Pay with Luno at 30,000+ stores across South Africa.
Partners
Ask in any store that accepts Luno Pay for the QR code payment option or select “pay with crypto” during checkout online
Go to the Home screen in the Luno app, select More, and choose Scan
Confirm the details and complete the payment by selecting which crypto wallet to pay with
Simple to use and as fast as tapping a card
Available to use in thousands of stores throughout South Africa
Choose from the most popular cryptocurrencies
Pay with cryptocurrency without incurring additional fees
Your Luno app has been built to make paying with crypto as easy as booking a taxi, with clear guidance and a straightforward user experience you’ll love. Because crypto shouldn’t be cryptic.
We’re always there if you have any issues, with our customer support teams on the ground in all our regions ready and waiting to help with any questions you might have.
Luno protects your crypto, money, data and account with multiple layers of security, including deep-freeze storage and multi-signature hot wallets. So your crypto stays your crypto.
Any cryptocurrency available on Luno can be used with Luno Pay. You’ll see which options are available when you make a payment. This will vary depending on which of your crypto wallets have a sufficient balance to pay, as well as market conditions for each cryptocurrency.
You can use Luno Pay at a growing number of stores around South Africa in-person as well as online. This includes all Pick n Pay stores, and any merchants supported by our partners nationwide.
Making a payment with Luno Pay will take around the same amount of time it would take to pay with a credit card, usually quicker. Don’t worry, you won’t need to stand at the till waiting for blockchain confirmations.
No, you’ll be able to scan the QR code and make your payment successfully without having to enable crypto sends first.
We partner with service providers including MoneyBadger, Zapper, and Stitch to enable payments through Luno Pay. They make it possible for merchants to easily accept crypto and receive rands. For a step-by-step guide on how to use Luno Pay, visit our Help Centre article.
Luno currently doesn’t charge any service fee for in-store QR code payments. The minimum transaction amount is R1.00, and the maximum is R100,000.00. Some merchants may impose lower limits, such as a maximum amount of R9,999.99 at Pick n Pay. See Luno Pay terms.
The store would treat it as if you paid for the item in cash. In other words, you’d get the rand value back, not the crypto amount you paid. Their standard returns policy would also still be applicable here.
At the time of writing, SARS regards spending crypto for goods or services as a barter transaction, so the normal barter transaction rules would apply. Capital Gains Tax or Income Tax may apply, depending on your specific facts and circumstances. Please consult a tax professional if you need advice on this.