Frequently Asked Questions


Yes you do! iKhokha has a responsibility to FICA you according to the The Financial Intelligence Centre Act (38 of 2001).

We need to verify your identity and bank account, therefore we require you to upload different documents depending on whether you are applying as an individual or on behalf of a business, for more detailed FICA info please click here

What is a valid Proof of Identification document?

  • Green Barcoded SA ID Book
  • Valid SA Driving License
  • Valid SA Passport
  • If you’re not a South African citizen then you will have to provide the following:
    • Passport
    • Valid work permit

What is a valid Proof of Address document?
Any document that is posted to you via post that contains your:

  • The POA document must be in your full names
  • Not older than 3 months
  • Certain documents are not accepted:
    • Invoices
    • Tax returns
    • E-filing document
    • Payslips
    • Any letter that is not from a property management company

What is a valid Proof of Business Address document?
Any document that is posted to you via post that contains your:

  • Company Name
  • Full Address of Company
  • Not older than 3 months
  • Documents that are not accepted – invoices, tax returns, e-filing document, payslips and any letter that is not from a property management company.

If you don't have a valid proof of address, you can make use of our site visit form provided at the time of delivery of your iKhokha Card Reader. Please take note that our site visit form cannot be used if:

  • A 3rd party takes delivery of your iKhokha device
  • Your iKhokha device is delivered at an address different from your current business address

What is a valid Cipro document?

  • Document issued to you by the Cipro Offices – Generally a CK 1 or CK 2 document.

What is a valid Resolution?
This should be supplied when a company has more than one member and should contain the following:

  • Names and Surnames of ALL members
  • Signatures of ALL members
  • Company Name
  • Company Registration Number
  • Name, Surname and ID of person applying on behalf of company

Click here for a Resolution template

iKhokha has partnered with Xlink in order to offer a rental option to all iKhokha merchants.

Therefore as an iKhokha merchant that has selected the rental option;

  • You will be committing to rent an iKhokha unit owned by Xlink for a minimum 24 months.
  • Xlink will directly debit you on a monthly basis in advance for the rental fee on the first working day of each month
  • Should you receive your iKhokha device before the 15th of the month, you will be billed from the 1st of that month. If you receive your iKhokha device after the 15th of the month, you will only pay from the 1st of the next month.
  • Depending on the monthly debit cycle, it may sometimes happen that the debit order for the first payment and the second payment is processed on the same date. This will only happen on the first debit order - thereafter each debit order will only be for the rental for a single month.
    • e.g. if you receive your device on the 3rd of July 2016, the July rental will be debited together with the August rental on the 1st working day in August. Your account will therefore be debited with R300 – R150 for July and R150 for August.
    • The Xlink master rental agreement is legally binding and as the merchant you will be obligated to honour the relevant monthly payment for a minimum of 24 months.

As the iKhokha merchant, you will not own the iKhokha device at the end of the period – it is a rent-to-rent model – the unit belongs to Xlink. At the conclusion of the 24 month rental period your contract is billed on a month-to-month basis

Click following links to access the Xlink T&C’s and Master Rental Agreement:
Download - Master Rental Agreement
Download - Xlink Agreement

Yes it is possible. Please email us a brief company history, info about your app and current market reach as well as a signed and completed copy of the following Bilateral NDA, email and CC

The more you process through iKhokha the bigger the amount you qualify for.

The Cash Advance offered to your business is calculated on your card transaction history and will be closely linked to your average monthly card turnover to date.

We calculate a Cash Advance amount based on your average iKhokha card turnover within a month:

  • You need to have been trading over the latest 3 months
  • You need to trade at least 3 times a month
  • You must have a minimum of 10 iKhokha transactions a month
  • You must have traded in the last 15 days
  • Your turnover must be higher than R2500 per month
  • Your average turnover over the latest 3 months must be higher than R3125
  • **Please note that “latest 3 months” refer to a rolling period of 90 days

The minimum cash advance is R2 500 and the maximum cash advance that you are able to qualify for is R50 000

Check the transaction status on your receipting screen if you're not sure. Otherwise check out before handing over the goods!

Yes you can!

As an iKhokha merchant we issue you with a unique discount code that you can share with your friends or clients if they are interested in signing up to iKhokha.

By using the discount code when signing up, your friend or client will receive R100 discount off the purchase price of iKhokha and we will give you a R100 reward? It is a win win scenario.

How do I refer someone?

