Gust Pay

An app that enables convenient and secure mobile payments.

Impact Local
  • Category Banking/Finance
  • Location Cape Town, South Africa


Gust Pay provides customers with a convenient and secure app to make payments via mobile phone. Cash or credit card information is not required at the point of sale.


Challenge – Electronic payments via debit and credit cards have reduced the need to carry large amounts of cash. Debit and credit cards are expedient as countless merchants accept them as payment. Credit and debit cards may be used when traveling abroad or right at home via your computer or mobile device. In spite of their efficiency, debit and credit cards are quite susceptible to fraud and theft. Anytime your card leaves your hand, your information could be stolen. While online, malicious software has been and continues to be used to pilfer personal and private information. In South Africa financial losses from a variety of credit card fraud increased by 53% between 2010 and 2011. As a direct response to credit card fraud, Gust Pay created and produced an app that is simple to use and does not require the exchange or any information whatsoever. Solution – Gust Pay created and produced an app that enables users to disburse payments for goods and services without the exchange of cash or credit card information. Once the app download is complete, the user is able to transfer money from his debit account or credit cards to his mobile wallet. At the point of sale, the participating merchant and user devices locate each other electronically and the merchant can then proceed to charge the customer for their purchase. The customer reviews the order on his device and then completes the transaction. Transactions occur seamlessly over Wi-Fi connection without the exchange of cash or credit card information. As an added bonus, Gust Pay features the “Gust Finder” tool. The valuable accessory allows users to find participating local vendors. Consumers can also purchase event tickets via this feature. This is one app that will quickly and easily garner attention beyond South Africa. Additional Notes: Gust Pay is currently available on iPhones and Android devices and it is currently free. Impact: Gust Pay is currently focused in South Africa and so we give it a “Local Impact” rating.