South African Payment Gateways

10 Jul 2015  |  eCommerce Web Web Development

Choosing your payment gateway is an important part of the process of setting up your ecommerce store. As the payment gateways have different pricing models, it is important to pick one that suits your business, and provides the features and security that will ensure that users can easily and securely transact with your store.

We’ve selected some of favourite South African payment gateways below, and have outlined the features of each in order to make your decision a little easier. Some of the payment gateways will require setting up a merchant account with your bank, and others do not.

Peach Payments

Requires a merchant account: No
Contact number: 021 200 5877

Based in Cape Town and serving South Africa, Mauritius and Kenya, Peach Payments is an online payment gateway offering VISA, Mastercard and other major credit and debit cards, Apple Pay, Mobicred, 1ForYou, MasterPass and EFTSecure. Peach prides itself on delivering enterprise-grade security, personalised technical support and the market’s most simple and seamless checkout experience. Peach is the highest-rated online payment gateway on Hello Peter, and is ranked 5th overall for financial services. They count Pick ‘n Pay, Rain, NetFlorist, Zando, Under Armour, Crocs, Reebok and more among their clients. Check out their comprehensive documentation and easy-to-use plugins for Wix, Shopify, WooCommerce and Magento here.


Requires a merchant account: No
Contact number: 087 551 7000 /

Yoco is an African technology company that builds tools and services to help small businesses get paid, run their business better, and grow. We believe that by opening up more possibilities for entrepreneurs to be successful, we can help create more jobs, enable people to thrive and help to drive our economy forward.

Yoco offers low-cost card machines for taking payments, as well as offering online payments via your website.


Requires a merchant account: Yes
Contact number: 0861 102 172

Paygate has been in business since 1996, and provides various payment gateway options for Mastercard, Visa, American Express, and Diners Club. PayGate has a number of options including Payweb which easily adds payment functionality to your website via a transferal to their payment page, PayXML which allows more integration options so you can host the payment page on your own website, and Paybill which allows customers to offer the functionality to pay any bill online. Contact PayGate to get their latest pricing options.


Requires a merchant account: No

PayPal is one of the leading global payment services, and offered merchant services to South Africa from 2010 onwards. No setup fee is charged, and pricing ranges between 2.4% to 3.9% + US$0.30 per transaction. PayPal has partnered with FNB to easily allow withdrawing or payments using their bank accounts, and also for non-FNB customers via the FNB Withdraw service.

The options available for online payments via PayPal include the PayPal express checkout for PayPal customers, and the PayPal standard checkout which authorises payments and return the user their your website.


Requires a merchant account: Not for PayU Easy. (PayU Plus, and PayU Enterprise require one)
Contact number: 086 111 72 98

PayU is one of the largest payment providers worldwide, and offers a variety of options for business and the largest number of payment methods of any gateway in South Africa. PayU is also available in 16 countries, and has a robust enterprise ready system for transaction queues for businesses requiring a large number of transactions at a time. The PayU Wallet allows consumers to pay from their wallet and not need to type in credit card details on checkout.


Requires a merchant account: No

SnapScan currently empowers over 17,000 merchants via their handy payment app, and have now launched a method of paying via the app for online purchases. Merchants sign up for an account, and customers then use the app and scan a QR-code unique to the order to facilitate payment. With no need to enter credit card details the process is simplified and more secure.

SnapScan charges a simple fee of only 3% per transaction with no monthly fees. (See the SnapScan pricing here) View our article on the SnapScan online payment facility here.


Requires a merchant account: No
Contact number: 0861 729 327

PayFast have simplified the pricing by offering no setup fees or monthly fees. PayFast also offer a InstantEFT option using a code which will then almost immediately process the transaction.

PayFast also offers bitcoin, payD, Ukask, and mobicred payments, and they power some of the leading online merchants in South Africa including Takealot, Sportsmand Warehouse, and Legendary Brands.


Please get in contact with us should you not see your favourite payment gateway above! Should you need your eCommerce website developed, please contact us here.







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