Payment Information Policy

Last updated: 14 April 2026
Annual Review: 14 April 2027

This policy explains how Daily Discounts processes payments, which methods we accept, how your payment data is protected, and what happens if something goes wrong. All transactions are processed in South African Rand (ZAR) via PayFast, our authorised payment gateway. Accepted payment methods include credit/debit cards, Apple Pay, Samsung Pay, Google Pay, PayByBank (Instant EFT), Mobicred, Manual EFT, Mukuru Cash, Scode, Scan to Pay, SnapScan, Zapper, and RCS.

Key points: EFT payments are irrevocable once made. Mobicred and RCS are credit products governed by the National Credit Act. Card payments use 3D Secure authentication. We do not store your card or banking credentials.

1. Introduction and Purpose

This Payment Information Policy applies to all purchases made on the Daily Discounts website (www.dailydiscounts.co.za). It explains how we collect, process, and protect payment information, and sets out your rights and our obligations as a South African online retailer.

This Policy must be read together with our Terms and Conditions, Privacy Policy, and Refund and Return Policy, all of which are available on our website. Daily Discounts complies with the following legislation in all payment-related matters:

Consumer Protection Act, No. 68 of 2008 (CPA)
Electronic Communications and Transactions Act, No. 25 of 2002 (ECT Act)
Protection of Personal Information Act, No. 4 of 2013 (POPIA)
National Credit Act, No. 34 of 2005 (NCA) – applicable where credit-based payment options are offered

2. Our Payment Partner

All payments on Daily Discounts are processed by PayFast (Pty) Ltd, a South African payment gateway authorised to process payments in South Africa. PayFast acts as our payment service provider and is responsible for the secure transmission of your payment details.

When you make a payment, you are interacting with PayFast’s secure infrastructure. Daily Discounts does not store your full card number, CVV, or banking credentials. These are handled exclusively by PayFast in accordance with Payment Card Industry Data Security Standard (PCI-DSS) requirements. By completing a purchase on our website, you also agree to the PayFast Payer Conditions of Consent, available on the PayFast website.

3. Accepted Payment Methods

All transactions are processed in South African Rand (ZAR).

3.1 Credit and Debit Cards

We accept Visa, Mastercard, and American Express (Amex) credit and debit cards. Capitec debit cards are accepted where the card is enabled for online transactions. Card payments are processed securely via PayFast with 3D Secure (3DS) authentication, where required by your bank.

3.2 Apple Pay

Apple Pay allows you to pay using a card saved in your Apple Wallet on an eligible Apple device. Your card details are not shared with us; Apple Pay uses a device-specific token for each transaction.

3.3 Samsung Pay

Samsung Pay is a digital wallet that allows you to pay using cards stored on your Samsung device. Transactions are processed securely via the PayFast gateway, ensuring no sensitive card data is stored by Daily Discounts.

3.4 Google Pay

Google Pay allows for secure payments using cards saved to your Google Account. Like other digital wallets, it utilises tokenisation to ensure your actual card details are never exposed to the merchant during the PayFast transaction process.

3.5 PayByBank (Secure Instant EFT)

PayByBank is PayFast’s Secure Instant EFT solution. You are redirected to a secure PayFast environment where you log in to your internet banking to initiate the EFT.

Important: PayByBank / Secure Instant EFT payments are final and irrevocable once submitted. Your internet banking credentials are processed directly by PayFast and are never stored by Daily Discounts. For full details on how PayFast handles your credentials, refer to the PayFast Payer Conditions of Consent.

3.6 Mobicred

Mobicred is a buy-now-pay-later credit facility. Purchasing via Mobicred constitutes a credit agreement governed by the National Credit Act. Your application and repayment schedule are managed directly by Mobicred.

See Section 11 for the full Mobicred credit disclosure.

3.7 Manual EFT (On Request)

Manual EFT is available on request and is subject to approval. If approved:

Contact us at [email protected] or 010 900 5515 to request manual EFT payment.
We will confirm our banking details via email.
Your order will only be processed and dispatched once payment reflects in our account.
Payments typically reflect within 1-2 business days, depending on your bank.
Send proof of payment to [email protected] with your order number in the subject line.

Manual EFT is not available for time-sensitive or flash sale orders where stock cannot be held pending payment clearance.

3.8 Mukuru Cash

Mukuru Cash is a cash-based payment solution facilitated through PayFast. It allows customers to pay for their online orders using cash at supported Mukuru points.

3.9 Scode

Scode is a payment platform that allows you to pay for your online purchases with cash, debit, or credit card at various retail outlets across South Africa.

3.10 Scan to Pay (QR Solutions)

Scan to Pay is a QR code-based payment method processed via PayFast. At checkout, a unique QR code is generated for your order. You scan this code using your participating South African bank’s mobile banking app, SnapScan, or Zapper to authorise the payment.

