Payments and software
Compare Payment Gateways in South Africa
Compare South African payment gateway providers, transaction fees, supported payment methods, settlement times and website integrations. Understand the full cost of accepting payments online.
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.
11 of 11 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.
DPO Pay / PayGate
Online payment service. This page does not decide whether the firm acquires the card or only passes the payment on.
Exact fees were not verified, so no price is shown as a confirmed current tariff.
- Pricing
- Confirm South African pricing and contracting entity
- What the product page describes
- Online gateway; ecommerce integrations
Suited to. Online merchants
Advantages
- Broad payment gateway options
Considerations
- Product branding/entity and negotiated fees need checking
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.
- iKhokha. No official logo is shown.
iKhokha Online Payments
Online payment service. This page does not decide whether the firm acquires the card or only passes the payment on.
Exact fees were not verified, so no price is shown as a confirmed current tariff.
- Pricing
- Confirm online channel fees and payout terms
- What the product page describes
- Payment links; ecommerce acceptance (verify current features)
Suited to. Small merchants
Advantages
- Online and in-person potential
Considerations
- Merchant eligibility and channel charges need confirmation
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.
Netcash Payment Gateway
Online payment service. This page does not decide whether the firm acquires the card or only passes the payment on.
Exact fees were not verified, so no price is shown as a confirmed current tariff.
- Pricing
- Verify method-specific fee schedule
- What the product page describes
- Payment gateway; debit orders; collection and payout services
Suited to. SMEs needing collections
Advantages
- Collection and payment-service range
Considerations
- Contract and transaction complexity
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.
Ozow Standard
Online payment service. This page does not decide whether the firm acquires the card or only passes the payment on.
- Pricing
- Local cards from 2.85% (tiered, min R1); Pay by Bank 1.5% min R1; confirm VAT This is a published snapshot, not a quotation.
- What the product page describes
- Pay by bank; cards; Capitec Pay; next-day settlement listed
Suited to. Online stores
Advantages
- Several bank-payment methods
- Published standard rates
Considerations
- Different rates by payment method
- Minimum fee and tiers
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.
Payfast Aggregation
Online payment service. This page does not decide whether the firm acquires the card or only passes the payment on.
- Pricing
- Cards 3.2% + R2; Instant EFT 2% (min R2); pricing excludes VAT; payout R8.70 excl VAT This is a published snapshot, not a quotation.
- What the product page describes
- Online cards; Instant EFT; Capitec Pay; payment integrations
Suited to. Ecommerce SMEs
Advantages
- Published payment-method fees
- Broad local options
Considerations
- Flat fee increases effective cost of low-value card sales
- Payout fees
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.
- Paystack. No official logo is shown.
Paystack ZA
Online payment service. This page does not decide whether the firm acquires the card or only passes the payment on.
An official pricing page was recorded. Check the live page, including who you contract with.
- Pricing
- Local 2.9% + R1; international 3.1% + R1, excl VAT; check current live page This is a published snapshot, not a quotation.
- What the product page describes
- Online local and international card payments; transfers
Suited to. Developers and ecommerce
Advantages
- Published rate model
- Bank payout information
Considerations
- Fixed amount matters for small orders
- Integration and eligibility checks
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.
Peach Payments
Online payment service. This page does not decide whether the firm acquires the card or only passes the payment on.
Exact fees were not verified, so no price is shown as a confirmed current tariff.
- Pricing
- Confirm current pricing and settlement fee schedule
- What the product page describes
- Online checkout; payment links; integrations
Suited to. Ecommerce and subscriptions
Advantages
- Established ecommerce-focused solution
Considerations
- Pricing can depend on integration and package
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.
SnapScan Merchant Payments
Online payment service. This page does not decide whether the firm acquires the card or only passes the payment on.
Exact fees were not verified, so no price is shown as a confirmed current tariff.
- Pricing
- Confirm merchant transaction fees
- What the product page describes
- QR and mobile checkout; online integrations (verify)
Suited to. Local retail and events
Advantages
- QR acceptance
- Local brand familiarity
Considerations
- Payment method coverage and merchant costs must be checked
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.
- Stitch. No official logo is shown.
Stitch Payments
Online payment service. This page does not decide whether the firm acquires the card or only passes the payment on.
Exact fees were not verified, so no price is shown as a confirmed current tariff.
- Pricing
- Request formal pricing/fee schedule
- What the product page describes
- Pay by bank; payment APIs; merchant payment flows
Suited to. Growing digital businesses
Advantages
- API-oriented solutions
Considerations
- Potential technical integration complexity
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.
Yoco Online Payments
Online payment service. This page does not decide whether the firm acquires the card or only passes the payment on.
Features were recorded. A rate that is not printed here was not verified.
- Pricing
- Confirm the current price with the provider. Online pricing differs from in-person; confirm current channel pricing
- What the product page describes
- Online payment acceptance; payment links; ecommerce plugin
Suited to. Omnichannel SMEs
Advantages
- Online and in-person ecosystem
Considerations
- Channel and plan fees may differ
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.
Zapper Merchant
Online payment service. This page does not decide whether the firm acquires the card or only passes the payment on.
Exact fees were not verified, so no price is shown as a confirmed current tariff.
- Pricing
- Confirm merchant plan and payment fees
- What the product page describes
- QR/mobile payments and merchant services
Suited to. Hospitality and retail
Advantages
- QR payments and loyalty ecosystem
Considerations
- Not a substitute for all card acquiring options
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
- Pay@. Pay@ merchant payments. Confirm with the provider before treating it as available.
Estimate your payment processing costs
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
A gateway, a processor, an acquirer and a bank-payment method are different roles. Authorising a card is not the same moment as settlement into the business account. Weekends, a reserve and a chargeback can delay or reduce the payout. This page does not print a settlement time unless the product line already states one.
Payfast's published line keeps card pricing apart from Instant EFT, and it says the price excludes VAT. Ozow's line is a starting card rate and a Pay by Bank rate. Those are not one blended fee, and they are not applied to every other provider. A refund fee or a chargeback fee is not shown as R0.
PCI DSS is a card-network standard. It is not a South African banking licence, and it is not claimed for a provider here. Do not collect card numbers by email or WhatsApp. Personal information in a payment record is still subject to POPIA.
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