IN-PERSON PAYMENTS

Integrated payment at POS

pos system at grocery store

Our industry-leading integrated payment platform provides our merchants with complete peace of mind while enabling solutions that reduce cost, increase efficiency, and contribute to a seamless and modern customer experience.

We take care of the complexities of payment processing and provide an intuitive, real-time view of your payments, settlement reconciliation, and retail footprint.

Our solutions are device-agnostic, bank-agnostic, and enable an expanding ecosystem of ‘closed-loop’ and digital payment providers, all integrated directly to your point of sale.

IN-PERSON PAYMENTS

Android POS/mPOS

android Smart mpos device taking nfc digital payment

Smart mPOS devices have enabled merchants to break free of the traditional checkout process to create a rich experience for their customers. Whether this means enabling ordering on a device in a restaurant, accepting payment on delivery, capturing customer feedback after payment, or queue-busting in store, it is clear that mobility solutions are a new frontier for customer-centric innovation.

Our wide range of supported Android mPOS devices arrives pre-integrated directly to our payment platform so that all devices within our merchants’ environments connect to a single interface. Seamless integration to a unified platform enables efficient operational and financial management.

IN-PERSON PAYMENTS

Contactless (Tap & QR)

phone tap on card terminal

The world has changed. Contactless payment solutions are now a must for merchants, regardless of whether they are a multi-lane retailer or a single store.

The Transaction Junction integrated solution comes out-the-box with support for NFC, and supported devices display our generic QR code directly on the screen.

The TJ QR is integrated into a growing number of transactional solutions:

IN-PERSON PAYMENTS

P2PE

Secure payment P2PE

While our competitors are PCI compliant, most do not offer P2PE (point-to-point encryption). In fact, Transaction Junction is the only fully validated P2PE provider in South Africa with the top five acquiring banks.

P2PE is a security innovation that reduces security costs and PCI overhead for our merchants, and removes risk by encrypting card data at the point of entry. P2PE has become a must-have for merchants, as the cost and risk associated with a non-compliant solution are simply too high.

IN-PERSON PAYMENTS

POS providers

Payment at point of sale

We have spent years developing integrations with all the most popular point-of-sale solutions, and new integrations are being done all the time.

Take a look at the full list of integrated providers below.

IN-PERSON PAYMENTS

Powerful reconciliation

Dashboard showing payments

Often, we see competitors simply process payments and consider the job done. It isn’t. We understand that the complexity often lies in reconciling what took place at point of sale and what was settled. We save our clients time and money by making it possible to resolve exceptions without a manual matching process.

Transpector 5 provides our merchants with transactional analytics, and settlement reconciliation and exception reports across all settlement partners, making administration and customer support simple and easy.

IN-PERSON PAYMENTS

VAS & Loyalty

Woman receiving reward for shopping

We process more VAS transactions than any other payment processor in South Africa. While our competitors often charge to enable their merchants to sell airtime, electricity, and other VAS, our merchants can access these services, integrated to their point of sale, from day one at no additional cost.

In addition to selling VAS, we also enable our merchants to reward their customers with airtime instantly at point of sale, based on predefined rule sets. VAS is not only a revenue stream for our merchants, but also drives key business objectives, such as basket value increase and repeat purchases.

ONLINE PAYMENTS

Seamless checkout

woman on laptop making payment

Online payment should be a seamless, frictionless experience. This increases conversion, customer satisfaction, and brand affinity. Removing friction points in the payment journey is personal for us, and our checkout process is designed for this very purpose.

Our UI is simple, customisable, and clean, and customers can easily save a card to enable one-click payments. Importantly, our payment gateway supports embedded checkout, URL redirect, and API integration, so our merchants can decide how much of the checkout process they control.

ONLINE PAYMENTS

Developer first

software development api documentation

Most providers support API integration and a URL redirect only. We support these methods, as well as a third integration method – an embedded checkout flow using a simple copy and paste javascript. This enables our merchants to remain completely out of scope of PCI, while protecting their customers’ experience.

We also have API documentation which was designed with one question in mind: “What would make developers happy?”

ONLINE PAYMENTS

Payment methods

Woman making mobile payment

Payment method choice is important for many reasons. Online payment preference is central to the customer experience. Certain payment methods directly reduce the cost of doing business. Some payment methods even drive basket size increase and support merchant marketing initiatives.

Through Transaction Junction, merchants’ customers can pay online using a large selection of payment methods.

ONLINE PAYMENTS

Payment links

Visual of a payment link email

Collecting online payments remotely used to be a risky, difficult business. Our Payment Link service lets our merchants send an email or to customers that contains an embedded payment link. This approach allows our merchants to accept online payments without a website or risk of fraud.

Enabling customers to pay directly in an email or SMS decreases the friction associated with making a payment and increases collection rates significantly.

