With Luno Pay, available in South Africa only, you can use crypto to buy groceries at any Pick n Pay store or scan the QR code to pay for goods and services anywhere Zapper payments are available. You can also use Luno Pay at any online merchant supporting crypto payments with Stitch or FiveWest.
How to make your payment
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Check to see if there’s a Zapper QR code to scan. At Pick n Pay, ask the cashier for the Contactless QR payment option or select it yourself on the point-of-sale device
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On the Luno app, open your Home screen and select More
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Choose Scan
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Scan the QR code
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Review or enter the amount to be paid. Depending on the merchant, you may be asked to specify the payment amount or add an optional tip or a custom reference
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Select the crypto wallet you’d like to pay from (if you have more than one with sufficient balance)
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Enter your Luno PIN
Get up to 10% back in USDTFrom 22 April to 31 October 2025, use Luno Pay at any Zapper-enabled merchant to get USDT paid back to you. If you pay with your Tether (USDT) wallet, you'll get back 10% of your purchase in USDT. If you pay with any other crypto wallet, you'll get 5% back in USDT. NoteYou must spend a minimum of R100 to qualify, and your reward will be capped at USDT 50.00 per 30-day rolling period. Read the the full Terms and Conditions. Our previous campaign with Pick n Pay concluded on 30 April 2025. You can continue using Luno Pay at Pick n Pay, but it is not a Zapper-enabled merchant so does not qualify for this promo. |
Which stores or restaurants have Zapper?
Zapper is supported by over 31,000 businesses throughout South Africa, so you can use Luno Pay to spend crypto at any of the merchants on this list.
Here are some of the most popular Zapper-supported merchants where our customers have been using Luno Pay so far:
- Dis-Chem
- Spur
- Mugg and Bean
- Wimpy
- One Day Only
- Total garages
- Spar
- Flysafair
- Yuppiechef
- Ocean Basket
Frequently asked questions
Most of the cryptocurrencies 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.
Making a payment with Luno Pay will take around the same amount of time it would take to pay with a credit card. Don’t worry, you won’t need to stand around 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.
Luno currently doesn’t charge any service fee for these payments.
The maximum transaction amount is R100,000. The maximum transaction amount for Pick n Pay payments is R9,999.99.
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.
Tip
You can read more on the SARS Crypto Assets & Tax page.