Banking & Finance · Contact details
Tenacity Contact Details
The Tenacity switchboard number is 021 928 1000, and customer service can be emailed at customerservice@tenacityinc.co.za; for store card queries, call the line for your retailer, such as Pep on 0860 900 500 or Ackermans on 0860 900 100. Tenacity Financial Services, a division of Pepkor Trading (Pty) Ltd, runs the store credit card programmes for Pepkor retailers including Pep, Ackermans, Ayana, Refinery, Shoe City, Legit, Dunns and Tekkie Town.
Tenacity contact details at a glance
| Route | Details |
|---|---|
| Switchboard | 021 928 1000 (fax 021 928 1065) |
| Customer service email | customerservice@tenacityinc.co.za |
| Customer Service: Pep | 0860 900 500 / +27 21 493 7440 (international) |
| Customer Service: Ackermans | 0860 900 100 / +27 21 928 1040 (international) |
| Customer Service: Ayana | 0860 900 700 / +27 21 490 6184 (international) |
| Customer Service: Dunns | 0860 357 951 / +27 21 928 1050 (international) |
| Customer Service: Refinery | 0860 900 400 / +27 21 928 1044 (international) |
| Customer Service: Tekkie Town | 0860 558 555 / +27 21 928 1125 (international) |
| Customer Service: Legit | 0860 900 300 |
| WhatsApp: Pep account holders | 0860 737 000 |
| WhatsApp: Ackermans account holders | 0860 900 100 |
| USSD self-service: Pep | *120*3012# |
| USSD self-service: Ackermans | *130*602# |
| USSD self-service: Ayana, Dunns, Refinery, Tekkie Town, Legit | *120*27587# |
| Collections | 0860 992 222 / +27 21 928 1080 (international); fax 021 928 1100 |
| New accounts email | newbusiness@tenacityinc.co.za |
| Fraud Hotline | 021 928 1095 |
| Fraud email | fraud@tenacityinc.co.za |
| Recruitment email | recruitment@tenacityinc.co.za |
| Apply now | tenacityinc.co.za/apply-now/index.html |
Official Tenacity contact channels
Each retailer’s store card has its own customer service line, so use the number for the card you hold. Pep card holders call 0860 900 500, Ackermans card holders call 0860 900 100, and Tekkie Town card holders call 0860 558 555. The other lines are in the table above. From outside South Africa, use the international number next to your retailer.
Pep and Ackermans account holders can also use WhatsApp: 0860 737 000 for Pep and 0860 900 100 for Ackermans. For quick self-service on your cellphone, dial the USSD code for your card. The Ackermans code, *130*602#, is free of charge; the Pep code, *120*3012#, and the shared code for Ayana, Dunns, Refinery, Tekkie Town and Legit, *120*27587#, are charged at network rates.
General account questions and debit order requests go to customerservice@tenacityinc.co.za. Questions about opening a new account go to newbusiness@tenacityinc.co.za, and you can apply online through the Apply Now page on tenacityinc.co.za.
Note that the Tenacity website header shows a phone number, SMS number and email address that belong to a different company. Use only the numbers listed on Tenacity’s contact and account payment pages, as set out here.
What Tenacity provides
Tenacity has run the Pepkor group’s private-label store credit since April 2007. It operates in South Africa, Namibia, Eswatini and Botswana. If you have a store account at one of the Pepkor retailers, Tenacity is the credit provider behind it.
You can pay your instalment at any Ackermans, Ayana, Refinery, Tekkie Town, Dunns, Legit or Pep store, by EFT, at a cash-accepting ATM, through Ozow instant EFT, on your banking app using the pre-loaded beneficiary “Tenacity Financial Services”, or at Flash shops. Your payment reference is your 16-digit store card number.
Address and operating information
Tenacity does not publish a physical address or call centre hours on its contact page. It is a registered credit provider, NCRCP 13053, and states that it is an authorised financial services provider.
Support and escalation routes
If your account is in arrears, Collections has a separate line: 0860 992 222 from South Africa or +27 21 928 1080 from abroad. To report suspected fraud on a store card, call the Fraud Hotline on 021 928 1095 or email fraud@tenacityinc.co.za. For anything else, the switchboard is on 021 928 1000.
Tenacity does not publish a separate complaints line; start with your retailer’s customer service number or customerservice@tenacityinc.co.za. Job seekers can email recruitment@tenacityinc.co.za.
For other credit providers, browse the banking and finance hub or the banking directory S to U listings.
Frequently asked questions
What is the Tenacity contact number?
The switchboard is 021 928 1000. For store card queries, call your retailer’s line, for example Pep on 0860 900 500 or Ackermans on 0860 900 100.
What is the Tenacity email address?
Customer service is customerservice@tenacityinc.co.za. New accounts use newbusiness@tenacityinc.co.za, and fraud reports go to fraud@tenacityinc.co.za.
What is the Tenacity collections number?
Call Collections on 0860 992 222, or +27 21 928 1080 from outside South Africa.
What reference do I use to pay my Tenacity account?
Use your 16-digit store card number as the reference, whichever payment method you choose.
Sources
- Tenacity Financial Services, Contact us: tenacityinc.co.za/contact-us/, read 2026-09-25
- Tenacity Financial Services, Account payment: tenacityinc.co.za/account-payment/index.html, read 2026-09-25
- Tenacity Financial Services, Home page: tenacityinc.co.za/, read 2026-09-25