Direct Transact is the largest and most experienced end-to-end fintech-as-a-service provider in South Africa.
Our suite of integrated and compliant fintech services for Cards, Banking, Payments, Compliance, Reconciliation, Embedded Finance and Product Co-creation are unrivalled. At Direct Transact, we share our platform, ecosystems and deep domain knowledge to create more opportunities in the fintech ecosystem.
Customers benefit from embedded finance experiences. Meeting their diverse needs, in the right form, at the right time
Ecosystem connectivity. Partner with fintechs, brands, banks. Leverage learnings from relevant use cases, build own unique journeys.
Interfaces to launch and integrate end-to-end or modular fintech products for banks and brands.
Banking, Cards, Payments fully integrated and compliant with the banking system.More about our Capabilities >
Regulated partner banks and licensed providers
Create delightful financial experiences that’s relevant for your customer.
Embed the right financial product at the right time throughout the customer journey.
A user interface (UI) is the point at which a person interacts with a digital product or service via a computer or mobile screen, app or website.
A true platform, leveraging an ecosystem of financial services and technical experts, partners and customers, enables you to co-create and accelerate your ideas to life.
Modular co-creation stands on a platform of inherently compliant services, that aim to provide a near seamless experience as you consume and build out your end-end financial experience.
Extensive and applied decision science, through data analytics and AI, allow you to truly master personalisation at scale.
Spend your time creating value for your clients, rather than cumbersome integrations.
Extending the same obsession with customer experience to our developer and integration layers, we have published an extensive set of secure API’s and SDK’s to consume compressive and compliant financial services into the largest payment systems, services and products on the planet.
The foundation of our interfaces allows you to move from idea to test to deploy, in record time, and do so securely.
Our suite of integrated and compliant fintech services in the secure Direct Transact ecosystem makes it easy to launch and manage all banking and payments solutions your customers need.Learn more >
Direct Transact offers its clients access to its comprehensive regulatory ecosystem and deep regulatory expertise and capability sets.
• End-to-end turnkey banking solutions that meet regulatory requirements.
• Partnerships with relevant license holder including banks, insurers and other financial institutions.
• Certified system operator with Payment Association of SA (PASA) and other regulators.
• Complete modular banking and payment capabilities.
• Regulatory compliance and licenses by our partner banks and insurers.
• Shaping unique fintech solutions that meet all banking regulations.
Digital identity verification
Leverage our strong and trusted ecosystem to partner with reliable, ready-to-use KYC solutions. Part of the Direct Transact family, 1D Digital Identity enables compliant, consent-driven, identification for KYC, AML, FICA and more, through facial recognition, data triangulation and other identity verification technologies.
Global payment rails
• Payment Card Industry Data Security Standard compliant (PCI DSS)
• Certified TPP of Visa & MasterCard
When Direct Transact was established in 2002, we were the first Software-as-a-Service (SaaS) provider to the financial services industries in South Africa. Today, 70% of all clearing and settlement banks in South Africa are Direct Transact customers. We process more than ZAR40+ billion per month across more than 21 currencies.About us >
Enabling banking and payments
Direct Transact is a Software-as-a-Service (SaaS) provider for businesses that want to launch their own banking and payment solutions, world-class cloud-based business system, invaluable technical and compliance advice and the ongoing financial operational support they require to run their payments and banking solutions successfully.Our Capabilities >
Support and reliability
Most of our customers have been with us for more than 10 years. Our customers are loyal, not just because we deliver technology they need - we provide ongoing support to our customers.About us >
For over 21 years we’ve lowered barriers for small, medium and niche banks. We enabled them to compete.
In the next 20 years, we’ll do the same for everyone. Help any size company to embed financial services in its own world.
Memberships and certification
We operate in a regulated environment and compliance is non-negotiable.
Direct Transact is a member of the Payments Association of South Africa (PASA) and direct participant at BankservAfrica - enabling customers to participate in all payment streams in SA.
We are a certified international third party service provider for both issuing and acquiring services for Visa and Mastercard, and fully PCI DSS compliant.
Fintech made simple
From cloud-based infrastructure to a secure, low-code, open API future, Direct Transact is continuing its investment in talent and technology to build on its long history of innovation and expand open finance platform capabilities internationally.