VALR Pay: Shop to Stack Promotion
Shop with VALR Pay and earn crypto.
Use VALR Pay for your everyday purchases and earn rewards in crypto or xStocks when you spend. Stand a chance to earn up to 2.5% cashback on any purchase made at participating retailers during the promotion period.
You can pay with VALR at over 31,000 Zapper-enabled stores and 700,000 Scan to Pay nationwide and at participating online merchants through Peach Payments and Ozow. This includes leading retailers, restaurants, fuel stations, and eCommerce platforms such as Pick n Pay, Clicks, Dis-Chem, Engen, Shell, Spur, Wimpy, Seattle Coffee, FlySafair, Makro, and many more.
Please note that not all franchises have Zapper or Scan to Pay enabled. When paying at these locations, ask to pay using Zapper, Scan to Pay, or via QR payment. If they don’t support any of these options, unfortunately you won’t be able to pay with VALR.
Simply pay with VALR Pay using ZAR, USDT, USDC, or any supported cryptocurrency on VALR during the promotion period. Eligible purchases will earn rewards paid out in crypto or xStocks, helping you stack more with every payment.
While the discount won’t be applied automatically at checkout, you will receive a rebate in USDT within 7 days after the promotion period has ended.
Promotion Details:
Duration:
00:00 UTC, March 9th, 2026, to 23:59 UTC, August 31st, 2026 (“Promotion Period”).
The Promotion consists of the following monthly rounds:
Round 1: 9 March 2026 - 31 March 2026
Round 2: 1 April 2026 - 30 April 2026
Round 3: 1 May 2026 - 31 May 2026
Round 4: 1 June 2026 - 30 June 2026
Round 5: 1 July 2026 - 31 July 2026
Round 6: 1 August 2026 - 31 August 2026
How It Works:
Use VALR Pay during the Promotion Period and receive 2.5% cashback on eligible, successfully settled purchases, paid out in xStocks and/or crypto, up to R2,500 per user per monthly round. Cashback is subject to the applicable monthly reward pool cap.
You can pay through VALR Pay in ZAR or any of the supported currencies available on VALR at the time of payment.
Supported Cryptos:
You can pay using ZAR or choose any cryptocurrency available on VALR.
How to Get Started:
Online:
Visit any website that accepts VALR Pay or that allows payments via Zapper, Scan to Pay, Peach Payments and/or Ozow.
Add your items to the cart.
Choose “Pay with Crypto” at checkout (where applicable) and select VALR as the wallet you want to pay with or use the scan QR code on VALR Pay to scan the QR code on screen.
Follow the on-screen payment instructions to complete your purchase.
To access the complete list of merchants where VALR Pay can be used, please visit the MoneyBadger page.
In-Person:
Select the items you wish to purchase at the participating store.
Once the cashier has scanned your items, ask to “pay with QR code”.
Open your VALR mobile app and click on the "Pay" button on the homepage.
Click on the QR Scan sign between the Receive and Pay options.
Scan the presented QR code displayed at the counter.
Confirm the payment amount and click on "Pay now".
You will then receive a notification that the payment has been successfully processed.
Only successfully processed and settled transactions qualify. Transactions that are reversed, refunded, disputed, or charged back will not qualify.
Promotion Ts & Cs (“Rules”):
This promotional campaign (“Promotion”) is run by VALR Pty Ltd (“VALR”).
This Promotion may be used in conjunction with other VALR competitions or promotions, except where the terms of such other promotions prohibit or exclude participation in this Promotion.
The Promotion period (“Promotion Period”) begins at 00:00 UTC, March 9th, 2026, to 23:59 UTC, August 31st, 2026 (“closing date”).
There is no need to register for this Promotion. All successfully settled VALR Pay transactions during the Promotion Period will be eligible for the cashback reward, subject to these rules.
