We enable banking.

Helping banks and companies launch modern banking and payment solutions.

We take care of the complexity.
Leveraging the power of technology to enable you to bring financial capabilities to life.
Where it matters for your customer.
Simple. Fast.

Full service

A Fintech ecosystem for banking and payments

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.

User Interfaces

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.

Intelligent Solutions

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.

DT Interfaces

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.

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Regulatory Partners

Direct Transact offers its clients access to its comprehensive regulatory ecosystem and deep regulatory expertise and capability sets.

For Banks
• 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.

For Brands
• 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

In-depth knowledge

Pioneers of SaaS in SA Banking

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

We empower brands to be Fintechs

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

Consistent operational excellence

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 >


Democratising banking

For over 21 years we’ve lowered barriers for small, medium and niche banks. We enabled them to compete.

For brands

Embedded finance

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’ve got regulatory compliance covered

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

Why Choose Direct Transact

Comprehensive. Customisable.

We’ve got it all, but you get to choose.

Need cards, banking, payments, reconciliation and settlement, compliance... or a combo? Our holistic system removes the friction of patch-working multiple systems.

Single pane of glass. One customer view.

Our comprehensive platform means no silos –

you get a single customer view across all financial flows. It’s all-in-one system, providing an all-in-one view. That’s a view few others can offer.

Cutting-edge architecture. Convenient integration.

We don’t do cumbersome.

Our modern and modular architecture with standardised APIs and SDKs makes integration easy. We do the heavy lifting – you don’t have to break a sweat. And, we're compatible with both modern and legacy systems.

Ownership and partnering.

The ace up our sleeve.

We own the intellectual property that drives our core system. This gives us the winning hand when it comes to agility. But we also seamlessly partner with world-class providers when that’s the best move.

Cost effective. Fast.

We deliver values and speed.

Our operating model is more cost-efficient than building and running your own, and accelerates market entry. We guarantee cost predictability and on-time market launches, scaling as you grow. Only pay for what you use. Plus, we bring top-notch banking expertise to the table.

Unmatched compliance.

We’ve got all the bases covered.

Recognised by SARB, PASA, and global payment systems, we’re PCI DSS compliant throughout transaction processing and hosting components. Our commitment to top-tier technology, risk mitigation, and rigorous control processes puts us in a league of our own.

The future

Technology leadership and innovation

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.

Learn more about co-creation with DT >

"Bidvest Bank’s relationship with Direct Transact evolved from a single international traveller card product in 2006 to a full blown suite of corporate banking services."

Head: Products, Strategic Alliances and Virtual Channels, Bidvest Bank

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"They’ve mastered the elusive art of outsourcing a bank’s critical tech capabilities. Direct Transact is the best ‘one-stop’ partner to take care of the problem of ‘infrastructure lift and shift’ when entering a new market."

COO, Al Baraka Bank SA

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"They have been a strategic partner in the truest sense of the word. We were able to evolve from a micro-lender, dependent on the systems of a sponsor bank, to offering our own bespoke transactional account using Direct Transact’s platform."

COO, African Bank

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