Built for South Africa

Payments made simple.
Business made faster.

Send money, accept payments, and manage your wallet in one place. Personal accounts are free. Businesses accept QR payments with no card machine.

Create free account Register your business

Business accounts have their own wallet, kept separate from personal money.

KotiCash
Available balance
R 1,604.00
@samukaay
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14 Jul · bank EFT
+R 1,000.00
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14 Jul · card
+R 200.00
TN
Thabo Nkosi
12 Jul · lunch
−R 600.50
Home
Pay
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Wallet
Activity
OTP-verified accounts Encrypted sessions QR payments Payment notifications Email support

Everything in one wallet

For people and for businesses — kept safely separate.

For you
Send money instantly

Pay anyone by username, @slug, email or phone number. Settled between wallets in seconds.

Scan and pay

Scan a QR code and pay in seconds. No cash, no card machine.

Easy top-ups

Load your wallet by card or bank EFT. All the major South African banks.

Built to be safe

OTP on every withdrawal, new-device alerts, and a full audit trail on every transaction.

For your business
Merchant accounts

Register your business, get verified, and receive your own QR code and payment link.

Accept payments anywhere

Take payments by QR code or payment link. No expensive POS hardware.

Merchant dashboard

Track payments and customer activity from one place.

Separate wallets

Business money and personal money never mix. Each account has its own wallet.

Why KotiCash

Secure

OTP verification, encrypted sessions, and an alert whenever a new device signs in.

Same-bank payouts land instantly

Withdraw to Capitec, ABSA, FNB or Standard Bank and it arrives immediately. 1–2 business days to any other bank.

No hardware

Accept payments with a QR code. No card machine to rent, no monthly fee.

Clear fees

A flat 50c on personal payments. 1.5% on merchant sales. Nothing hidden.

Grow your business

Accept payments in-store, online, or on the move.

QR payments Payment links Your own business wallet Payments dashboard Instant payout to Capitec, ABSA, FNB or Standard Bank 1.5% per sale — no monthly fee
Register your business

Your wallet. Your money.

Everything in one place, on your phone.

Top up by card or bank EFT Send money in seconds Receive with a QR code or link Withdraw to your bank — instant to the big four Full transaction history
Create free account

Ready to get started?

Open a free personal account in a couple of minutes.

Create free account