This, in turn, leads to healthier bottom lines for businesses. The introduction of the Payout API is another key feature, enabling instant refunds and real-time settlements. The platform offers automatic debiting, application notifications, and enhanced security features, ensuring seamless transactions for both consumers and merchants. Additionally, Capitec Pay has implemented stringent payment provider scrutiny to enhance security, making it one of the safest online payment solutions in South Africa. Moreover, Capitec's platform improves financial management for businesses by eliminating failed payment fees and providing detailed error reports. Driving transparency and affordability Capitec's approach to price transparency stands out in the competitive landscape. The bank publishes its rates online, allowing businesses to use the information when planning their payment strategies.