Key terms:

Scan to Pay is supported by major South African banks. Availability depends on your bank’s QR payment capability.
Your banking credentials are not shared with Daily Discounts. The transaction is processed securely by PayFast.
All Scan to Pay transactions are subject to the PayFast Master Terms of Service.

3.11 RCS

RCS is a credit payment facility available to existing RCS cardholders. RCS Cards (Pty) Ltd is a registered credit provider and authorised financial services provider, regulated under the National Credit Act, No. 34 of 2005. Transactions are facilitated by PayFast on our behalf.

Purchasing via RCS constitutes a credit agreement between you and RCS, governed by the NCA. Your credit limit, repayment schedule, interest rates, and terms are managed directly by RCS under their own terms and conditions. Daily Discounts is the merchant only and is not party to your credit agreement with RCS.

See Section 12 for the full RCS credit disclosure.

4. When You Are Charged

Your selected payment method is charged at the time you place your order. You will receive an order confirmation email once payment is successful. If your payment is declined, no charge will be made, and no order will be created.

In accordance with section 43 of the ECT Act, your order confirmation is electronic acknowledgement that we have received your order and payment. This does not constitute acceptance of your order. Acceptance occurs when your order is dispatched and a dispatch confirmation is sent to you.

5. Payment Security

5.1 PCI-DSS Compliance
PayFast is certified under the Payment Card Industry Data Security Standard (PCI-DSS). This internationally recognised standard governs how card data is stored, processed, and transmitted. Daily Discounts does not store card numbers, CVV codes, or full card data on our systems at any point.

5.2 3D Secure Authentication
Applicable card transactions are processed with 3D Secure (3DS) authentication. This is an additional verification step – typically a one-time PIN sent to your registered phone number – required by your bank before a transaction is approved. 3DS significantly reduces the risk of unauthorised card use.

5.3 Encryption
All payment pages are served over HTTPS with TLS encryption. Data transmitted between your browser and PayFast’ servers is encrypted in transit and cannot be intercepted.

5.4 No Credential Storage
Daily Discounts does not store your card number, CVV, or internet banking credentials. These are handled solely by PayFast within their PCI-DSS compliant environment.

6. VAT and Currency

All prices on the Daily Discounts website are displayed in South African Rand (ZAR) and include Value-Added Tax (VAT) at the currently applicable rate (15%), unless otherwise stated.

We do not process payments in foreign currencies. If you pay with an international card, the transaction is processed in ZAR. Any currency conversion is applied by your card issuer at their applicable rate.

All Payflex transactions must be in South African Rand.

7. Failed Payments

If your payment fails:

Your order will not be confirmed, and no stock will be reserved.
You will be notified at checkout or via email that the payment was unsuccessful.
Common causes include insufficient funds, incorrect card details, a bank-side decline, or 3DS authentication failure.
For Payflex Pay-Later, Payflex may decline your application independently of any bank-side decline.
You may retry using the same or a different payment method.
If failures continue, contact your bank or reach us at [email protected].

Daily Discounts is not liable for price changes or stock availability between a failed payment attempt and a successful retry. Pricing and availability at the time of successful payment apply.

8. Refunds and Reversals

Refunds are subject to our Refund and Return Policy, available on our website. Estimated timelines by payment method are set out in the table below.

Payment Method	Refund Method	Estimated Timeline
Credit / Debit Card	Reversed to original card	3-5 business days
Apple Pay	Reversed to original Apple Pay card	3-5 business days
Samsung Pay	Reversed to the original card	3-5 business days
PayByBank / Instant EFT	Bank transfer to your account	5-7 business days *
Mobicred	Credit to your Mobicred account	Per Mobicred’s terms
Manual EFT	Bank transfer to your account	5-7 business days
Google Pay	Reversed to the original card	3-5 business days
Mukuru / Scode / QR	Bank transfer to your account	5-7 business days
RCS	Credit to your RCS account	Per RCS’s terms

*Timelines run from the date the refund is initiated by Daily Discounts. Actual clearing times may vary depending on your bank.

Additional notes:

- Refunds are only processed once a return has been received and inspected, where applicable.
- PayByBank payments are irrevocable. Refunds for these methods are processed as outward bank transfers and cannot flow back through the original payment channel.
- Mobicred refunds are managed in conjunction with Mobicred. We cannot control Mobicred’s internal processing timelines.
- Scan to Pay refunds are processed as bank transfers. They cannot be reversed through the original QR payment channel.
- RCS refunds are managed in conjunction with the respective payment providers. We cannot control their internal processing timelines.
- We do not issue cash refunds for any payment method.

