Pay Scan to Pay codes without a South African bank

Yes. Moreta pays Scan to Pay codes from a wallet you fund with your own bank or card at home, so you don’t need a South African bank account.See how it works

Not reliably. Scan to Pay links Visa, Mastercard, Amex and Diners cards in a South African app, but it doesn’t say foreign-issued cards work. Moreta skips the question: add money from home and pay the code from your Moreta balance.

Download Moreta, verify with your passport and a selfie, and add money from your bank or card. At the counter, tap Scan, point your camera at the Scan to Pay code, check the amount in South African rand and slide to pay.

One 1.5% fee per payment, at the live rate at the moment you pay. The app shows the exact cost in your own currency, fee included, before you confirm. Adding money has its own fee depending on how you top up; every fee is on the Fees page.

No. The payment reaches the merchant’s account the same way a local customer’s does, so they don’t sign up for anything or change how they take payments.

Yes. The app needs mobile data or Wi-Fi at the moment you scan and pay. A local SIM or an eSIM is all it takes.

Get the whole code in the frame and turn on the torch if it’s dark. If it still won’t read, check it’s a payment code rather than a loyalty or app-download code, and message us in the app so we can look at it with you. A little South African rand in cash covers the odd stall that only takes notes.

Moreta Global Inc. is registered with FinCEN as a money services business. Your funds sit with licensed partner banks, bank links go through Plaid so we never see your login, and every payment waits for you to slide to confirm.

Yes. Scan to Pay is what Masterpass in South Africa became in 2023, so an old Masterpass sign points to the same network, and Moreta pays both.