Gateways
Netcash Pay Now
South African cards, Instant EFT, bank EFT and retail payments via Netcash Pay Now hosted checkout.
On this page
South African cards, Instant EFT, bank EFT and retail payments via Netcash Pay Now hosted checkout.
At a glance#
| Type | netcash_paynow |
| Countries | South Africa |
| Currencies | ZAR |
| Capabilities | Hosted checkoutRecurring (gateway subscriptions)On-demand status verification |
| Gateway docs | api.netcash.co.za/inbound-payments/pay-now/pay-now-ecommerce/ |
Checkout experience#
Auto-submitted HTML form POST to Netcash Pay Now (paynow.netcash.co.za).
Configuration fields#
Enter these in the dashboard under Settings → Payment providers → Netcash Pay Now. Secret fields are encrypted at rest and masked after saving; leave a secret blank when editing to keep the stored value.
| Field | Type | Notes |
|---|---|---|
| Pay Now service keyrequired serviceKey | Secret | Netcash portal > Account Profile > NetConnector > Pay Now |
| Software vendor key vendorKey | Text | Leave blank to use Netcash's default vendor key |
| Offer budget (card instalment) option budget | Checkbox | Default: |
| Notify secret notifySecret | Secret | Pay Now does not sign notifications and takes its Notify/Accept/Decline URLs from the Netcash portal, not from each request. In the portal set the Notify URL to this provider's webhook URL with &secret=<this value> appended, and point Accept/Decline to your payment result page. Sandbox mode has no separate URL: put the Pay Now service in Test Mode in the portal instead. |
| Legacy passthrough: reference prefix passthroughPrefix | Text | Optional. While migrating, payments whose Reference starts with this (e.g. SMX) and that CentraPoint didn't create are handed back to your old integration. |
| Legacy passthrough: notify URL (https) passthroughNotifyUrl | Text | Raw Netcash notify body is forwarded here, with retries. Your system must verify it with Netcash. |
| Legacy passthrough: return URL (https) passthroughReturnUrl | Text | Payers returning with a legacy reference are redirected here with TransactionAccepted, Reason and Reference. |
Every provider also has Enabled, Sandbox / test mode and Default checkout method switches.
Notification URL#
https://app.centrapoint.co.za/api/webhooks/netcash_paynow?provider={providerId}Copy the exact URL, with your provider ID filled in, from Settings → Payment providers.
- Pay Now does not accept per-request return or notify URLs. In the Netcash portal, set the Pay Now service's Notify URL to this provider's notification URL with &secret=<Notify secret> appended.
- Point the Accept and Decline URLs to /api/payment/return on the CentraPoint app.
- There is no separate sandbox URL: put the Pay Now service into Test Mode in the Netcash portal instead.
How notifications are verified#
- Pay Now notifications are not signed. CentraPoint checks the optional shared secret in the URL (constant-time comparison).
- Every notification is re-queried with the Pay Now Transaction Status Check before it is trusted.
- The amount and currency must match the transaction before it can be marked complete.
Going live#
- Test with sandbox credentials and Sandbox / test mode on, and confirm the notification appears as processed in the Webhook log.
- Replace the credentials with live ones and switch off Sandbox / test mode.
- Update any URL or secret configured in the gateway's portal for the live environment.
- Make a small live payment and confirm it with the Transactions API.