Payments and software
Compare Accounting Software for South African Businesses
Compare accounting plans, monthly prices and what is included. Software does not submit a VAT return for you.
Transaction fees, settlement arrangements and merchant eligibility depend on the provider and the agreement. Confirm the current price and the terms before you sign. Information checked 29 October 2026.
Compare providers
The provider name links to the WiT Money profile where one exists. The gold button opens the recorded website. It is not an application.
9 of 9 products, in provider name order. A missing price is not shown as zero, and nothing is ranked as cheapest. A filter matches the published line. It does not decide that you qualify.
Exact fees were not verified, so no price is shown as a confirmed current tariff.
- Pricing
- Confirm current South Africa plan pricing and promotions
- What the product page describes
- Cloud invoicing; expense tracking; reporting
Suited to. Growing businesses
Advantages
- Well-known cloud accounting ecosystem
Considerations
- Local pricing, VAT and integrations vary by plan
Notes checked 29 October 2026. Where a price says it excludes VAT, 15% is not added on the card. Where it says VAT is included, it is not added again.
- Pricing
- From R435/month incl VAT or R5,220/year incl VAT; optional extras This is a published snapshot, not a quotation.
- What the product page describes
- VAT; invoices; bookkeeping; 2-user base package
Suited to. Growing SMEs
Advantages
- SARS-relevant VAT workflow
- Multiple users
Considerations
- Add-on user and feature charges
Notes checked 29 October 2026. Where a price says it excludes VAT, 15% is not added on the card. Where it says VAT is included, it is not added again.
- Pricing
- From R240/month incl VAT or R2,880/year incl VAT per official pricing This is a published snapshot, not a quotation.
- What the product page describes
- Invoices; bank reconciliation; cloud bookkeeping
Suited to. Micro businesses
Advantages
- Local accounting support
- Published ZAR price
Considerations
- Entry plan less suited to advanced inventory or multiple users
Notes checked 29 October 2026. Where a price says it excludes VAT, 15% is not added on the card. Where it says VAT is included, it is not added again.
- Pricing
- R1,095/mo incl VAT until 31 Oct 2026; R1,195 from 1 Nov 2026 This is a published snapshot, not a quotation.
- What the product page describes
- Advanced Xero plan; check current tier entitlements
Suited to. Established businesses
Advantages
- Higher-tier feature set
Considerations
- Higher subscription cost
Notes checked 29 October 2026. Where a price says it excludes VAT, 15% is not added on the card. Where it says VAT is included, it is not added again.
- Pricing
- R795/mo incl VAT until 31 Oct 2026; R857 from 1 Nov 2026 This is a published snapshot, not a quotation.
- What the product page describes
- Cloud bookkeeping; invoicing; reporting
Suited to. Growing firms
Advantages
- Broader SME features
Considerations
- Higher recurring cost
- Optional add-ons
Notes checked 29 October 2026. Where a price says it excludes VAT, 15% is not added on the card. Where it says VAT is included, it is not added again.
- Pricing
- R450/mo incl VAT until 31 Oct 2026; R485 from 1 Nov 2026 This is a published snapshot, not a quotation.
- What the product page describes
- Cloud invoicing; bank feeds; bookkeeping
Suited to. Small business
Advantages
- Local rand pricing
- Integrations
Considerations
- Plan limits
- Approaching price change
Notes checked 29 October 2026. Where a price says it excludes VAT, 15% is not added on the card. Where it says VAT is included, it is not added again.
- Pricing
- R0/mo; plan usage restrictions apply This is a published snapshot, not a quotation.
- What the product page describes
- Invoicing; expenses; basic accounting; 1 user + accountant
Suited to. Sole traders
Advantages
- Free entry plan
- Online features
Considerations
- Usage caps
- Limited advanced automation
Notes checked 29 October 2026. Where a price says it excludes VAT, 15% is not added on the card. Where it says VAT is included, it is not added again.
- Pricing
- R199/mo monthly or R165.83/mo annual billing, excl tax This is a published snapshot, not a quotation.
- What the product page describes
- Inventory; multicurrency; projects; 5 users
Suited to. Growing SMEs
Advantages
- More features than entry tier
Considerations
- Limits/add-ons
- Tax excluded
Notes checked 29 October 2026. Where a price says it excludes VAT, 15% is not added on the card. Where it says VAT is included, it is not added again.
- Pricing
- R99/mo billed monthly or R82.50/mo billed annually, excl tax This is a published snapshot, not a quotation.
- What the product page describes
- VAT features; bank feeds; invoicing; 3 users
Suited to. Small businesses
Advantages
- Local ZAR pricing
- VAT-related features
Considerations
- Plan limits and additional paid services
Notes checked 29 October 2026. Where a price says it excludes VAT, 15% is not added on the card. Where it says VAT is included, it is not added again.
Compare selected products
Choose up to three. Prices are sentences from different tariffs, so they are not ranked.
No products selected.
Not shown as a current product
- Wave. Wave Accounting. Confirm with the provider before treating it as available.
- KashFlow. KashFlow Accounting. Confirm with the provider before treating it as available.
- Manager.io. Manager Accounting. Confirm with the provider before treating it as available.
Estimate the software cost
The standard VAT rate used here is 15%. It is added only when you tick the box. A price that already includes VAT should not be ticked.
How to read this comparison
Sage, Xero and Zoho prices are the published plan lines, including the dates and the VAT wording on each line. A price that includes VAT is not increased again. A price that excludes tax is not treated as the VAT-inclusive amount. QuickBooks has no confirmed South African plan price on this page.
Invoicing, a bank reconciliation and a VAT report are software features. They are not a bookkeeper and not a SARS submission. Add-ons and user limits are not assumed away.
How WiT Money compares these products
Products stay in provider name order. A gateway fee, a device price, a till subscription, an accounting plan and a payroll charge are not sorted against one another. Nothing is ranked as the cheapest. A listed name is not a recommendation, and WiT Money does not sell the service. Where this site has the provider's logo, it is shown. Otherwise the name is shown without a mark.
Other payments and software pages
Sources
Page updated 29 October 2026. A source date is the day WiT Money checked that page, not a promise the institution has not changed it since.
- South African Reserve Bank
South African Reserve Bank · checked 28 October 2026
- Guide for employers in respect of employees’ tax (2027)
South African Revenue Service · checked 28 October 2026
- Information Regulator
Information Regulator of South Africa · checked 28 October 2026