Pay supplier invoices with pay-as-you-trade financing
Running a business means managing cash flow and keeping shelves stocked. But when cash flow’s tied up, Zapper Supplier Capital offers fast funding to pay supplier invoices and keep you trading without a hitch.
Designed for
South African
merchants
Whether you need to stock up for a large event or manage month-end expenses without cash flow interruptions, Supplier Capital ensures you can keep trading without compromise or headaches.
Pay suppliers directly and on time
Flexible repayment
No compound interest
Consistent product quality
Stronger supplier relationships
Why choose Zapper’s Supplier Capital business funding?
Many small businesses in South Africa struggle with cash flow, forcing them to use personal funds or delay stock purchases. Zapper Supplier Capital helps you get the stock you need, when you need it – without the stress of cash flow limitations.
Instant supplier payments
Invoices are settled within 24 hours directly with your suppliers.
Flexible repayment terms
Repay automatically through a percentage of your daily Zapper sales
Affordable and transparent
No hidden fees, with premiums starting at just 5%.
How does Zapper’s Supplier Capital work?
Repayments are automatically deducted as a small percentage of your daily Zapper sales, ensuring that repayments adjust with your revenue.
The standard repayment term is 30–60 days, so you don’t need to worry about fixed monthly debt.
Submit your invoices
Email quickcapital@zapper.com with:
- Business name
- Merchant ID
- Owner’s name and contact details
- Supplier invoice(s) attached
Approval process
We review your application and provide a financing quote.
Confirm acceptance
Approve the terms.
Payment processing
We pay the supplier directly and send proof of payment.
Repayment
A percentage of your daily Zapper transactions will go toward settling the owed amount.
Frequently asked questions about Zapper’s Supplier Capital
Supplier FAQs
Zapper pays you upfront for approved merchant invoices, improving cash flow and removing credit risk. You get paid within 24 hours, while Zapper collects from the merchant over time.
- Paid within 24 hours
- Zero collections required
- Retain customers and grow order volume
- Access Zapper’s growing merchant base
- <30 days = 2.5%
- 30–60 days = 3.5%
- 60 days = 5%
You’ll sign a Non-Disclosure Agreement (NDA) and a collaboration agreement with settlement discount and affiliate terms.
You send your merchants a one-pager or use an invoice with a Zapper QR. Zapper handles approvals, payments, and collections.
You’ll receive a proof of payment via email within 24 hours of merchant approval.
Yes. Zapper will onboard referred merchants, and you may receive affiliate incentives.
Yes. Limits depend on Zapper’s exposure risk appetite and merchant eligibility.
Zapper Merchant FAQs
Zapper pays your supplier upfront, and you repay Zapper over time based on your sales. No interest, no collateral.
No. Instead, a fixed premium (5% to 10%) is applied based on your chosen repayment term (7 to 60 days).
A percentage of your daily Zapper sales is automatically deducted until the amount is repaid.
Repayment terms range from 7 to 60 days. Larger amounts or longer terms may be redirected to Zapper Quick Capital.
Send your supplier’s invoice to suppliercapital@zapper.com or, in future, upload it via the Merchant Portal or scan a QR on the invoice.
Most applications are processed within 1 business day, depending on your eligibility.
Within 24 hours of your approval.
Daily settlement reports and monthly statements are sent to your email. Future tracking via the Zapper Merchant Portal & App.
Yes. Each invoice is reviewed individually based on your credit limits.
Yes. Approval depends on your standing and available credit.
Yes. Premiums and repayment periods vary by invoice.
Yes, subject to Zapper’s group risk exposure policies.
Non-Zapper Merchant FAQs
Yes, but you’ll need to onboard as a Zapper merchant first.
Access to payments, vouchers, rewards, Quick Capital, and Supplier Capital in one ecosystem.
No. Once you’re a registered business with 3 months of Zapper activity (R5,000+ (value) and 10+ (volume) transactions/month), you’re eligible.
Yes. They get paid upfront and retain your business.
Yes. You or your supplier may benefit from onboarding incentives.
Enquire now
If you’re a Zapper merchant or a supplier who’d like to join our partner network of preferred suppliers, please fill in your details below and we’ll get in touch soon.
