Link your credit card to your SWAP Wallet

Once you’ve activated your SWAP Wallet, you can make your payment options much more flexible by linking your Visa or MasterCard credit card. Choose to pay from your SWAP Wallet balance or fromyour credit card any time you make a payment with SWAP – and have access to your existing VISA or MasterCard credit limit even when your card is safely at home.

Step-by-step guide to linking your credit card to your SWAP Wallet

  • Dial any SWAP Merchant’s SWAP Code.

  • When prompted for your PIN press Answer/Reply, type your PIN into the text entry field and press OK/Send.


  • You'll reach the payment screen of the SWAP Merchant whose SWAP Code you dialled


  • Press Answer/Reply and choose “SWAP” by typing 3 into the text entry field. Press OK/Send
    (If you’ve used the SWAP Direct Code, *130*1313# you’ll bypass this step and go straight to the SWAP screen.)


  • From the SWAP screen, press Answer/Reply and choose “My Wallet” by typing 1 into the text entry field.Press OK/Send.


  • From the My Wallet screen, press Answer/Reply and choose “Link Accounts” by typing 4 into the text entry field. Press OK/Send.

  • From the Link Accounts screen, press Answer/Reply and choose “Link a Credit Card” by typing 4 into the text entry field. Press OK/Send.


  • The next screen will remind you of the requirements for registering and linking a credit card. To continue, press Answer/Reply, press 1, then press OK/Send.


  • The following screen will ask you for your credit card number. To continue, press Answer/Reply.


  • Type your card number (no spaces) into the text entry field. Press OK/Send.


  • The next screen will ask you for the credit card expiry date. To continue, press
    Answer/Reply.

    Remember – if you get disconnected at any time, simply dial the SWAP Code again to pick up where you left off. It’s easiest to redial if the SWAP Code is already saved to your cellphone contact list.
  • Type the expiry date into the text entry field as four digits (e.g. 1108 for 11/08)
    Press OK/Send.

  • The following screen will ask you for the credit card CVV number (the last 3 numbers on the back of the card). To continue, press Answer/Reply. Type the CVV number into the text entry field. Press OK/Send.


  • The next screen will ask you to confirm the information you’ve entered. To continue, press Answer/Reply. Type 1 into the text entry field. Press OK/Send.


  • The following screen will ask you to enter your 13 digit South African ID number. To continue, press Answer/Reply. Type your ID number (no spaces) into the text entry field. Press OK/Send.


  • For authentication purposes, SWAP will process the information you have submitted. You will either receive an SMS asking you to contact the SWAP Customer Care Centre for manual authentication, or asking you to dial a SWAP Code enter the answers to two authentication questions directly from the authentication screen.

  • Congratulations! Once authentication is complete, the next time you dial a SWAP Code, you’ll be able to choose Pay from Credit Card. Remember, you won’t need to have the actual card with you.
SWAP Customer Care Centre - 0861 1179 27, Monday to Friday, 8.00 am to 5.00 pm and Saturdays, 8.00 am to 1.00 pm