Payment Gateways South Africa 2025
Compare fees, methods, and integrations across South Africa's top online payment gateways. Free to compare, free to get matched.
Get Gateway Quotes →Compare Payment Gateway Fees & Features
| Gateway | Card Rate | EFT Rate | Monthly Fee | Payment Methods | Integrations | Best For |
|---|---|---|---|---|---|---|
| Peach Payments | 2.6% | 0.9% | R250/mo | Cards, EFT, QR, SnapScan, PayFlex | REST API, WooCommerce, Shopify | SMEs & enterprise e-commerce |
| Ozow | N/A | 0.5%–1.2% | From R0 | Instant EFT, Bank app pay | API, Shopify, WooCommerce | EFT-first checkout |
| PayFast | 2.9%+R2 | 1.5% | From R0 | Cards, EFT, Masterpass, SnapScan | WooCommerce, Shopify, Wix, Magento | WordPress / DIY e-commerce |
| Yoco Online | 2.95% | N/A | R0 | Visa, Mastercard | Payment link, API, WooCommerce | Simple online invoicing |
* Fees current as at 2025. Subject to change. Excludes VAT where applicable.
FAQs
What is the cheapest payment gateway in South Africa?+
For EFT payments, Ozow is typically cheapest at 0.5%–1.2%. For card payments, PayFast and Peach Payments are competitive at 2.6%–2.9%. Your best option depends on your payment mix.
Which payment gateway integrates with WooCommerce?+
Most major South African gateways have WooCommerce plugins: PayFast, Peach Payments, Ozow, and Yoco Online all offer official WooCommerce extensions.
Do I need a registered business to get a payment gateway?+
Yes, most gateways require a registered South African business entity (Pty Ltd, CC, or registered sole trader). Some providers allow sole trader applications with minimal documentation.
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