Fundamentals
What Does SAMOS Stand For?
Full form, meaning, and why each word in the acronym matters.
Read articleSAMOS Fundamentals
Start here: what SAMOS is, where it came from, and how it actually moves money.
Fundamentals
A Complete History of SAMOS
From 1998 launch to ISO 20022 — the milestones that shaped today's system.
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Fundamentals
How SAMOS Works (Step by Step)
Follow a single payment from a bank's core system to final settlement.
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Fundamentals
SAMOS Settlement Schedule
Operating hours, settlement windows, and cut-offs through the day.
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Fundamentals
SAMOS Participants
Who is on the platform, how many participants there are, and how the list evolves.
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Fundamentals
What is SAMEX?
SARB's front-end interface to SAMOS, explained for newcomers.
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Fundamentals
Settlement Finality in SAMOS
Why irrevocable settlement matters — and how the law protects it.
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Fundamentals
SAMOS Charges & Participation Fees
How participation is priced and what drives volume-based discounts.
Read articleSAMOS in the National Payment System
Zoom out: who governs, who clears, who settles, and how the pieces fit.
Ecosystem
South Africa's National Payment System
An overview of the country's payment architecture and SAMOS's place in it.
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Ecosystem
The Role of SARB in Payments
Operator, regulator, settlement agent — how SARB plays every role.
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Ecosystem
PASA Explained
The Payment Association of South Africa: what it does and why it matters.
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Ecosystem
BankservAfrica & SAMOS
How Africa's largest clearing house and SAMOS work hand-in-glove.
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Ecosystem
STRATE Settlement & SAMOS
Securities settlement and the cash leg that flows through SAMOS.
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Ecosystem
Payment Clearing Houses (PCHs)
The SA PCH model and how PCH outputs land in SAMOS for settlement.
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Ecosystem
Clearing vs Settlement
The two concepts students mix up most — distinguished cleanly.
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Ecosystem
Sponsored vs Direct Settlement
How non-banks access settlement through sponsoring participants.
Read articleComparisons & Related Systems
Same job, different rails — how SAMOS compares to retail and instant-payment alternatives.
Comparison
SAMOS vs PayShap
Different problems, different rails — and where they meet.
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Comparison
RTGS vs EFT in South Africa
The plain-English guide to two systems most users confuse.
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Comparison
Real-Time Clearing (RTC) Explained
South Africa's pre-PayShap fast-payment service — and its future.
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Comparison
PayShap vs RTC vs EFT
Pick the right rail for the right job — a side-by-side guide.
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Comparison
Gross vs Net Settlement
The core concept that explains SAMOS's design.
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Comparison
DebiCheck and the SAMOS Connection
How authenticated debits clear — and where SAMOS comes in.
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Comparison
SADC-RTGS vs SAMOS
Regional rand settlement and how it bridges SADC central banks.
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Comparison
CLS & the South African Rand
Continuous Linked Settlement and the rand's place in global FX.
Read articleModernization & Future of SAMOS
Where SAMOS is going: ISO 20022, the RTGS renewal programme, and Vision 2030+.
Modernization
ISO 20022 in South Africa
The standard, the timeline, and what changes in SAMOS messaging.
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Modernization
The RTGS Renewal Programme
What's replacing the SAMOS we know today — and on what schedule.
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Modernization
SARB's PEM Programme
Payments Ecosystem Modernisation — the SARB's umbrella strategy.
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Modernization
National Payments Utility
The proposed shared infrastructure: scope, governance, and timing.
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Modernization
NPS Vision 2025 vs Vision 2030+
What changed between the two strategic frameworks.
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Modernization
The Future of SA Payments
2026 and beyond — the trends shaping the next decade of money movement.
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