We all want things to be easier and quicker – and banking is no different.

Nedbank Money Message is a payment solution that enables businesses to send invoices and receive payments, easily and securely using the WhatsApp platform.

Please Note: WhatsApp no longer works on certain Android (Google’s software) and Apple (iPhone operating system) devices. This could affect our Nedbank Money Message service on your device. Please visit the WhatsApp FAQ page faq.whatsapp.com for more information on how to check your device settings.

What does Nedbank Money Message offer me?

Instantly create and send invoices to your customers

Link your existing bank accounts to get paid

Make payments through a secure Masterpass connection

Provides a QR code payment option for your customers

Expresso Media Coverage

Start My Car
Take a look at how this innovative payment solution has worked for other small business owners. Click here to view the Expresso episode.
Mama Theresa
Take a look at Nedbank Money Message for your Small Business. Click here to view the Expresso episode.

How to register in WhatsApp

Tap here to open WhatsApp and start the chat or save the Money Message number 087 240 6272 as a contact and start a chat in WhatsApp by sending 'Hi'.

Follow our guidance to set up your Money Message profile.

Create and send bills with QR codes to share with your customers.

Invite your customers to Money Message so they can make payments more easily through WhatsApp.

Please Note: WhatsApp no longer works on certain Android (Google’s software) and Apple (iPhone operating system) devices. This could affect our Nedbank Money Message service on your device. Please visit the WhatsApp FAQ page faq.whatsapp.com for more information on how to check your device settings.

FAQs

  • Getting started

  • What is Money Message and how do I use it?

    Money Message is a secure platform, by Nedbank, which lets you make payments and get paid through WhatsApp. To get paid you'll follow our guidance in a chat to create and send bills (with your business details) to customers.

  • How do I register for Money Message?

    Simply save Money Message's number, +27 (0)87 240 6272, as a contact on your cellphone and start a chat in WhatsApp by sending 'Hi'.

  • Do I need a smartphone to use Money Message?

    Because Money Message works in WhatsApp, you'll need a cellphone that can download it. You'll also need data and an internet connection. Fortunately transactions through Money Message are light on data, as there are no videos or audio files for you to download. Please check with your network provider for options to use WhatsApp with less data costs.

  • Why do I need to upload a photo of my ID or passport?

    To help prevent identity theft we need to verify the person registering for Money Message. It's part of our compliance with financial regulations in South Africa to match your ID or passport photo with your selfie.

  • Why do I need to take a photo with a thumbs up?

    To help prevent identity theft we need to verify the person registering for Money Message. It's part of our compliance with financial regulations in South Africa to match your ID or passport photo with your selfie.

  • Does my business need to be registered with CIPC (Companies and Intellectual Property Commission) to use Money Message to get payments?

    Money Message is perfect for small informal businesses and you don't have to be registered with CIPC as a private company (Pty) Ltd, a sole proprietor or as a non-profit company (NPC).

  • Do I need WhatsApp on my cellphone?

    Money Message only works in WhatsApp and you'll need to download it on your cellphone and register. No other apps will be needed – you'll just need enough data and an internet connection.

  • Do I need to have a business bank account to receive money through Money Message?

    Money Message is perfect for small informal businesses and you don't have to be a registered business or have a business account to get payments through Money Message. Any personal or savings account can be linked to your Money Message profile.

  • Do I need to be registered for VAT to use Money Message?

    Money Message is perfect for small informal businesses and you don't have to be a registered business or VAT-registered to use Money Message.

  • Is there a Money Message app I can download?

    Money Message works in WhatsApp, so you'll only need to download WhatsApp on your cellphone and save the Money Message number, +27 (0)87 240 6272, to your contacts. If you have enough data and an internet connection, you'll be able to start a chat and use the service by sending 'Hi'.

  • What phone and operating system do I need to use Money Message?

    You’ll need a smartphone with an up-to-date operating system and the latest version of WhatsApp. If your phone is too old for the latest versions, you’ll run into trouble using Money Message.

  • What is the maximum amount that can be transacted in a day?

    There’s no daily maximum amount, but bills are restricted to a maximum amount of R4 000 each and a total of R50 000 per month.

  • What file format does my logo need to be?

    You’ll be able to upload your logo as PNG, JPEG or PDF. The file needs to be under 2 MB and preferably in a square format.

  • Why does my photo show an upload error?

    Please check that you’re taking a photo with your cellphone in real-time. It won’t work if you’re uploading a photo from somewhere else or if you take a photo of a photo. Your one hand will need to show a thumbs up close to your face as proof that it’s a ‘live’ photo. We recommend taking it against a light-coloured wall and in good but not extreme lighting. The lens of your cellphone’s camera also needs to be clean so the photo isn’t blurry.

  • Getting paid

  • Does my business need to be registered with CIPC (Companies and Intellectual Property Commission) to use Money Message to get payments?

    Money Message is perfect for small informal businesses and you don't have to be registered with CIPC as a private company (Pty) Ltd, a sole proprietor or as a non-profit company (NPC).

  • Do I need to have a business bank account to receive money through Money Message?