ONLINE PAYMENTS

Subscriptions and recurring payments

Making online payment

Subscription billing is no longer purely the mandate of traditional service providers. Increasingly, businesses are realising that the subscription economy is a win-win for business; customers get better rates for products and services, while businesses secure predictable revenue growth and reduce customer acquisition costs.

Our subscription engine enables recurring card payments and our scheduling manager provides our merchants with flexibility to choose how they manage their collections.

ONLINE PAYMENTS

Stability

Stable structure

Our payment switch has not experienced downtime in more than seven years. Our payment gateway is built for needs-based scaling, which means we do not have a TPS limit. Our platform is lightning fast and supports over 2 billion transactions every year.

We love our engineers because they have built something truly special and because we never have to lose sleep or apologise to our clients for going down.

INNOVATIONS

Bespoke payments innovations

abstract concept of innovation

Owning our own software stack enables us to innovate at a much faster rate than most providers. This allows us to provide our clients with bespoke payments solutions, including:

A multiple POS to single PED solution
PED availability scoring
Infinite redundancy architecture
Smart transaction routing
INNOVATIONS

B2B enterprise omnichannel platform

omnichannel integrated payments

Traditionally, when banks, fintechs, and enterprise merchants wanted to deploy a switch, there were very few tech solutions available. These options were usually built long ago, are expensive to run, and expensive to enhance.

In contrast, we provide a feature-rich tech platform that enables enterprise switching of physical and eCommerce transactions, including merchant and back-office tools, reconciliation engines, and supplementary products and features that enable an end-to-end payment processing operation.

Want to know more about our B2B payment platform for banks and enterprise fintechs?

INNOVATIONS

Push payments

woman browsing online shopping on phone

We focus on the digital payments journey, using technology and innovation to enhance the customer experience. We have pioneered push payments in South Africa – the ability to push funds directly to someone’s card. Some powerful use cases for this technology include:

P2P MONEY TRANSFER

Direct transfers between cardholders, including both domestic and cross-border remittances

MERCHANT SETTLEMENT

Payment facilitators and merchant acquirers use push transactions to speed up settlement by sending sales proceeds directly to a merchant’s card account

PAYOUTS

One of the most promising use cases is using push transactions to pay funds owed to contractors or affiliates quickly

FUNDS DISBURSEMENT

Push services can be used by businesses and government authorities to send funds to individuals for insurance claims, expense reimbursements, benefits payments, and other non-sales payments

UTILITY AND BILL PAYMENT

Similar to funds disbursement, businesses can use push transactions to pay suppliers for contractual amounts owed (distinct from individual sales transactions)
IN-PERSON PAYMENTS

Integrated payment at POS

pos system at grocery store

Our industry-leading integrated payment platform provides our merchants with complete peace of mind while enabling solutions that reduce cost, increase efficiency, and contribute to a seamless and modern customer experience.

We take care of the complexities of payment processing and provide an intuitive, real-time view of your payments, settlement reconciliation, and retail footprint.

Our solutions are device-agnostic, bank-agnostic, and enable an expanding ecosystem of ‘closed-loop’ and digital payment providers, all integrated directly to your point of sale.

IN-PERSON PAYMENTS

Android POS/Smart mPOS

android Smart mpos device taking nfc digital payment

Smart mPOS devices have enabled merchants to break free of the traditional checkout process to create a rich experience for their customers. Whether this means enabling ordering on a device in a restaurant, accepting payment on delivery, capturing customer feedback after payment, or queue-busting in store, it is clear that mobility solutions are a new frontier for customer-centric innovation.

Our wide range of supported Android Smart mPOS devices arrives pre-integrated directly to our payment platform so that all devices within our merchants’ environments connect to a single interface. Seamless integration to a unified platform enables efficient operational and financial management.

IN-PERSON PAYMENTS

Contactless (Tap & QR)

phone tap on card terminal

The world has changed. Contactless payment solutions are now a must for merchants, regardless of whether they are a multi-lane retailer or a single store.

The Transaction Junction integrated solution comes out-the-box with support for NFC, and supported devices display our generic QR code directly on the screen.

The TJ QR is integrated into a growing number of transactional solutions:

IN-PERSON PAYMENTS

P2PE

Secure payment P2PE

While our competitors are PCI compliant, most do not offer P2PE (point-to-point encryption). In fact, Transaction Junction is the only fully validated P2PE provider in South Africa with the top five acquiring banks.

P2PE is a security innovation that reduces security costs and PCI overhead for our merchants, and removes risk by encrypting card data at the point of entry. P2PE has become a must-have for merchants, as the cost and risk associated with a non-compliant solution are simply too high.

IN-PERSON PAYMENTS

POS providers

Payment at point of sale

We have spent years developing integrations with all the most popular point-of-sale solutions, and new integrations are being done all the time.

Take a look at the full list of integrated providers below.

IN-PERSON PAYMENTS

Powerful reconciliation

Dashboard showing payments

Often, we see competitors simply process payments and consider the job done. It isn’t. We understand that the complexity often lies in reconciling what took place at point of sale and what was settled. We save our clients time and money by making it possible to resolve exceptions without a manual matching process.