9. Disputed Transactions and Fraud

9.1 Chargebacks (Card Transactions)
If you believe an unauthorised card transaction has occurred, contact your bank immediately to initiate a chargeback. We will co-operate fully with your bank’s investigation and provide transaction records on request.

Daily Discounts reserves the right to dispute chargebacks where an order has been legitimately placed and fulfilled.

9.2 Suspected Fraud
If you suspect fraud involving your Daily Discounts account or a transaction on our platform, contact us immediately at [email protected] or 010 900 5515. We will escalate the matter to PayFast for investigation.

9.3 Unauthorised Account Access
If you did not authorise a transaction on your Daily Discounts account, change your account password immediately and contact us. We will suspend the account pending investigation if required. Daily Discounts does not accept responsibility for any fraudulent transactions on your account except where a system error caused by us can be demonstrated.

10. Order Cancellations

10.1 Before Dispatch
If you cancel your order before it has been dispatched, a full refund will be processed to your original payment method within the timelines set out in Section 8.

10.2 After Dispatch
Once an order has been dispatched, it cannot be cancelled. You must accept delivery and follow our return process. Refer to our Refund and Return Policy for full details.

10.3 Cooling-Off Period
If your purchase resulted from a direct marketing approach (for example, an email promotion, SMS, or social media advertisement), you may have the right to cancel within the applicable cooling-off period and receive a full refund. Refunds in these cases will be processed in accordance with Section 8.

11. Mobicred – Credit Agreement Disclosure

Mobicred (Pty) Ltd is a registered credit provider. Any purchase made using Mobicred constitutes a credit agreement between you and Mobicred, governed by the National Credit Act, No. 34 of 2005.

Daily Discounts is the merchant only. We are not party to your credit agreement with Mobicred and are not responsible for:

Credit limit decisions or credit bureau assessments
Interest rates, fees, or charges applied by Mobicred
Your repayment schedule or terms
Any credit bureau reporting by Mobicred

By selecting Mobicred at checkout, you confirm that you have reviewed and accepted Mobicred’s terms and conditions directly with Mobicred. By utilizing Mobicred you confirm that Daily Discounts does not incur any responsibility or liability for the protection and safeguards of your personal information, which is managed between yourself and Mobicred.

12. RCS – Credit Agreement Disclosure

RCS Cards (Pty) Ltd is a registered credit provider and authorised financial services provider, regulated under the National Credit Act, No. 34 of 2005. RCS payments are facilitated by PayFast on our behalf.

Any purchase made using RCS constitutes a credit agreement between you and RCS, governed by the NCA. Daily Discounts is the merchant only. We are not party to your credit agreement with RCS and are not responsible for:

Credit limit decisions or credit bureau assessments
Interest rates, fees, or charges applied by RCS
Your repayment schedule or terms
Any credit bureau reporting by RCS

RCS is only available to existing RCS cardholders. By selecting RCS at checkout, you confirm that you are an existing RCS cardholder and have reviewed and accepted RCS’s terms and conditions.

13. Data Protection

When you make a payment, we collect and process certain personal and payment-related information. This is done in accordance with our Privacy Policy and the Protection of Personal Information Act, No. 4 of 2013 (POPIA).

Information collected at checkout includes your name, email address, delivery address, and payment method type. We do not collect or store your full card number, CVV, or internet banking credentials.

Your payment data is shared with PayFast for the purpose of processing your transaction. PayFast operates under their own POPIA-compliant privacy policy. Banking credentials provided via PayByBank are processed exclusively by PayFast and are never accessible to Daily Discounts.

For full details of how we handle your personal information, refer to our Privacy Policy at www.dailydiscounts.co.za/privacy-policy.

14. Governing Law

This Policy is governed by the laws of the Republic of South Africa. Any disputes arising from or related to this Policy or any payment processed under it are subject to the jurisdiction of the South African courts.

The principal legislation applicable to this Policy includes:

Consumer Protection Act, No. 68 of 2008
Electronic Communications and Transactions Act, No. 25 of 2002
Protection of Personal Information Act, No. 4 of 2013
National Credit Act, No. 34 of 2005

15. Changes to This Policy

We reserve the right to update or amend this Policy at any time. Changes take effect from the date they are published on our website.

Where a change materially affects your rights, we will notify registered customers via email where practicable.

Continued use of the Daily Discounts website following publication of an updated Policy constitutes your acceptance of the changes.

16. Contact Us

If you have any questions in relation to our Shipping Policy or any other policies published, please contact us at: [email protected], call us on 010 900 5515, or visit us at 10 Matuka Close, Carlswald, Midrand, 1684, South Africa.

Company Registration Number: 2023/241326/07 VAT Number: 4070318433