Calculator / Compare
Yoco (Online Gateway) 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): Yoco (Online Gateway)
| Feature | Yoco (Online Gateway) | Peach Payments |
|---|---|---|
| Card rate | 2.95% excl. VAT | 2.95% + R1.5 excl. VAT |
| Instant EFT | Not listed | 1.5% + R1.5 excl. VAT |
| Payout fee | R0.00 | R0.00 |
| Payout speed | 1-2 business days | Next business day |
| Monthly fee | R0 | R0 |
| Est. monthly cost* | R 1 696,25 | R 1 782,50 |
| Platforms | WooCommerce, Shopify, Wix | WooCommerce, Shopify, Custom API |
| Best for | Merchants selling both in person and online. | 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 Yoco (Online Gateway)
Merchants selling both in person and online.
Apply with Peach Payments
SME stores on the Growth plan, with free daily settlement.