Frequently Asked
Find quick answers to common questions about your account, cards and transactions.
Business
View frequently asked questions for all business owners here
Is PayCentral a bank?
PayCentral is not a bank; it is a FinTech company specialising in business payment and disbursement solutions. Our offerings include reloadable debit cards, a card management platform, detailed transaction reporting, and custom technology development.
Which industries does PayCentral work best for?
PayCentral works across a wide range of industries and use cases. Our solutions are flexible and designed to support businesses with varying payment, control, and reporting needs – from operational teams to large enterprises.
Is PayCentral only suitable for a certain size company?
No. PayCentral solutions cater to businesses of all sizes – from micro businesses to large enterprise organisations.
What types of payments does the PayCentral solution assist with?
PayCentral supports a wide range of business payment needs, including:
- Employee benefits and allowances
- Short-term, seasonal, or temporary workforce payments
- Logistics, delivery, and fleet-based business payments
- Retail and franchise environments
NGO, public sector, and grant disbursements - Education, training, and stipend programmes
- Businesses with multiple branches or locations
- Off-site teams requiring controlled budget access
- Replacement solutions for company credit cards
- Cost centre expense cards
- Staff expense cards
- Event or bar expense cards
- And more
How can my business use PayCentral cards?
Our cards can assist businesses of all sizes, across all industries, in a multitude of ways. The most popular use cases include:
- Accommodation
- Business expenses
- Commissions
- Entertainment
- Flights
- Food / per diem allowances
- Fuel
- Gifting, including general, year-end, staff and client gifting
- Incentives and bonuses
- Wages and salaries
- Petty cash
- Rebates
- Stipends and subsistence
- Travel
- Special occasions
- And more
Do I need to own a registered business to sign up with PayCentral?
Yes. PayCentral offers products and services to registered businesses. Individual sign-ups are not supported.
Does PayCentral provide credit or loans for my business or myself?
No. PayCentral is not a bank and all products and services follow a pre-payment model.
Will I be bound by a contract?
No. There are no fixed-term contracts. Your business can use the platform as needed.
Is there a monthly fee to use the platform?
No. Using the platform is free with no ongoing obligations.
Do I need an account with a specific bank?
No. Using the platform is free with no ongoing obligations.
How long does registration take?
Once you submit your onboarding documents, your profile will typically be set up within 24 hours.
Does PayCentral offer API integration?
Yes. PayCentral offers API integration. Our in-house development team works alongside our dedicated tech support team to assist with integration, testing, and ongoing technical support.
Can PayCentral build a custom solution for my business?
Yes. We are open to working with businesses that require custom or bespoke technology solutions. Our team can assist with tailored development to meet specific operational, reporting, or integration requirements.
Can I integrate PayCentral with accounting software?
Yes. PayCentral provides exportable reports that integrate with most accounting systems.
Is white-label or branding of cards available?
Yes. We assist with Mastercard licensing and card issuing, and offer branding options across physical cards, printed collateral, and tech platforms.
Please note that a minimum order is required for branded cards. Speak to a sales representative for more details.
How do I get more information?
Get in touch with us in one of the following ways:
- Email info@paycentral.co.za
- Call 010 012 6676 to speak to a sales representative
- Complete the contact form under the Connect tab on the website
A PayCentral agent will contact you to discuss your needs, advise on the best solution, and guide you through the onboarding process.
Cards & Transactions
View frequently asked questions for all cards & transactions here
How do I order physical cards?
Our self-help platform gives you full control to generate quotes, convert them to invoices and order cards as and when needed. Cards are dispatched every weekday.
Are virtual cards available, and how do they work?
No answer has been added to the current page.
What is the minimum card order?
The minimum order is one card.
Do I need software to access the platform?
No software download is needed. The platform is cloud-based and accessed via a web browser.
Do cards expire?
Physical cards usually expire in three to five years; virtual cards expire in three years. Once expired, replacement cards can be ordered and funds transferred.
Can multiple users access the platform?
Yes. You can request multiple users with different permission levels.
Can I load funds onto multiple cards at once?
Yes. The platform allows batch loading of funds to multiple cards simultaneously.
How quickly does a payment reflect in the platform?
Instant payments may take time depending on the hour of the day. We recommend weekday business hours for faster processing. Once funds reflect in your profile, transfers to cards are instant.
Can I set spending limits per card?
All cards operate on a pre-loaded model. Cardholders can only spend what has been loaded, and instant top-ups are available if needed.
Can I freeze or block a card temporarily?
Yes. Cards can be temporarily blocked through the platform.
Can I block certain purchases on the cards?
Yes. Purchase filters can be added as an additional service to restrict where and how cards are used. Please speak to a sales representative for more information.
Are notifications sent for card activity?
Yes. Administrators can enable email or SMS alerts for card usage and balances.
What happens to funds if PayCentral ceases to operate?
Funds are held in trust by Standard Bank and returned upon request. Card balances remain valid until the card expires.
Card Holder
View frequently asked questions for all cardholders Here
Where can cards be used?
Cards are accepted nationwide in South Africa wherever Mastercard is accepted, including in-store, at ATMs and locally online. Please note that different card products have different functionality.
How do I check my balance?
You can check your balance in the following ways:
- Download and log into the
- PayCentral App
- Visit www.getmybalance.co.za
- SMS your 16-digit card number to 34246
What should I do if my card is lost or stolen?
Block your card by logging into the PayCentral App, contacting the issuing company, or calling Customer Service on 010 012 6676 as soon as possible.
What if I forget my PIN?
Contact Customer Service or the issuing company to reset your PIN. Please note that a fee applies.
Can I view my transaction history?
Yes. Transaction history can be viewed and downloaded through www.getmybalance.co.za.
What if my card expires with money remaining?
Contact the issuing company to transfer the funds to a new card.
Can I use my card internationally?
Only BeyondCentral® cards support international transactions. Other cards will be declined outside South Africa.
Do cardholders earn interest?
No. PayCentral cards are not bank accounts and do not accrue interest.
Can a debit order be loaded onto my card?
No. Debit orders and micro-lender deductions cannot be loaded.
Who should I contact for queries?
Contact the Customer Service team:
- 010 012 6676
- support@paycentral.co.za
Complete the contact form on the website’s Connect page
