South Africa PayShap
BYOK PayShap proxy-pay and BankservAfrica instant-rail reconciliation for South Africa
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BYOK PayShap proxy-pay and BankservAfrica instant-rail ISO 20022 reconciliation for South Africa
Instant proxy payments and bank-feed reconciliation
PayShap is South Africa's real-time low-value payment rail, operated by BankservAfrica under the SARB Rapid Payments Programme (RPP). It runs 24/7 and lets you pay or be paid by ShapID proxy (a registered cellphone number) instead of full bank details. This connector brings the full PayShap workflow into Odoo Accounting: build the ISO 20022 credit transfer, transmit it through your own bank or PSP API with your own credentials (bring-your-own-key), and automatically reconcile the inbound settlement feed against your open customer invoices.
Outbound proxy-pay (pacs.008)
- Pay a beneficiary by ShapID cellphone proxy or by account + 6-digit branch code.
- Generates a standards-correct ISO 20022 pacs.008 FI-to-FI customer credit transfer with the RPP service level and the
PAYSHAPlocal instrument. - South African cellphone numbers are normalised to the canonical
+27MSISDN automatically. - Enforces the published per-transaction scheme ceiling of R50 000.
- Stable end-to-end identifier so retries stay idempotent and status reports reconcile back to the right payment.
Inbound reconciliation (camt.054)
- Import the camt.054 settlement notification your bank/PSP delivers.
- Confidence-scored matching: by end-to-end id, remittance reference, payer ShapID / account, then payer name and exact amount.
- Registers an inbound account.payment against the matched invoice using Odoo's standard reconciliation.
- Scheduled action re-matches open entries and can auto-reconcile high-confidence matches.
- Idempotent ingest — re-importing the same feed never double-books.
Bring-your-own-key, no accreditation required
You stay the registered participant. The connector never bundles a credential or impersonates an accredited integrator: it generates the ISO 20022 message and transmits it through the endpoint and credentials you configure (OAuth2 client credentials, a static bearer token, or an API key). Every secret is stored encrypted-at-rest in your database and protected by the system group; secrets are redacted from the audit trail.
Supported ISO 20022 messages
| Message | Direction | Purpose |
|---|---|---|
| pacs.008 | Outbound | FI-to-FI customer credit transfer — the PayShap proxy-pay we build. |
| pacs.002 | Inbound | Payment status report — accepted / in-process / rejected, with reason code. |
| pacs.004 | Inbound | Payment return — flips a payment to Returned with the ISO return reason. |
| camt.054 | Inbound | Debit/credit settlement notification — the reconciliation feed. |
Built for Odoo 18, 19 and 20
- Community-only dependencies:
base,mail,account. No Enterprise modules required. - Pure-Python ISO 20022 builder and parsers (standard library only) — fully unit-tested.
- Full audit log of every API call, with secrets redacted.
- Multi-company aware, with per-company PayShap connections.
Support
Questions or a feature request? Email support@pokutsoft.com.
Screenshots
PayShap payments to a ShapID or a bank account, with their ISO 20022 status
An accepted payment: pacs.002 status ACCC and its posted accounting payment
A payment returned by a later pacs.004 (reason AC04, closed account)
camt.054 settlement entries matched to invoices and reconciled
Import Settlement: camt.054, pacs.002 or pacs.004 from your bank
PayShap connection with your bank or PSP endpoint and originating account
API call log of every request to the endpoint
Update date: 2026-10-17
User guides (PDF)
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