End-to-end fintech for banks and brands.

One Platform

A complete Fintech Capability Set

We help you launch and manage all banking solutions your customers need in the secure Direct Transact ecosystem.

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Get PCI-DSS and banking compliance for your business


Issue cards the modern way — to serve the needs of your customers.

Direct Transact issues and fully manages a variety of corporate and retail credit, debit and prepaid cards, both in physical and virtual form, locally and/or internationally.

Direct Transact is a certified international third-party service provider for both issuing and acquiring services for Visa and Mastercard, and fully PCI DSS compliant.

Our card payment services include interbank connectivity, interfacing with the card associations, interbank dispute handling, general ledger services, settlement services, and merchant acquiring and merchant management services, including eCommerce support.

Visa and MasterCard

Local and International card issuing
Prepaid (wallets) Debit Cards
Credit cards
Virtual cards
Corporate purchase cards
Tap & go/contactless card solutions

Private label cards [closed loop]

Branded credit cards
Store cards
Customer incentivisation
Merchant benefits
Promotional financing

Card Management Services

Card ordering
Pin issuing
Pin encryption - Hardware Security Module (HSM)
Card block/unblock  
Transaction limit setting
ATM and/or POS - on/off
Notifications (SMS, email)
Geographic settings


Apple Pay, Google Pay and others  
Token lifecycle management


Start a bank or launch banking services

All the world-class banking capabilities you require in one end-to-end ecosystem.

Banking-as-a-Service (BaaS)

Transactional products  
Investment products
Lending products (secured and unsecured)
Business banking  
Corporate transaction accounts
Relationship Management
Tiered Authorisation
Asset and Property Finance  
Vehicle finance


The only full-service payments-as-a-service provider in SA

Our unique payments solutions for online and mobile platforms make it simple to launch the payment services your customers need.

Visa and Mastercard services

Local and International processing

Issuing and Acquiring

Physical terminals ATM & Point of Sale (including SoftPOS)
Virtual cards
Tokenisation (wallet payments, i.e., ApplePay, GooglePay)
Merchant management services (including settlement)
ATM cash management

National Payment System (NPS) BankservAfrica

Electronic Fund Transfer (EFT)
Bill Payments
Debit Orders
Local ATM and POS transactions
Ecommerce purchases (3D-secure)
Real Time Clearing (RTC)
Rapid Payment Program (RPP) in line with industry rollout

Non-regulated payments

Closed loop (wallet to wallet)
3rd party deposits/payments - e.g., pay@ and EasyPay
Value Added Services (VAS) – e.g., pre-paid electricity and airtime


Build a compliant payment business from the start

Direct Transact ensures that its customers comply with the Payment Card Industry Data Security Standard (PCI-DSS) and all other international and local regulatory standards for banking and payments.

Reconciliation and Settlement Services

Specialists in real-time and overnight settlement and reconciliation

From financial operations to back-office processes, we ensure the consolidation of all payment types, and synchronisation and stability wherever we connect into the financial system.

Payments Hub

Consolidation and Transaction Warehousing

Consolidation of all payment types (i.e., single transaction engine)
Transaction Warehousing/Dashboarding
MIS/Reporting (through a single pane of glass)
Data Analytics
Cashflow and Liquidity Management

Reconciliation Hub

Financial and Back Office Support Services

Reconciliation Services
Daily balancing and reconciliation of transactions,
Dispute Management Services
Visa/Mastercard chargebacks
EFT dispute management
Settlement and Clearing Services
General Ledger and Financial Management Services

Payment Streams Reconciled

Electronic Fund Transfers (EFT)
ATM Deposits and Withdrawal
POS Card Payments
Real Time Clearing (RTC)
Salary / Payroll  
National Settlement (Central Bank Settlement)
International Settlement (SWIFT)

Acquiring • Reconciliation and settlement services

ATM Acquiring: Cash Balancing and Settlement Services
POS Acquiring: Balancing and Settlement Services
Merchant Acquiring: Balancing and Settlement Services

Design a custom package for your business.

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