# Capitec payments: match on transaction ID, not the client reference

- Source-Date (SAST): 2026-07-08 10:51; claim-each-payment 2025-03-13 00:26-13:58
- From/To: Eric → sales (cc Cavin)
- Dest: IA
- Review-after: 2027-08-31
- Status: current
- Source: company email (Archives/Internal Affairs), 2026-07-08 / 2025-03-13

## Facts

- Capitec ignores the reference the client typed and uses its own reference.
- The reference that lands in company banking is Capitec’s transaction ID.
- When a client says they paid from Capitec, match the pop against that transaction ID, not the client-chosen reference.
- If a Capitec payment does not appear after about 10 minutes, email Eric the proof of payment for a manual process.
- Capitec personal or business payments are meant to reflect instantly.
- The payment reference cannot be retrieved automatically; sales must claim each Capitec payment.
- Newly made quotations show the Capitec account details.