PayShap / RTC
Instant account-to-account credits across South African banks.
Settlement family
Domestic instant railsIndicative speed
Real-time
Documented markets
1 market
Family timing
Real-time on eligible rails, around the clock
Where this rail is documented
How the rail operates in each market, per the corridor dataset.
Instant account-to-account credits across South African banks.
Corridors funded over this rail
Business corridors starting in markets where this rail is documented.
Model a payment on this rail
Learn the mechanics
Other domestic instant rails
Frequently asked questions
What kind of rail is PayShap / RTC?
PayShap / RTC is classified as a domestic instant rail in the KeyBS Pay dataset — part of the domestic instant rails settlement family (real-time on eligible rails, around the clock).
How fast is PayShap / RTC?
Its documented indicative speed is "Real-time". Speeds describe how the rail is documented to operate; end-to-end timing on any cross-border payment is route-dependent.
Where does PayShap / RTC operate?
The dataset documents it in South Africa. Availability on a specific payment is confirmed per quote.
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Countries · 42
Market profiles: rails, regulators, documents and corridors
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Domestic and cross-border rails, by settlement family
Providers · 37
Objective capability profiles for payment providers
Settlement Methods · 7
The seven settlement families behind every route
Central Banks & Regulators · 41
Who supervises payments in each market, and what they require
From reference data to an executable quote
This page is reference metadata — availability is route-dependent. A KeyBS Pay quote shows the committed rate, disclosed fee and exact receive amount before you approve anything.
Request a QuoteReference metadata computed from the KeyBS Pay corridor dataset. Speeds are indicative and rail-dependent; availability on a specific payment is route-dependent and confirmed per quote. Also available via the free Knowledge API.