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What is ACID SmartMula and how do I use it?
ACID SmartMula is a platform that allows you to make payments or get paid through The ACID SmartMula portal. ACID SmartMula is powered by Nedbank to ensure secure transactions.
Do I need to be a South African Citizen to use ACID SmartMula?
For our Beta launch, we accept South African ID, Foreigner ID, Valid Passport or Asylum Papers
Can I use ACID SmartMula with no internet?
ACID SmartMula works on WhatsApp so will require data and internet. WhatsApp is light on data when transacting on ACID SmartMula as we do not send any video or audio files. Check with your network provider as some do over WhatsApp with no data costs.
What is a SmartMula Virtual Card
Virtual Card is a completely digital bank card which is accessible on your phone. It a simple, fast & convenient way to pay for online purchases from websites and apps that accept Mastercard or Visa cards. It is a secure card that you download on your Smart Phone and is linked to your secure online wallet. It can’t get lost or stolen and does not take up space in a wallet. If you loose your phone you can simply download a new card on your new phone.
How do I receive a ACID SmartMula Virtual Mastercard?
Simply activate your virtual card on you SmartMula portal. It’s free to download and use, and there are no virtual card fees. And because the card is stored in the app, it is safer than a physical card and you don’t have to visit a branch to fetch it.
Where can I use the Virtual Mastercard?
You can use your SmartMula card to do online shopping (without having to compromise your physical card's details) as you would with your physical card. You can withdraw cash at an ATM, pay your bills online. You can also select your SmartMula virtual card to make QR payments using scan to pay on your SmartMula app at retailers. Even our bigger retailers such as Checkers, Shoprite and Pick n Pay now offer this payment option.
How can I sign up?
Simply save ACID SmartMula's phone number 081 589 8282 as a contact on your phone and start a chat in WhatsApp with us by saying "hi"
Do I need WhatsApp on my phone?
ACID SmartMula works on WhatsApp so yes you will need to download and register Whatsapp on your phone, but no other apps are needed.
Why do I need to take a photo with a thumbs up?
We need to verify you are who you say you are by doing basic KYC (Know your customer) in compliance with financial regulations in South Africa. We match your photo on your ID or Passport with your selfie to ensure no one is trying to steal your identity.
My photo gets an error when I upload it?
Please check that you are taking a photo with your phone and not trying to upload a photo from somewhere else or take a photo from a photo. Your thumb will need to be in a "thumbs up" position close to your face as proof that it is a "live" photo. Try to take the photo on a blank wall with good lighting.
Do I need to have money in my ACID SmartMula Wallet before I can start transacting?
Before a payment or purchase can be made, you are required to have a minimum available balance of R50,00 on your ACID SmartMula wallet
Is there a ACID SmartMula app I can download?
ACID SmartMula works on WhatsApp. You will only need to download and register WhatsApp on your phone, save the ACID SmartMula number 081 589 8282 to your contacts and start a chat with us to start using the service.
Do I need to have a Nedbank bank account to use a ACID SmartMula?
No, you can add any South African bank account to receive payments and any South African Visa or Mastercard card to pay with ACID SmartMula.
Is there a limit to the amount I can transact through ACID SmartMula
Yes, there are daily and monthly limits for maximum transactions limits. Please check limits here
Do I need a smartphone?
ACID SmartMula works on WhatsApp so will require data and internet. WhatsApp is light on data when transacting on ACID SmartMula as we do not send any video or audio files. Check with your network provider as some do over WhatsApp with no data costs.
My card does not want to 'load'?
Please check that your card is activated to be used for online payments with the respected bank. Currently, we only accept cards that are issued by South African banks.
How many cards can I load?
You can load as many cards as you want and delete the cards you no longer want to use or have expired. Tip: name your cards to ensure you use the correct cards making payments.
What are the monthly subscription fees to use ACID SmartMula?
ACID SmartaMula is not a subscription service and you can simply stop using it, but if you'd like to deregister reply 'DA' to delete an account in the chat.
I want to unsubscribe
There is no harm staying on the system as you are not charged anything if you don't use it. If you would still like to be removed, replay 'DA' to delete the account in the chat.