    Money Message is perfect for small informal businesses and you don't have to be a registered business or have a business account to get payments through Money Message. Any personal or savings account can be linked to your Money Message profile.

  • Do I need to be registered for VAT to use Money Message?

    Money Message is perfect for small informal businesses and you don't have to be a registered business or VAT-registered to use Money Message.

  • Is there a limit to the amount my business can bill through Money Message?

    Bills are restricted to a maximum amount of R4 000 each and a total of R50 000 per month.

  • How many bank accounts can I link to receive payments?

    You can only link one bank account at a time to receive payments. It can be a business or personal account from a South African bank.

  • Why isn't my money reflecting in my account yet?

    Payments may take one to four business days to reflect in your account, depending on your bank. You may expect delays on public holidays and weekends. Check that the correct bank details are saved on your Money Message business profile. For help with changing your details, reply with 'i' in the chat to request agent support.

  • What is the maximum amount that can be billed in a month?

    The maximum amount that can be billed currently is R50 000.00

  • How much does it cost to send a bill?

    It costs R2 to create a bill and we charge 2.75% on the Merchant Service Commission fee. Fees are deducted before payments are made to a merchant’s linked account.

  • How much does a card transaction cost for the merchant?

    The Merchant Service Commission fee is 2.75%. Fees are deducted before payments are made to a merchant’s linked account.

  • How can I get paid with Money Message?

    You can create and send a bill with your business details to your customer. Choose ‘Gp’ (get paid) from the main menu and follow the easy instructions.

  • Making payments

  • How much does it cost to use Money Message to make payments?

    It’s free to pay a bill or use a QR code.

  • Why can't my card be linked to my Money Message profile?

    Check that your card is activated for online payments with the respective bank. Currently we only accept cards that are issued by South African banks.

  • How many cards can I link to my Money Message profile?

    You can load as many cards as you'd like and delete expired cards or cards you no longer want to use. Name your cards to help you use the correct cards for payments.

  • How do I pay a QR code on a bill?

    Take a screenshot of the QR code on the bill and reply with Mp from the main menu to make a payment. You can then choose Pq to pay using a QR code. You’ll be asked to upload a photo of the QR in the chat and choose the bank card you want to use for the payment.

  • What kind of cards can be linked to Money Message?

    You can add any South African Visa or Mastercard card to make a payment with Money Message. American Express, Diners Club and International cards are currently not accepted to make payments.

  • What kind of QR codes can be paid with Money Message?

    Money Message can be used to scan and pay the Masterpass QR code on your Money Message bill, or to scan a Snapscan QR code for payment. Currently, we are not supporting Zapper QR codes.To pay a QR codes reply with Mp from the main menu to make a payment, and with Pq to pay using a QR code. You’ll be asked to upload a photo of the QR in the chat and choose the bank card you want to pay with.

  • What is Masterpass?

    Masterpass by Mastercard makes online payments safer by storing all payment information in one highly secure place. It helps you pay faster online when your card details are saved, so Money Message chooses Masterpass for your convenience and security.

  • How do I scan a QR code to pay with Money Message?

    Money Message can be used to scan and pay the Masterpass QR code on your Money Message bill, or to scan a Snapscan QR code for payment. Currently, we are not supporting Zapper QR codes.To make payments with Money Message, simply take a photo of the QR code in the WhatsApp chat and upload it. Check that the photo is taken in good lighting and that it's not blurry. You'll be asked how much you'd like to pay if the amount wasn't included with the information of the QR code, as well as which card you'll be using for the payment.

  • Using Money Message

  • What is Money Message and how do I use it?

    Money Message is a secure platform, by Nedbank, which lets you make payments and get paid through WhatsApp. To get paid you'll follow our guidance in a chat to create and send bills (with your business details) to customers.

  • Do I need a smartphone to use Money Message?

    Because Money Message works in WhatsApp, you'll need a cellphone that can download it. You'll also need data and an internet connection. Fortunately transactions through Money Message are light on data, as there are no videos or audio files for you to download. Please check with your network provider for options to use WhatsApp with less data costs.

  • Do I need WhatsApp on my cellphone?

    Money Message only works in WhatsApp and you'll need to download it on your cellphone and register. No other apps will be needed – you'll just need enough data and an internet connection.

  • Do I need to have a business bank account to receive money through Money Message?

    Money Message is perfect for small informal businesses and you don't have to be a registered business or have a business account to get payments through Money Message. Any personal or savings account can be linked to your Money Message profile.

  • Do I need to be registered for VAT to use Money Message?

    Money Message is perfect for small informal businesses and you don't have to be a registered business or VAT-registered to use Money Message.

  • Is there a Money Message app I can download?

    Money Message works in WhatsApp, so you'll only need to download WhatsApp on your cellphone and save the Money Message number, +27 (0)87 240 6272, to your contacts. If you have enough data and an internet connection, you'll be able to start a chat and use the service by sending 'Hi'.

  • Is there a limit to the amount my business can bill through Money Message?

