Country addendum
South Africa terms.
Effective 2026-05-01. Read alongside the master Terms of Service and the Data Processing Agreement.
This addendum captures the country-specific regulator, licensing, and data-protection references that apply to use of the Vantage platform in South Africa. It does not replace the master Terms; in case of conflict, this addendum prevails for South Africa processing only.
- Data protection regulator
- Information Regulator (South Africa)
- Protection of Personal Information Act 2013 (POPIA)
- Financial regulator
- South African Reserve Bank (SARB) Prudential Authority + Financial Sector Conduct Authority (FSCA)
- Agriculture and commodity oversight
- Department of Agriculture, Land Reform & Rural Development (DALRRD), National Agricultural Marketing Council (NAMC)
Country-specific terms
- Partner banks register an Information Officer with the Information Regulator. Vantage supports the s.55 reporting obligation.
- From 2026 onwards card and e-money issuance moves under SARB's activity-based payment-institution framework (draft 3 March 2025); the partner subscription identifies the licensed counterparty.
- Cross-border transfers require a documented s.72 assessment — POPIA Guidance Note on Transborder Flows remains in draft as of May 2026 with no formal adequacy decisions.
- South Africa exited the FATF grey list at the October 2025 plenary.