  • Option 1: Share your discount code after processing a successful transaction
    1. Process a successful payment on your app
    2. Before you send or skip the receipt, choose one of the share icons at the bottom of the screen (Facebook, Tweet, Mail, SMS or Whatsapp)
  • Option 2: Share your discount code via My Business
    1. Tap on My Business in your iKhokha app
    2. Select Referrals
    3. Choose one of the share icons at the bottom of the screen (Facebook, Tweet, Mail, Text or Whatsapp)
  • Option 3: Share your discount code manually
    1. Take down your unique discount code and share it in any way you want
  • Option 4: Share your discount code via
    1. Login to
    2. Select the referrals tab
    3. Select “Refer more friends”
    4. Choose one of the share icons at the bottom of the screen (Facebook, Tweet, Mail, Text or Whatsapp)

Yes we do. Please email us a brief company history, info on current market reach as well as a signed and completed copy of the following Bilateral NDA, email and CC

Tap on the My Business section on your iKhokha app to see if you’re eligible and what amount you pre-qualify for, then follow the quick and easy steps to apply!

If you have a limited iKhokha trading history then you’re not currently eligible for business financing. iKhokha cash advance will become available to you as you build up a track record using iKhokha for all your card payments. Call our customer support team (0860 546 542) for more info.

Let’s say you accept an advance for R10 000 the breakdown might work as follows:

  • iKhokha’s financing partner Retail Capital will deposit R10 000 into your bank account.
  • Total future payment card receivables due for Cash Advance repayments: R12 000.
  • Percentage of daily card sales that go towards your Cash Advance repayment: 10%
  • This is in addition to your standard iKhokha card commission fees.

The best part? The amount you owe will not change (no additional fees), regardless of how long it takes you to pay it off!

There is a catch though. You need to use your iKhokha card machine to qualify!

In order to access amounts larger than R50 000, you will be required to work through a manual signup process. Please contact our support team for more information on 0860 546 542


There are a wide variety of Android and iOS phones compatible with our Card Reader. Please view our phone compatibility list or alternatively use our phone compatibility search tool to see if your phone is compatible.

  1. Check the transaction status on the receipting screen in the iKhokha app at the end of the transaction process.
  2. If you’re still not sure, tap on “My Business” from your home screen in the iKhokha app and then navigate to “History”
  3. Alternatively, navigate to from your web browser and check your transaction history tab before handing over the goods!

Record all your cash sales by simply tapping the cash icon in the app, follow the on screen prompts to conclude the cash sale. The app automatically calculates the amount of change for your customer. No more sums on serviettes!

Process a card sale by tapping on the Card icon, insert the iKhokha card machine when prompted and continue to follow the on screen prompts to conclude a card sale.

For security reasons we only process Chip & PIN and Swipe & PIN transactions for all MasterCard, Visa, Maestro and Visa Debit cards.

Remember that your customer only has to touch lightly on the iKhokha card reader to enter their PIN. Its a touch pad!

Process a MasterPass sale by tapping on the QR code icon named “MasterPass” follow the on screen prompts to successfully ring up a sale. A QR code will be displayed on your screen. Present the QR code on your screen to your customer.

Your client is required to scan the QR code with their phone utilising their MasterPass app.

NB: Your customer will need to have a version of the MasterPass app, available for download on all SA app stores.

Masterpass is a QR code linked digital wallet product. Built by MasterCard it works in a similar way to Zapper or SnapScan, using a QR code to process a card linked payment. Most importantly it is classified as an Authenticated Mobile Transaction by SA banks, which is seen as a more secure option than similar solutions and carries no risk for you the merchant. Phew!!

The other big differentiator for MasterPass is that unlike competitive products it also works with debit cards not just credit cards. You the merchant control inputting the transaction amount, not your customer.

Q: Do customers have to have a MasterCard or do Visa Cards also work?
Yes Visa cards do also work and can be loaded into the customers MasterPass app.

Q: Are there exceptions?
Yes there are, card holders need to check with their card issuing bank if their card is enrolled for Masterpass, MasterCard 3D secure or Verified by Visa. If not then their card won't work, for example FNB debit cards are a known exception case. But there is a very long list of cards that will work perfectly.

Yes! you will need either Wifi or a cellular data connection to process payments. Each iKhokha transaction uses approximately 25KB - 50KB of data. If you're having trouble connecting to iKhokha, do the following:

  1. Check you have airtime/data on your phone.
  2. If you’re battling to connect on wifi- switch between wifi and cellular connectivity to test your connection or alternatively try open a web page from your browser.

