From paying and saving to accepting and growing - InstaPay supports both consumers and merchants through dedicated apps that work together to move money, build trust, and unlock opportunity.
The Gini app makes everyday money simple — pay at stores, send money instantly, earn cashbacks and top up essentials like airtime and electricity. Plus, earn above-inflation interest on your balance and build wealth with every transaction.
Manage sales, track inventory, access analytics, sell VAS, and connect with customers — all from one feature-rich platform. Whether in-store, online, or via QR and payment links, InstaPay Merchant gives you the tools to run, grow, and scale your business with ease.
InstaPay brings powerful financial tools to both consumers and merchants through two feature-rich apps — without the burden of monthly fees. With a simple pay-as-you-use model, consumers can enjoy seamless payments, money transfers, and savings with interest through the Gini app, while merchants gain access to flexible in-store and online payment solutions that scale with their business. Affordable, secure, and designed for South Africa, InstaPay gives everyone more ways to pay, save, and grow.
We know that trust is everything when it comes to your finances, which is why security is at the heart of everything we do. Whether you’re paying at the till, sending money to family, topping up electricity, or growing your business, you can count on InstaPay to keep every transaction protected.
Both the Gini and Merchant apps are designed with strong safeguards and full compliance, so your money and personal details are never at risk.
Think of us as your financial safety net — always on, always reliable, and always here to make sure you can pay, save, and grow with complete peace of mind.
Gain full visibility into every payment, transfer, and transaction with clear, easy-to-understand analytics. Whether you’re a consumer managing your spending or a merchant tracking sales, InstaPay gives you the insights you need to understand your cash flow, spot trends, and make smarter financial decisions with confidence.
Whether you are a customer or a merchant, it's very easy to start using InstaPay. Go through the step-by-step onboarding process, and you can start using the app and portal.
Head to the App Store and download the consumer app if you want to make payments, or the merchant app if you want to trade.
A simple onboarding process will have your InstaPay account set up in no time.
Choose your theme, set-up your quick actions, and personalise your account.
Whether you want to make or receive payments, you are now ready to start doing just that!
Over half a million transactions already flow through our apps each year.
We're already processing over 150 000 transactions every year.
Trusted to process more than R1 billion in payments annually.
Discover the future of payments with InstaPay, where innovation meets trust, and convenience is the norm. Join our ecosystem today, and experience a new era of digital commerce with a network you can rely on.
Together with our trusted partners, we're shaping the future of commerce.
Discover the future of payments with InstaPay, Where innovation meets trust, and convenience is the norm
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