Independent educational resource on the South African Multiple Option Settlement system.

SAMsamos.co.za RTGS · National Payment System

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Silo 1 — Fundamentals

What Does SAMOS Stand For?
A Complete History of SAMOS
How SAMOS Works
SAMOS Settlement Schedule
SAMOS Participants
What is SAMEX?
Settlement Finality in SAMOS
SAMOS Charges & Fees

Silo 2 — Ecosystem

South Africa's National Payment System
The Role of SARB
PASA Explained
BankservAfrica & SAMOS
STRATE Settlement
Payment Clearing Houses
Clearing vs Settlement
Sponsored vs Direct

Silo 3 — Comparisons

SAMOS vs PayShap
RTGS vs EFT
Real-Time Clearing
PayShap vs RTC vs EFT
Gross vs Net Settlement
DebiCheck & SAMOS
SADC-RTGS
CLS & the Rand

Silo 4 — Modernization

ISO 20022 in South Africa
RTGS Renewal Programme
SARB's PEM Programme
National Payments Utility
NPS Vision 2025 vs 2030+
Future of SA Payments

An independent educational resource explaining the South African Multiple Option Settlement (SAMOS) system and the wider National Payment System.

Fundamentals

What SAMOS Stands For
How SAMOS Works
SAMOS History
SAMOS Participants
SAMEX System

Ecosystem

National Payment System
PASA
BankservAfrica
STRATE Settlement
SADC-RTGS

Site

About
Contact
Disclaimer
Privacy
Sitemap

samos.co.za is an independent educational resource. It is not affiliated with, endorsed by, or operated by the South African Reserve Bank (SARB), the Payments Association of South Africa (PASA), BankservAfrica, or any settlement participant.

© 2026 samos.co.zaMade for finance students, fintech teams, and curious readers in South Africa.