Binteca Paybridge — Multi-Rail Payment Orchestration

🚀 Next-Generation Payment Orchestration

One Universal API for All South African Payment Rails

Route transactions intelligently across PayShap, RTC, SAMOS RTGS, EFT Batch, and DebiCheck. Automatically optimize for speed, cost, and liquidity limits.

Interactive Dynamic Rail Router

Enter an amount in Rands to watch Paybridge select the optimal clearing rail in real time.

chooseRail() Engine

Transfer Amount (ZAR)

Selected Optimal Rail PAYSHAP (INSTANT RTC)

Settlement Speed

< 1.2 Seconds

Estimated Fee

R 0.45

Max Limit

R 50,000.00

Amount ≤ R50,000 qualifies for SARB Real-Time Clearing (RTC) PayShap proxy rail.

National Payment Rails Status

PAYSHAP RTC

Instant Proxy

Max: R50k · ~840ms

RTC (EFT RTC)

Corporate RTC

Max: R5M · ~1.4s

SAMOS RTGS

Wholesale RTGS

Wholesale > R5M

EFT BATCH

Payroll & Bulk

Same-day window

DEBICHECK

Mandate Debit

TT3 Authenticated

Initiate Intelligent Payment via cURL POST /payments/initiate

curl -X POST https://paybridge.binteca.io/payments/initiate \
  -H "X-Paybridge-API-Key: pb_test_binteca_key" \
  -H "X-Tenant-ID: tenant_apex" \
  -H "X-Idempotency-Key: pay_$(date +%s)" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 25000.00,
    "currency": "ZAR",
    "beneficiary": {"name": "Apex Supplier", "phone": "0821234567"},
    "reference": "INV-2026-X01",
    "preferred_rail": "OPTIMAL"
  }'