Business payments, sorted.
One place to pay staff, collect payments, accept cards, and offer flexible payment terms — backed by real licences, not workarounds.
Licensed. Regulated. Built to last.
PASA System Operator
Visa Payment Facilitator
Mastercard Card Programme
NCR Registered Credit Provider
PCI-DSS Compliant
POPIA CompliantMost payments companies work around the rules. We're licensed to work within them.
Everything your business needs to move money, in one place.
Pick where you're starting from — we'll show you the rest.
Cards & Payouts
Pay staff, reward performance, and issue cards instantly — even to people without a bank account.
Accept Payments
Take card payments in-store or online, and collect recurring payments with a licence that makes it legal and reliable.
Grow & Lend
Offer your customers flexible payment terms, and give your staff early access to wages they've already earned.
Manage It All
One dashboard for everything — cards, collections, payouts, and reporting, without five different logins.
Not sure where to start? Answer two quick questions.
What kind of business are you running?
Licensed recurring collections, done right.
Most businesses collecting recurring payments in South Africa are relying on a bank or a middleman with their own agenda. We hold the licence ourselves.
Actually licensed, not just "partnered."
Appiawave holds a PASA System Operator licence directly. We don't need to lean on someone else's compliance — we are the compliance.
DebiCheck and EFT, both covered.
Whether you need bank-authenticated DebiCheck mandates or standard EFT collections, it runs through the same system, with the same reporting.
Built for businesses paid monthly.
Subscriptions, loan books, insurance premiums, school fees, membership dues — built for exactly that.
From first call to processing payments — here's the path.
Connect
Tell us what you're trying to solve. One conversation, no obligation.
Onboard
Submit your business documents. We handle the compliance checks on our end.
Activate
Get your cards issued, terminals delivered, or API access switched on.
Go Live
Start processing. Real support from real people if anything needs adjusting.
Built for how South African businesses actually operate.
From high-volume retail to informal traders — the same infrastructure, tuned to your model.
Licensed South African payments infrastructure.
We build the rails that move money for South African businesses — cards, collections, acquiring, and lending — under one licensed platform. Headquartered in Pretoria, we partner with banks, regulators, and payment schemes so you don't have to.
From payroll cards to DebiCheck collections and merchant acquiring, Appiawave gives finance and operations teams a single, compliant place to run day-to-day money movement.
Payments, explained simply.
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Ready to sort out your business payments?
Tell us a bit about your business and we'll get back to you within one working day.