Buying Data,
Airtime & Electricity
and Paying Bills:

Frequently Asked Questions

You can purchase prepaid data or airtime, or pay a number of bills to selected services and shops on SwiffyPay.

Like any other WhatsApp conversation, you need data or a Wi-Fi connection to send and receive messages. Other than that, SwiffyPay is free.

The step-by-step SwiffyPay WhatsApp process is easy to follow. Once you have chosen what to buy and how much to pay, you are taken to a secure payment gateway to log into your bank.

Payments are made by Bank-to-Bank EFT with your own banking profile through this online payment gateway.

EFT stands for Electronic Funds Transfer. Bank-to-Bank EFT is a type of payment that eliminates a waiting period. EFT payments are processed through the Automated Clearing House network, which allows for money to be transferred directly between banks.

You need to log into your own banking profile for your own security. In online transactions, your card is not necessary, but you need to personally authorise payments. So your usual internet banking login and security protects you throughout the transaction.

All transactions are PCI-DSS regulation-compliant and completely secure. Your private and banking information details will not be shared with anyone.

If you experience problems using the SwiffyPay WhatsApp process, email us at Or WhatsApp SwiffyPay at 087 250 5109.

Most times your recharge will be immediate. In times of high volume, you may have to wait a few minutes. If you have not recharged after 15 minutes, there may be a technical problem with your bank or with the details you have entered. Either try again or contact us at for additional help.

Buying airtime, data or electricity through SwiffyPay has an additional bonus. One per cent of every purchase made is discounted, giving you a cash saving on your purchase instantly. No points accumulation, no card swiping. Just instant savings benefit.

In most cases, the instant EFT payment is immediate and should reflect at your bank accordingly. However, depending on the recipient, payment may take between a few minutes and 48 hours to reflect on their records.

There are a number of stages during the process that will require you to confirm your purchase. If you make a mistake during the process, you can exit and start again. Once payment is confirmed, the purchase cannot be reversed.

There is no limit to the number of purchases you can make, provided you have airtime or data and enough funds in your account. 

There are a number of stages during the payment process that will require you to confirm your recipient and reference. If you make a mistake during the process, you can exit and start again. However, once payment is authorised and confirmed, the payment cannot be reversed through SwiffyPay.