Online Payment Gateways
Best Payment Gateways in South Africa
Compare PayFast, Peach Payments, Ozow and more. Find the right online payment gateway for your website, app or e-commerce store.
Payment Gateway Comparison
Indicative rates — verify directly with each provider
| Provider | Transaction Fee | Monthly Fee | Best For |
|---|---|---|---|
| PayFast | 2.0% + R2.00 | R0 | Most popular for e-commerce |
| Peach Payments | 2.5% + R1.50 | R0 | Best for marketplaces & SaaS |
| Ozow (i-Pay) | 1.5% | R0 | Lowest fee — instant EFT only |
| PayGate | 2.5% + R2.50 | R125 | Enterprise-grade 3D Secure |
| DPO PayNow | From 2.5% | R0 | Multi-currency, pan-African |
| SnapScan | 2.75% | R0 | QR payments, Absa-backed |
Rates as of April 2026. Subject to change.
Payment Gateway FAQs
What is the best payment gateway in South Africa?+
PayFast is the most widely used gateway for South African e-commerce due to its ease of integration and competitive fees. Peach Payments is popular for larger merchants and marketplaces. Ozow offers the lowest fees for EFT-based payments.
How long does it take to set up a payment gateway?+
Most gateways can be integrated within 1–3 business days once your FICA verification is approved. PayFast and Ozow often offer same-day technical integration with major e-commerce platforms like WooCommerce, Shopify and Magento.
Can I accept international payments with a South African gateway?+
DPO PayNow and Peach Payments support multi-currency and cross-border payments. PayFast and PayGate are primarily designed for ZAR transactions. For international sales, consider a gateway with currency conversion support.
What is the difference between a payment gateway and a payment processor?+
A payment gateway securely transmits card details from your website to the payment processor. The processor then communicates with the card networks (Visa/Mastercard) and the customer's bank to approve or decline the transaction. Most gateways bundle both services.
Finance EzyFind is a free comparison service. Rates are indicative and subject to change. Verify all fees directly with the provider before integrating.
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