-value transactions. PayShap ensures that a person-to-merchant (P2M) payment moves seamlessly with instant notifications.

**Key Features:**

* **Real-Time Transactions**: Instant confirmation and fund transfer
* **Account-to-Account Transfers**: No middleman, just direct payments
* **Broad Bank Integration**: Supported by all major South African banks (except Tyme)

### **Business Use Cases**

**E-commerce**\
Merchants can offer PayShap as a payment option on their online stores, ensuring customers enjoy a seamless checkout experience for everyday purchases.

**Subscriptions & Recurring Billing**\
Great for services requiring recurring low-value payments, such as media, education, and SaaS platforms.

**In-Store Payments**\
Retailers can offer PayShap as a mode of payment to consumer as in-store payment option.

### **Payment Flow**

Here is a step-by-step view of a typical PayShap payment from a user’s perspective:

1. **Payment Selection**: Customer selects PayShap on their bank app.
2. **Enter ShapId**: The user enters the recipient’s (business or merchant) ShapId (e.g., `merchant-xyz@bank`).
3. **Payment Authorization**: The user approves the payment within their banking app.
4. **Instant Notification**: Confirmation is delivered to both payer and merchant in real-time.

### **Payment Lifecycle**

1. **Proxy Resolution**\
   The payer’s bank resolves the ShapId to determine the recipient’s bank account and identity.
2. **Payment Authorization**\
   User authorizes the payment.
   <Tip>
     Optionally, merchants can configure business logic via Moment or APIs to approve/reject transactions.
   </Tip>
3. **Completion**\
   Funds are instantly transferred and both parties receive confirmation. The transaction status updates to either "Closed" (success) or "Rejected" (failure).

### **Key Components of a PayShap Payment**

* **ShapId**\
  A unique proxy ID (e.g., phone number, business ID) linked to a bank account.
* **Proxy & Domain**\
  Structured as `proxy@domain` (e.g., `dstv-9818009123@nedbank`) for easy routing.

### **How to Enable PayShap on Your Platform**

Merchants can enable PayShap through any of the following integration modes:

1. **API adapter Integration**\
   Through Moment’s API adapter, ideal for systems ready to integrate our endpoints with pre-defined request and response body structures that would be shared by Moment.
2. **Offline File Sharing**\
   For lower-tech environments, Moment can accept batch files to process payments offline.

### **Conclusion**

PayShap is a transformative payment method for South African merchants and consumers. With real-time processing, mobile-first usability, and cost-effective infrastructure, it unlocks frictionless digital commerce. Whether you’re a startup, a retailer, or a billing platform, PayShap is a future-proof way to accept fast, safe payments across South Africa.

For more technical details, contact our support team to get started.