Calculator / Fees
South Africa payment gateway fees
Listed card rates, Instant EFT pricing, payout fees, and monthly charges for the five gateways in the calculator. Open a guide, then run your own volume on the payments comparison. Rates checked 29 October 2026.
Paystack
Card 2.9% + R1 excl. VAT
SaaS, developer-first apps, and recurring billing.
Yoco (Online Gateway)
Card 2.95% excl. VAT
Merchants selling both in person and online.
Payfast by Network
Card 3.2% + R2 excl. VAT
No-code setups that need many payment methods.
Ozow
Card 2.85% or a minimum of R1
Bank payments, Capitec Pay, and Pay by Bank.
Peach Payments
Card 2.95% + R1.5 excl. VAT
SME stores on the Growth plan, with free daily settlement.