At RCS, we believe that collaboration with our retail partners is more than just a technical solution or product. It’s an experience that integrates people, processes and technology while creating opportunity. We believe that by working together, extraordinary things can be achieved.
Together, we create value for our partners, their customers and ourselves by combining competence and enthusiasm to form a successful business model. We are committed to providing our retail partners with expertise in financing, operating, managing and promoting successful credit programmes. We also offer these solutions when it comes to operations, IT, call centres, risk management and financial marketing.
We understand the retail sector, and apply our extensive knowledge and experience of credit and customers to provide retail credit solutions that are not only relevant to consumers, but which also provide growth opportunities for our retail partners. With key competencies in credit, retail store cards, personal cash loans and retail finance, we pride ourselves on delivering unique solutions to achieve the specific requirements of each retail client.
As the largest provider of outsourced retail credit programmes in South Africa, we make it our business to constantly review our way of working with our partners to ensure our credit solutions are relevant to their environment and drive their business growth objectives.
The RCS range of lifestyle financial solutions includes cards, loans and insurance products, which offer our customers a simple and convenient way to fund their lifestyle requirements.
The RCS Card provides access to the largest independent shopper network in South Africa. With over 25 000 stores and a growing customer base of over 1 million active cardholders, you can rely on RCS to give your customers the best shopping experience imaginable. Look to us for the skill and the expertise to help your business grow.
The RCS Card is issued to customers in retail stores, and has credit limits ranging from R1,000 to R40,000.
Private Label Programmes
Our Private Label programmes include both a branded card and a retail loan product
Cards – a branded, closed loop credit product offered to retailers
Retail Loan – a branded loan that provides customers with access to finance for higher ticket items, and where the loan amount is settled directly with the retailer
Our Private Label portfolio currently includes Game, Dion Wired, Makro, Builders, Queenspark, Tekkie Town, Spitz, Kurt Geiger, Green Cross, Carvela, Cotton On, Typo and Factorie.
Our Co-Branded programmes include both a branded card and a retail loan product.
Cards - A branded credit product that leverages the customer’s affinity with the retail brand, and provides the customer with access to the broader RCS network of over 25 000 stores
Retail Loan – A branded loan that provides customers with access to finance for higher ticket items, and where the loan amount is settled directly with the retailer
Our Co-Branded portfolio currently includes Cape Union Mart, Old Khaki, Poetry, Tread + Miller, Galaxy, NWJ, Coricraft, The Busby Group (VIP Fashion Store Card), Verimark, Supa Quick, Sunglass Hut and Contempo.
The benefits of partnering with RCS:
Over R1 - billion credit available
Ability to attract a new market to your stores
Marketing opportunities to the existing cardholder base of more than 1 million active cardholders
Exposure in RCS marketing campaigns
Incremental turnover with no risk