There are 6 monthly rounds within the Promotion Period:
00:00 UTC, March 9th, 2026, to 23:59 UTC, March 31st, 2026
00:00 UTC, April 1st, 2026, to 23:59 UTC, April 30th, 2026
00:00 UTC, May 1st, 2026, to 23:59 UTC, May 31st, 2026
00:00 UTC, June 1st, 2026, to 23:59 UTC, June 30th, 2026
00:00 UTC, July 1st, 2026, to 23:59 UTC, July 31st, 2026
00:00 UTC, August 1st, 2026, to 23:59 UTC, August 31st, 2026
This Promotion is available to new and existing VALR customers that reside in South Africa and have completed full account verification (KYC2).
Rebates will be distributed within 7 South African business days after each monthly round during the Promotion Period.
VALR makes no representations or warranties regarding the cashback rewards, including but not limited to their fitness for a particular purpose or customer.
VALR reserves the right to determine cashback rewards and reward recipients in its sole and absolute discretion, subject to these rules.
Rewards may amount to zero where applicable caps are reached or where transactions are disqualified in terms of these rules.
Eligibility:
This Promotion is available to new and existing VALR customers residing in South Africa, who have completed full account verification (KYC2) (“Particiant(s)”).
Eligible Currency:
You can pay using ZAR or choose any cryptocurrency available on VALR at the time of payment.
How to Participate:
Online:
Visit any website that accepts VALR Pay or that allows payments via Zapper, Scan to Pay and/or Peach Payments.
Add your items to the cart.
Choose “Pay with Crypto” at checkout (where applicable) and select VALR as the wallet you want to pay with or use the scan QR code on VALR Pay to scan the QR code on screen.
Follow the on-screen payment instructions to complete your purchase.
To access the complete list of merchants where VALR Pay can be used, please visit the MoneyBadger page.
In-Person:
Select the items you wish to purchase at the participating store.
Once the cashier has scanned your items, ask to “pay with QR code”.
Open your VALR mobile app and click on the "Pay" button on the homepage.
Click on the QR Scan sign between the Receive and Pay options.
Scan the presented QR code displayed at the counter.
Confirm the payment amount and click on "Pay now"
You will then receive a notification that the payment has been successfully processed.
Only successfully processed and settled transactions qualify. Transactions that are reversed, refunded, disputed, or charged back will not qualify.
Rewards Specifics:
2.5% Cashback, up to R2,500 worth of xStocks and/or crypto per month:
Participants will receive 2.5% cashback on eligible purchases made during each monthly round, capped at R2,500 per Participant per monthly round.
The total cashback reward pool for this Promotion is capped at the USDT equivalent of R50,000 per monthly round.
Cashback won't be applied automatically at checkout. Eligible Participants will receive a rebate in xStocks and/or crypto in their respective VALR wallet within 7 South African business days after the end of each monthly round during the Promotion Period.
If the monthly reward pool is depleted before the end of a monthly round, no further cashback will accrue for that round. Rewards will be calculated based on successfully settled transactions on a first-come, first-settled basis.
The specific xStock(s) and/or cryptocurrency used for cashback distribution will be determined by VALR in its sole and absolute discretion.
Rebates apply only to purchases made by the Participant during the Promotion Period.
Users may participate in multiple monthly rounds.
VALR reserves the right to reverse, claw back, or adjust any cashback rewards where a transaction is refunded, reversed, found to be invalid, or where a Participant is found to have breached these Rules.
Personal information:
Any personal information provided to VALR by a Participant for purposes of this Promotion will be treated in accordance with VALR’s Privacy Policy.
The nitty gritty:
1. The Promotion is open to all VALR customers, except VALR’s directors, partners, employees, contractors, agents, consultants and their immediate families, any designated market makers as well as any persons resident in VALR’s list of prohibited countries.
2. Participation by all Participants constitutes acceptance of these Rules, VALR’s Terms of Service and Risk Disclosures. By entering the Promotion, you represent and warrant that you meet the eligibility criteria and you agree to accept that VALR may make decisions relating to this Promotion in its sole and absolute discretion and further that any decision made by VALR in terms of these Rules and the Promotion as final and binding including but not limited to any decisions regarding rewards, the reward pool and reward payouts. Any Participants found violating this clause will be removed from the Promotion and VALR may freeze or block such Participant's VALR account.