    Bills are restricted to a maximum amount of R4 000 each and a total of R50 000 per month.

  • How many bank accounts can I link to receive payments?

    You can only link one bank account at a time to receive payments. It can be a business or personal account from a South African bank.

  • Why isn't my money reflecting in my account yet?

    Payments may take one to four business days to reflect in your account, depending on your bank. You may expect delays on public holidays and weekends. Check that the correct bank details are saved on your Money Message business profile. For help with changing your details, reply with 'i' in the chat to request agent support.

  • How do I scan a QR code to pay with Money Message?

    Money Message can be used to scan and pay the Masterpass QR code on your Money Message bill, or to scan a Snapscan QR code for payment. Currently, we are not supporting Zapper QR codes.To make payments with Money Message, simply take a photo of the QR code in the WhatsApp chat and upload it. Check that the photo is taken in good lighting and that it's not blurry. You'll be asked how much you'd like to pay if the amount wasn't included with the information of the QR code, as well as which card you'll be using for the payment.

  • Why can't my card be linked to my Money Message profile?

    Check that your card is activated for online payments with the respective bank. Currently we only accept cards that are issued by South African banks.

  • How many cards can I link to my Money Message profile?

    You can load as many cards as you'd like and delete expired cards or cards you no longer want to use. Name your cards to help you use the correct cards for payments.

  • Do I need to have a Nedbank bank account to use Money Message?

    You can add any South African bank account to receive payments and any South African Visa or Mastercard card to pay with Money Message.

  • Do I need to be a South African citizen to use Money Message?

    Money Message can be accessed by foreign citizens with a valid passport and a South African bank account and card.

  • Can I use Money Message without a connection to the internet?

    Because Money Message works in WhatsApp, you'll need data and an internet connection. Fortunately transactions through Money Message are light on data. Please check with your network provider for options to use WhatsApp with less data costs.

  • What is the monthly subscription fee for Money Message?

    Money Message isn't a subscription service and you can stop using it whenever you want to by simply replying with 'Da' in the chat. You'll be guided to delete your Money Message account.

  • How do I unsubscribe?

    You won't be charged anything if you stop using Money Message and simply keep it on your cellphone in case you need it in future.

  • I started a transaction but didn't complete it. Now what?

    If you want to cancel a transaction, reply with C to cancel in the chat. If you want to edit any information on a transaction, reply with E to edit. You can also send Hi to start a chat and M to go to the main menu.

  • How do I cancel a transaction?

    Reply with C in the chat to cancel a transaction.

  • How do I edit a transaction?

    If you want to edit any information on a transaction, reply with E to edit in the chat.

  • Can a merchant have more than one account with Money Message?

    A merchant can only have one account associated with their ID or passport number as they will need to go through a light KYC (Know your customer) process to be able to register and use Money Message to get payments.

  • What is Masterpass?

    Masterpass by Mastercard makes online payments safer by storing all payment information in one highly secure place. It helps you pay faster online when your card details are saved, so Money Message chooses Masterpass for your convenience and security.

  • How much does it cost to send a bill?

    It costs R2 to create a bill and we charge 2.75% on the Merchant Service Commission fee. Fees are deducted before payments are made to a merchant’s linked account.

  • How much does a card transaction cost for the merchant?

    The Merchant Service Commission fee is 2.75%. Fees are deducted before payments are made to a merchant’s linked account.

  • What is the maximum amount that can be billed in a month?

    The maximum amount that can be billed currently is R50 000.00

  • Is Money Message a scam?

    Money Message is a Nedbank product. Nedbank is a registered financial services provider.

  • Why can't I delete my cellphone number?

    Money Message uses your cellphone number as your unique account number in the same way WhatsApp does. If you want to change your cellphone number, reply with i to request agent support.

  • What is the maximum amount that can be transacted in a day?

    There’s no daily maximum amount, but bills are restricted to a maximum amount of R4 000 each and a total of R50 000 per month.

  • How much does it cost to use Money Message to make payments?

    It’s free to pay a bill or use a QR code.

  • How do I pay a QR code on a bill?

    Take a screenshot of the QR code on the bill and reply with Mp from the main menu to make a payment. You can then choose Pq to pay using a QR code. You’ll be asked to upload a photo of the QR in the chat and choose the bank card you want to use for the payment.

  • What kind of cards can be linked to Money Message?

    You can add any South African Visa or Mastercard card to make a payment with Money Message. American Express, Diners Club and International cards are currently not accepted to make payments.

  • What phone and operating system do I need to use Money Message?

    You’ll need a smartphone with an up-to-date operating system and the latest version of WhatsApp. If your phone is too old for the latest versions, you’ll run into trouble using Money Message.

  • What kind of QR codes can be paid with Money Message?

    Money Message can be used to scan and pay the Masterpass QR code on your Money Message bill, or to scan a Snapscan QR code for payment. Currently, we are not supporting Zapper QR codes.To pay a QR codes reply with Mp from the main menu to make a payment, and with Pq to pay using a QR code. You’ll be asked to upload a photo of the QR in the chat and choose the bank card you want to pay with.