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Payment Gateway Providers South Africa

Compare South Africa's leading payment gateway providers — fees, settlement times, and features. Find the right gateway for your business type.

Compare Gateways →Yoco vs Ozow

Payment Gateway Comparison

Fees are indicative. Always verify current pricing directly with the provider.

ProviderTypeFeesSettlementBest For
YocoPOS + OnlineFrom 2.6% per transactionNext dayRetail and food service SMEs
OzowOnline EFTFrom 1.5% per transactionSame dayE-commerce and bill payment
PayFastOnline / E-commerceFrom 2% + R1.75 per transactionWeeklyE-commerce and online stores
Peach PaymentsOnline / APICustom pricing2–3 business daysTech companies and SaaS platforms
PayGateOnline / EnterpriseCustom pricing2–3 business daysMid-market and enterprise merchants
SnapScanQR / Mobile2.5–3% per transactionWeeklyFood, markets, and small retail
DPO PayPan-AfricanCustom pricing2–3 business daysBusinesses trading across Africa
ZapperQR / MobileFrom 1.5% per transactionNext dayRestaurants and hospitality

Provider Profiles

Yoco

POS + Online

Leading SME payment solution in SA. POS card machines + online checkout. Easy onboarding, no monthly fees.

From 2.6% per transactionSettlement: Next day

Ozow

Online EFT

Instant EFT payment gateway — no card required. Lower transaction fees than card gateways.

From 1.5% per transactionSettlement: Same day

PayFast

Online / E-commerce

South Africa's most popular e-commerce payment gateway. Accepts cards, EFT, MobiCred, and SnapScan.

From 2% + R1.75 per transactionSettlement: Weekly

Peach Payments

Online / API

Developer-friendly payment gateway with REST API. Multi-currency, recurring billing, and subscription support.

Custom pricingSettlement: 2–3 business days

PayGate

Online / Enterprise

Established payment gateway for enterprise and mid-market. DPO Group subsidiary.

Custom pricingSettlement: 2–3 business days

SnapScan

QR / Mobile

QR code mobile payment solution popular in SA retail and hospitality. Standard Bank subsidiary.

2.5–3% per transactionSettlement: Weekly

DPO Pay

Pan-African

Pan-African payment platform. Multi-currency payments across 54 African countries.

Custom pricingSettlement: 2–3 business days

Zapper

QR / Mobile

QR payment app popular in hospitality. Bill splitting, tipping, and loyalty integration.

From 1.5% per transactionSettlement: Next day

Related

Payment Gateways GuideBest Payment Gateways SACompare Payment GatewaysYoco vs OzowPOS MachinesFinance Guides

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