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Secure Payments & Payment Methods

Secure Payments

 

PayFast is committed to keeping The Portrait Studio, our customers and all sensitive information secure. They have a multitude of automated and manual checks in place to protect both buyers and sellers from fraudulent transactions. Online retail has a fraud rate between 1 and 2% of all transactions. Through effective controls, PayFast’s is currently below 0,2% and still going down.

PCI-DSS Level 1 Compliant

Extended Validation SSL with 2048-bit encryption. Only two of the four major South African banks use this –the highest– level of encryption currently available.

All sensitive info is encrypted within our own database.

They run penetration testing on their system on a weekly basis to look for vulnerabilities. They are only required to do it once every three months, but they run it every week.

Their entire site, blog, payments page and help site all are served off secure servers, making it harder to perpetrate phishing attacks.

3D Secure is in place for all credit card transactions.

Two-factor authentication is available to restrict access to your PayFast account.

They use GEO IP tracking to see where transactions are originating from and look for mismatches between this and the card’s issuing country.

Their system automatically checks for suspicious payment velocity.

They use BIN/IIN validation to check for card-issuing bank locations and merchants can choose to enable/disable payments from certain countries.

Payments and card details are automatically checked against large online databases of blacklisted details.

All suspicious transactions are manually reviewed by their stellar Support Team.

Payment methods

 

We offer a variety of payment methods through the familiar and trusted PayFast interface. We process MasterCard and Visa credit cards, Instant EFT (with SA’s four biggest banks), Masterpass, credit facility mobicred and digital payment method Bitcoin.

Credit & cheque cards

 

payment types webpage-visa and mastercard
Credit cards are well known and a de facto online payment method the world around. We process local and international credit cards and cheque cards, with a variety of fraud protection mechanisms in place to protect sellers against costly chargebacks.

Instant EFT

 

PayFast payment methods Instant EFT logo
Instant EFT enables buyers to make payments with traditional internet banking with SA’s four biggest banks. The electronic funds’ transfer (EFT) gets verified instantly. No two day waiting period, no proof of payment required and no disclosure of financial information.

Bitcoin

 

payment_types_bitcoin
Bitcoin is an innovative digital payment method, performed over a peer-to-peer network. Sellers can now receive payment from buyers who hold Bitcoin. The seller receives payment in South African rand; the buyer simply transacts at the current rate of exchange.

Mobicred

 

Mobicred is an online account that gives buyers access to credit, which they can use on PayFast. The facility works in a similar fashion to retail store credit: only online. Users can open an account on their website www.mobicred.co.za

ATM debit cards (via Visa Electron and Maestro)

 

We accept payment from Visa Electron and Maestro issued debit cardholders. Buyers enter their debit card and mobile phone number and then authenticate the transaction on their phone. The system works with devices on the Vodacom or MTN network and with debit cards issued by Absa, Nedbank, Standard Bank, and more.

Masterpass

 

masterpass logo
Masterpass is a simple, convenient, trusted digital wallet from MasterCard for faster, safer shopping at online merchants. A digital wallet makes online shopping safer and easy by storing payment information in one secure place.
 

S Code

 

SCode is a unique payment platform that allows customers to pay for their online purchases in-store at one of more than 6,000 retail outlets across South Africa. Online shoppers can pay at any participating retailer using cash, debit or credit card. SCode payments can be made at any Checkers, CheckersHyper, Shoprite, Usave, House & Home, Post Office, and OK Furniture.