BipraPay

Payments at the
speed of now

Instant payment processing for businesses where every millisecond counts — e-commerce, payroll, mass disbursements.

Get started
Average processing time
<800ms
R12.4M
Processed today
99.97%
Success rate
247
TPS capacity

Enterprise payments channel

One channel, every payment scenario

From the first API call to funds landing in the recipient’s account, BipraPay owns the full path — nothing gets handed off between disconnected systems.

BipraPay infrastructure
Corporate client
Sends a payment instruction via API or dashboard
Enterprise channel
Authenticates the request and routes it in
Payments engine
Screens, prices, and queues for settlement
Industry gateway
Selects the fastest compliant rail
BipraPay core
Executes and confirms in real time
Payee bank
Funds land in the recipient’s account
Watch a payment move

748 milliseconds.
Start to settled.

This is the actual journey of every BipraPay transaction — replayed live, at real proportional speed.

API call received
12ms · validated
Compliance screen
48ms · AML cleared
Rail selected
8ms · fastest route
Bank settled
680ms · funds cleared
748ms
BipraPay average
2,200ms
Industry average
Faster than the market
Run your first payment

The BipraPay difference

How we hit sub-800ms in South Africa

Speed is an architecture decision. Here's ours.

Edge processing nodes

Co-located with South African bank clearing infrastructure, eliminating cross-continental latency.

Pre-authorisation queuing

Bulk payrolls of 50,000 start clearing before the batch is fully submitted.

Intelligent rail selection

Our router picks the fastest available rail in real time. RTC congested? EFT same-day kicks in automatically.

Automatic retry with backoff

Failed payments retry up to 3 times with exponential backoff. No manual intervention required.

Response time breakdown
API validation12ms
Compliance screening48ms
Rail routing8ms
Bank clearing680ms
Total748ms avg
Industry benchmark
Average SA payment gateway: 2,200ms
BipraPay is 3× faster

Disbursement types

Every way you need to pay

Payroll

50,000 employees paid in under 90 seconds. Multiple banks, currencies, and pay schedules.

Max: 50,000 recipients/batch
Supplier payments

Automate accounts payable. Trigger via API when PO approval is complete.

Supports: EFT, RTC, SWIFT
Subscription payments

Recurring billing on any cycle — charge cards or debit accounts automatically, no manual re-authorisation.

Weekly, monthly, or annual
Insurance claims

Trigger payouts the moment a claim is approved. Zero manual processing steps.

Trigger: API webhook or event
Government grants

Mass disbursements with identity verification and POPIA-compliant data handling built in.

Compliant: POPIA, FICA, NPA
E-commerce

Accept payments and split to sellers in a single API call. Instant settlement available.

Split payments supported

Try it yourself

See the checkout your customers experience

A live preview of BipraPay’s hosted checkout, embedded exactly like it would be on your storefront. This is a demo — no real payment is processed and nothing you enter is stored or transmitted.

bipra.shop/checkout
Bipra Shop
1
Bipra Shop / Audio / Wireless headphones
Wireless headphones
(214)In stock
Wireless headphones
Qty: 1
SubtotalR1,499.00
DeliveryFree
TotalR1,499.00

Secured by BipraPay — demo only, no data leaves your browser

Under the hood

One engine, every rail

Funds enter through whichever channel your customer used, get orchestrated and reconciled in real time, and settle out through whichever rail is fastest right now.

Funding sources
Payment orchestration
Reconciliation & audit
Bank EFT
Real-time clearing (RTC)
Mobile wallets
Multi-rail routing

One hub, every direction

BipraPay sits at the centre of every rail your business needs — domestic and cross-border — so adding a new payment method never means a new integration.

bipra
Bank channels
Orchestration engine
Cross-border (SWIFT)
Real-time clearing (RTC)
Bank channels
Orchestration engine
Cross-border (SWIFT)
Real-time clearing (RTC)

"BipraPay processes our entire payroll — 800 staff across 6 provinces — in under 90 seconds. Every Friday. Without fail. The old system took 4 hours and still had errors."

ZK
Zola Khumalo
Head of Finance, Ubuntu Logistics

Pricing

Simple, transaction-based pricing

No bundled software fee — you pay for what moves through the rail, on every payment method.

Payment methodStandardEnterprise
Local Mastercard, Visa & Amex2.75% + R1.50/txnVolume-based
International cards3.25% + R1.50/txnVolume-based
Bank EFT1.25% + R1.50/txnVolume-based
Real-time clearing (RTC)1.50% + R1.50/txnVolume-based
Mobile wallets2.25% + R1.50/txnVolume-based
Cross-border (SWIFT)3.50% + R1.50/txnVolume-based
Payroll batch disbursementR1.50/recipientVolume-based
Setup & monthly fee
Setup feeNo setup fee on either plan
Account feeN/A · Enterprise R300/month
Reconciliation feeR150/month · Included on Enterprise
Settlements
Own bank account✓ Both plans
Settlement frequencyDaily (after 2 weeks) · Daily on Enterprise
Bring your own merchant accountEnterprise only
Platform features
Payment links, one-click checkout & recurring billing✓ Both plans
Webhook & event streamingEnterprise only
Recon & analytics
Reconciliation data & transaction export✓ Both plans
Support for customer recon systemsEnterprise only
Customer support
Support channelEmail & call centre · Dedicated manager on Enterprise
Response SLA48 hours · 1 hour on Enterprise
Talk to sales

Ready to move at the speed of now?

Set up BipraPay in your environment today.

Book a demoSee pricing
BIPRA FAQ Assistant
Automated · answers common questions
Prefer WhatsApp?

Chat on WhatsApp

Connect with our support team directly on WhatsApp. Available Mon–Fri 08:00–18:00 SAST.

General support
+27 67 716 4066
Sales & demos
+27 67 716 4066
Developer support
+27 67 716 4066