Transpector 5 provides our merchants with transactional analytics, and settlement reconciliation and exception reports across all settlement partners, making administration and customer support simple and easy.

IN-PERSON PAYMENTS

VAS & Loyalty

Woman receiving reward for shopping

We process more VAS transactions than any other payment processor in South Africa. While our competitors often charge to enable their merchants to sell airtime, electricity, and other VAS, our merchants can access these services, integrated to their point of sale, from day one at no additional cost.

In addition to selling VAS, we also enable our merchants to reward their customers with airtime instantly at point of sale, based on predefined rule sets. VAS is not only a revenue stream for our merchants, but also drives key business objectives, such as basket value increase and repeat purchases.

ONLINE PAYMENTS

Seamless checkout

woman on laptop making payment

Online payment should be a seamless, frictionless experience. This increases conversion, customer satisfaction, and brand affinity. Removing friction points in the payment journey is personal for us, and our checkout process is designed for this very purpose.

Our UI is simple, customisable, and clean, and customers can easily save a card to enable one-click payments. Importantly, our payment gateway supports embedded checkout, URL redirect, and API integration, so our merchants can decide how much of the checkout process they control.

ONLINE PAYMENTS

Developer first

software development api documentation

Most providers support API integration and a URL redirect only. We support these methods, as well as a third integration method – an embedded checkout flow using a simple copy and paste javascript. This enables our merchants to remain completely out of scope of PCI, while protecting their customers’ experience.

We also have API documentation which was designed with one question in mind: “What would make developers happy?”

ONLINE PAYMENTS

Payment methods

Woman making mobile payment

Payment method choice is important for many reasons. Online payment preference is central to the customer experience. Certain payment methods directly reduce the cost of doing business. Some payment methods even drive basket size increase and support merchant marketing initiatives.

Through Transaction Junction, merchants’ customers can pay online using a large selection of payment methods.

Visual of a payment link email

Collecting online payments remotely used to be a risky, difficult business. Our Payment Link service lets our merchants send an email or to customers that contains an embedded payment link. This approach allows our merchants to accept online payments without a website or risk of fraud.

Enabling customers to pay directly in an email or SMS decreases the friction associated with making a payment and increases collection rates significantly.

ONLINE PAYMENTS

Subscriptions and recurring payments

Making online payment

Subscription billing is no longer purely the mandate of traditional service providers. Increasingly, businesses are realising that the subscription economy is a win-win for business; customers get better rates for products and services, while businesses secure predictable revenue growth and reduce customer acquisition costs.

Our subscription engine enables recurring card payments and our scheduling manager provides our merchants with flexibility to choose how they manage their collections.

ONLINE PAYMENTS

Stability

Stable structure

Our payment switch has not experienced downtime in more than seven years. Our payment gateway is built for needs-based scaling, which means we do not have a TPS limit. Our platform is lightning fast and supports over 2 billion transactions every year.

We love our engineers because they have built something truly special and because we never have to lose sleep or apologise to our clients for going down.

INNOVATIONS

Bespoke payments innovations

abstract concept of innovation

Owning our own software stack enables us to innovate at a much faster rate than most providers. This allows us to provide our clients with bespoke payments solutions, including:

A multiple POS to single PED solution
PED availability scoring
Infinite redundancy architecture
Smart transaction routing
INNOVATIONS

B2B enterprise omnichannel platform

omnichannel integrated payments

Traditionally, when banks, fintechs, and enterprise merchants wanted to deploy a switch, there were very few tech solutions available. These options were usually built long ago, are expensive to run, and expensive to enhance.

In contrast, we provide a feature-rich tech platform that enables enterprise switching of physical and eCommerce transactions, including merchant and back-office tools, reconciliation engines, and supplementary products and features that enable an end-to-end payment processing operation.

Want to know more about our B2B payment platform for banks and enterprise fintechs?

INNOVATIONS

Push payments

woman browsing online shopping on phone

We focus on the digital payments journey, using technology and innovation to enhance the customer experience. We have pioneered push payments in South Africa – the ability to push funds directly to someone’s card. Some powerful use cases for this technology include:

P2P MONEY TRANSFER

Direct transfers between cardholders, including both domestic and cross-border remittances

MERCHANT SETTLEMENT

Payment facilitators and merchant acquirers use push transactions to speed up settlement by sending sales proceeds directly to a merchant’s card account

PAYOUTS

One of the most promising use cases is using push transactions to pay funds owed to contractors or affiliates quickly

FUNDS DISBURSEMENT

Push services can be used by businesses and government authorities to send funds to individuals for insurance claims, expense reimbursements, benefits payments, and other non-sales payments

UTILITY AND BILL PAYMENT

Similar to funds disbursement, businesses can use push transactions to pay suppliers for contractual amounts owed (distinct from individual sales transactions)
FIND OUT MORE

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