South Africa Payment Gateway Fee Calculator

Find the cheapest merchant gateway for your SA online store. Calculates local card rates, Instant EFT fees, fixed transaction costs, and payout thresholds in real time.

Other comparisons: Mobile data · Fibre

1. Configure your store metrics

Monthly revenueR 50 000

R5,000R500,000

Avg order value (ZAR)

Primary payment type

E-commerce platform

Payout frequency

Real-time cost ranking (monthly volume: R 50 000)

Rates checked 29 October 2026. Totals add 15% VAT where the provider quotes a price excluding VAT. Weekly payouts: 4 this month, capped by how many sales you make.

Ozow

Cheapest Match

Bank payments, Capitec Pay, and Pay by Bank.

Card 2.85% or a minimum of R1 · Payout Next-day settlement

R 1 425,00 / mo

Effective fee: 2.85%

Apply with Ozow

Yoco (Online Gateway)

Merchants selling both in person and online.

Card 2.95% excl. VAT · Payout 1-2 business days

R 1 696,25 / mo

Effective fee: 3.39%

R 271,25 more than the cheapest

Apply with Yoco (Online Gateway)

Paystack

SaaS, developer-first apps, and recurring billing.

Card 2.9% + R1 excl. VAT · Payout 2 working days

R 1 725,00 / mo

Effective fee: 3.45%

R 300,00 more than the cheapest

Apply with Paystack

Peach Payments

SME stores on the Growth plan, with free daily settlement.

Card 2.95% + R1.5 excl. VAT · Payout Next business day

R 1 782,50 / mo

Effective fee: 3.56%

R 357,50 more than the cheapest

Apply with Peach Payments

Payfast by Network

No-code setups that need many payment methods.

Card 3.2% + R2 excl. VAT · Payout Standard payout

R 1 995,02 / mo

Effective fee: 3.99%

R 570,02 more than the cheapest

Apply with Payfast by Network

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Gateway fee guides

Paystack fees Yoco (Online Gateway) fees Payfast by Network fees Ozow fees Peach Payments fees