3. For the purposes of this Promotion, each day will be considered to run from 00:00 - 23:59 UTC.
4. VALR reserves the right at any time in its sole and absolute discretion to determine and/or amend or vary the Rules and the Promotion without prior notice, including but not limited to cancelling, extending, terminating or suspending the Promotion, the Rules, the rewards, the reward parameters, the reward pool, the eligibility terms and criteria, the selection and/or number of rewards or winners.
5. VALR reserves the right, in its sole and absolute discretion, to disqualify any Participants from participating in the Promotion, suspend their accounts, revoke all associated rewards, and/or disqualifying specific trades:
5.1. Where VALR finds the Participant to be party to any anticipated, suspected or actual:
Fraud;
Fraudulent registration, including providing false identity verification (KYC) information, using others’ KYC details, or registering multiple accounts;
Inappropriate, dishonest or abusive activities, including but not limited to click farming, device farming, or using malicious tools for fraudulent purposes;
Use of fake or fraudulent accounts;
Manipulation or violation of these Rules, VALR’s rules, VALR’s policies, campaign terms, conditions or announcements (as updated from time to time); or
Market manipulation, self-dealing, wash trading, laundering trades or illegally bulk registered accounts; or
Breach of local regulatory requirements; or
Any other activities with the intent or result of abusing, disrupting, or undermining the legitimate operation of the Promotion, as determined by VALR.
5.2. For any other reason as determined by VALR.
6. If you are selected as a reward winner, you agree and consent to VALR publishing your name, your VALR reference number / tag and/or social media handle on VALR’s social media pages, and VALR may make media announcements, publications of names, photographs of any reward winner(s), provided that any reward winner(s) may expressly elect to decline this.
7. VALR will announce on its social media pages when the Promotion has ended. No further rewards will be awarded once VALR has made such an announcement. The Participant should visit VALR’s social media pages regularly for updates.
8. These Rules will be governed and interpreted in accordance with South African law and any disputes arising from the Promotion will be subject to the exclusive jurisdiction of the courts of South Africa.
9. Rewards are non-transferable, non-exchangeable and may not be sold, bartered, gifted or substituted, except at VALR’s sole and absolute discretion. VALR reserves the right to substitute a reward of equal or greater value if necessary.
10. VALR is not responsible for any lost, delayed, misdirected, incomplete, corrupted or malfunctioning entries, payments, transactions, or communications, including those caused by network, system, device, or third-party failures.
11. Cashback Reward winners will be decided at random by VALR in its sole and absolute discretion. VALR makes no representations or warranties regarding Cashback Rewards, including but not limited to its fitness for a particular purpose or customer.
Disclosure:
Trading or investing in crypto assets is risky and may result in the loss of capital as the value may fluctuate.
VALR (Pty) Ltd is a licensed financial services provider (FSP #53308).
Please refer to VALR’s full set of risk disclosures found here.
Waiver
The Participant hereby releases, waives and discharges VALR and its affiliates from any and all liability, costs or expenses, claims, demands, actions and causes of action whatsoever for any loss or damages, that may be sustained by the Participant arising out of or relating to the Participant’s participation in the Promotion, or while in any way engaged with activities related to the Promotion, wherever, whenever, or however the same may occur, regardless of who is at fault and including as a result of the negligence or fault of VALR or its affiliates.
Disclaimer
The Promotion and its content should not be construed as investment advice or an offer or an invitation to make an offer, to buy or sell crypto assets, or an inducement to enter into any agreement or commitment with VALR or any of its affiliates in respect to any products or services for any persons, including those who are prohibited from receiving such content under the laws applicable to their place of citizenship, domicile, or residence.
VALR and its affiliates give no warranty, express or implied, including with respect to the fitness for a particular purpose of any information provided, or assume any legal liability or responsibility for the accuracy, completeness or usefulness of any information, product, practice, service or process presented, or represent that its use would not infringe any rights. VALR accepts no responsibility for, and shall have no liability in respect of, any loss or damage, whether direct, indirect or consequential, which may arise from reliance on or in connection with, the information presented herein.
The Promotion content contained herein does not constitute investment or financial advice (or any advice whatsoever), should not be used as the basis for any investment or financial decisions, and does not purport to provide any legal, tax, or accounting advice.
All VALR's rights are expressly reserved.
