By Ntombenhle “Enhle” Annegbe-Enahoro, IPP Product Manager at Ecentric
South Africa has never had more ways to pay. At the point of sale in 2026, a consumer can tap or insert a card, open a banking app and make a PayShap transfer, scan a QR while deciding to split the purchase across three interest-free instalments using PayJustNow or Payfex, tap their phone to pay via digital wallet, redeem from any one of a growing number of loyalty and rewards programmes, or hand over cash, all while the next customer is awaiting their turn to pay. The infrastructure to support innovative payment solutions is evolving rapidly in the country.