Your safe and easy way to pay online in South Africa.

No credit card, no debt.

Download the app to get your Prepaid Virtual MasterCard® today!

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Get your Prepaid Virtual MasterCard® today!

VCpay App Store Icon VCpay App Store Icon VCpay App Store Icon

Download the app to get your Prepaid Virtual MasterCard® today!

In the press


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VCpay – online shopping made safe & easy

VCpay Virtual Cards icon

No credit card? No hassle.

Shop online, take an Uber and order in with Mr. Delivery even if you don’t have a credit card.
Discover how

VCpay Virtual Cards visual guide to using the app
VCpay virtual mobile credit cards icon

What about fraud? No worry.

Don’t let online fraud stress you out. VCpay keeps your financial information and money safe.
Show me security

VCpay – online shopping made safe & easy

VCpay Virtual Cards icon

No credit card? No hassle.

Shop online, take an Uber and order in with Mr. Delivery even if you don’t have a credit card.
Discover how

VCpay virtual mobile credit cards icon

What about fraud? No worry.

Don’t let online fraud stress you out. VCpay keeps your financial information and money safe.
Show me security

"I like VCpay because I can pay for stuff online without compromising the safety of my bank account and the ability to set a limit to the card is a huge pull."

 – Marisane Thobejane

"I love the app. I've been using it since last year November and have bought things locally and internationally with no problems. Awesome and convenient!"

 – Taylor Randall

"Wow! VCpay works like a charm!! I was kind of sceptical!! Its like magic!! I don't believe it! VCpay is my friend for life! Thank you so much you guys!"

 – Khanya Ngubane

"Thank God for VCpay... Now I'll probably never own a credit card."

 – Naledi Makgatho

“I like VCpay because I can pay for stuff online without compromising the safety of my bank account and the ability to set a limit to the card is a huge pull.”
– Marisane Thobejane

Get started in 3 easy steps

VCpay virtual credit card icon

Download and register

To get your very own VCpay account, download it from your app store and complete the in-app registration in a couple of simple steps. We’ve made it really easy, with an option to suite everyone:

Get your Prepaid Virtual MasterCard® today!

VCpay App Store Icon VCpay App Store Icon VCpay App Store Icon

VCpay virtual credit card icon

Top up your account

To start shopping with VCpay you’ll need to have funds in your account.

  • EFT from your bank account
  • Deposit cash at your local supermarket
  • Link your credit or cheque card

More about funding

VCpay virtual credit card icon
VCpay virtual credit card icon

Your own Virtual MasterCard®

Now that you have funds in your account, you can create your first VCpay Virtual MasterCard® in seconds.

How do I do that?

Get started in 3 easy steps

VCpay virtual credit card icon

Download and register

To get your very own VCpay account, download it from your app store and complete the in-app registration in a couple of simple steps.

Get your Prepaid Virtual MasterCard® today!

VCpay App Store Icon VCpay App Store Icon VCpay App Store Icon

VCpay virtual credit card icon
VCpay virtual credit card icon

Top up your account

To start shopping with VCpay you’ll need to have funds in your account.

  • EFT from your bank account
  • Deposit cash at your local supermarket
  • Link your credit or cheque card

More about funding

VCpay virtual credit card icon

Your own Virtual MasterCard®

Now that you have funds in your account, you can create your first VCpay Virtual MasterCard® in seconds.

How do I do that?

Spend online with most major merchants in SA

Shop online

Zando, Takealot, Superbalist…

Catch a ride

Uber, Taxi services…

k

Pay for your subscriptions

TV, Magazines, Liedjie streaming…

VCpay virtual credit card icon

Pay over the phone

Courier services, food delivery…

Flights/Hotels/Cars

Mango, Kulula…

i

Utility bill payments

Online at EasyPay…

Spend online with most major merchants in SA

Shop online

Zando, Takealot, Superbalist…

Catch a ride

Uber, Taxi services…

k

Pay for your subscriptions

TV, Magazines, Liedjie streaming…

Pay over the phone

Courier services, food delivery…

Flights/Hotels/Cars

Mango, Kulula…

i

Utility bill payments

Online at EasyPay…

It’s your money, you control how it’s spent

VCpay virtual credit card icon

Set your spend limit

 Limit the amount your card can be used for
Protect against fraud and start budgeting.
• Increase your limit any time after the card is created.

Download now

VCpay virtual credit card icon

Choose a card type

Normal cards for when you’d like to make many purchases using one card.
Single-use cards to pay exact once-off amounts for your ultimate security.

Download now

VCpay virtual credit card icon

Prepaid means no debt

Your VCpay account is a prepaid account.
You top it up with money you have.
Avoid debt and unnecessary interest.
what does VCpay charge?

Download now

It’s your money, you control how it’s spent

VCpay virtual credit card icon

Set your spend limit

 Limit the amount your card can be used for
Protect against fraud and start budgeting.
• Increase your limit any time after the card is created.

Download now

VCpay virtual credit card icon

Choose a card type

Normal cards for when you’d like to make many purchases using one card.
Single-use cards to pay exact once-off amounts for your ultimate security.

Download now

VCpay virtual credit card icon

Prepaid means no debt

Your VCpay account is a prepaid account.
You top it up with money you have.
Avoid debt and unnecessary interest.
what does VCpay charge?

Download now