If you need to reset your password, please navigate to and login using the same details that you use to login to the iKhokha app. Once successfully logged in, in the drop down click on the reset password link. An email with a reset password link will be sent to the email address you signed up with. Click the link to reset your password.

  1. Make sure that you have charged the iKhokha card machine.
  2. Launch the iKhokha app and sign in to your iKhokha merchant account using the email address and password that you used to sign up for iKhokha.
  3. Select the transaction type “Card" from the home screen.
  4. Plug it into the audio jack of your smartphone or tablet when prompted to do so.
  5. You will notice the LED indicator on the iKhokha card machine will turn solid green. Green means go - you are ready to process your first card transaction!

If something goes wrong with the transaction, don't assume that the client's SMS from their bank is proof of transaction approval. Always refer to the above steps to validate transaction approval.

Customers download the Masterpass app from their relevant app store, it's available on Android, Windows & iOS. Currently ABSA bank, Capitec bank, Standard Bank and Nedbank have their own MasterPass apps.

NB: customers can load their card details into any of the SA bank's Masterpass apps, irrespective of whether they bank with them or not!

In order to pay via Masterpass, the user is required to link their card by entereing their card details into the secure encrypted app.

Each Masterpass transaction will need to be authenticated on the users phone. This authentication takes place by entering either ATM PIN or a One Time Password. This verification method is dependant on the customers banks preference.

In addition to the above mentioned transaction related points. Everything you need to know in order to operate the iKhokha XL card machine can be found in the iKhokha XL user guide. AVAILABLE HERE

  1. Do I need to worry about connectivity for the iKhokha XL?
    • iKhokha makes use of a very cost effective cellular data link (APN) in order to facilitate all of your transactions at the lowest possible cost. The iKhokha XL ships with a sim card that has been pre-configured to this connection. When you receive the iKhokha XL, you’re ready to trade!
  2. What does this connection cost?
    • The iKhokha XL connection to the iKhokha APN costs R27/month. The R27 connection fee will be deducted from your first settlement for the month. We will never bill you more than R27 for this connection on a monthly basis.
  3. Can I browse the internet on the iKhokha XL?
    • Merchants are not able to surf the internet from the iKhokha XL. We have limted usage to only connect to the iKhokha servers.
    • Should you wish to enable more internet connection points, please contact us.

Yes, if you have multiple users transacting on your account, you will need to setup multiple user accounts. This is easily achieved by navigating to, logging in and clicking on “account settings”.

Simply click on “add new user” enter the relevant details of your staff member and you’re all set.

NB: Each user will need a unique email address and a password. You will also be able to view sales by user on if you are the master user.

The iKhokha card machine makes use of a touch keypad - exactly like your smartphone. Tell your clients to gently enter their PIN and watch the green LED light flash for each number they touch.

Your iKhokha card machine has it’s own battery. Charge up every night to ensure you have enough juice to get you through the folllowing day.

Recon and Reporting

iKhokha will send you the following reports:

  1. Daily Transactional report
  2. Daily settlement report
  3. Monthly VAT Report

Check your business performance while on the move with

Simply navigate to for a graphical overview of your sales or export reports directly to your desktop.

Simply use your iKhokha app username and password to log in and you’re all set!

  1. All merchant payments are settled as a lump sum for the day's transactions.
  2. Merchant payments will reflect in your nominated bank account within 1 - 3 business days.
  3. iKhokha settles merchants less iKhokha’s transaction commission fee of 2,75% (EX VAT).
  4. iKhokha only settles merchants once accumulated sales total R10 or more.
  5. iKhokha charges a settlement fee of R2 per batched settlement i.e. R2 per day for each business day traded.
  6. iKhokha only settles on business days within the month.
  7. iKhokha merchants will receive a daily detailed transaction report for all of your transactions for the day via email.
  8. iKhokha merchants will receive a settlement report every time that iKhokha settles into the nominated bank account.
  9. iKhokha merchants will receive a monthly transaction report (via e-mail) for all transactions concluded within the month.
  10. iKhokha merchants will receive a monthly settlement report (via e-mail) for all settlements within the month.

Please see our settlement timeline examples below:

Transaction Day
(before 7 p.m)
Monday Tuesday Wednesday
Tuesday Wednesday Thursday
Wednesday Thursday Friday
Thursday Friday Saturday
Friday Saturday Monday
Saturday Monday Tuesday
Sunday Monday Tuesday
Need to know if your device is compatible?

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