Calculator / Compare
Paystack vs Peach Payments
South Africa merchant fee comparison covering card rates, Instant EFT, payout speed, monthly platform fees, and typical store platforms.
Cheapest match at R50 000 / month (R1000 AOV, cards): Paystack
| Feature | Paystack | Peach Payments |
|---|---|---|
| Card rate | 2.9% + R1 excl. VAT | 2.95% + R1.5 excl. VAT |
| Instant EFT | 2% excl. VAT | 1.5% + R1.5 excl. VAT |
| Payout fee | R0.00 | R0.00 |
| Payout speed | 2 working days | Next business day |
| Monthly fee | R0 | R0 |
| Est. monthly cost* | R 1 725,00 | R 1 782,50 |
| Platforms | WooCommerce, Shopify, Custom API, Wix | WooCommerce, Shopify, Custom API |
| Best for | SaaS, developer-first apps, and recurring billing. | SME stores on the Growth plan, with free daily settlement. |
*Estimated card fees at R50 000 monthly volume and R1000 average order, including payout, monthly fees, and VAT where the provider excludes it. Rates checked 29 October 2026. Run your own numbers.
Apply with Paystack
SaaS, developer-first apps, and recurring billing.
Apply with Peach Payments
SME stores on the Growth plan, with free daily settlement.