February 2026  ·  All fees exclude VAT (15%)  ·  For client advisory use — verify all rates directly with providers

SA Payment Gateways
Compared

Five major South African payment gateways compared on fees, payment methods, and integration suitability for custom websites.

01 — All gateways

Full pricing breakdown

Expand notes on each card for additional charges such as payout fees and refund costs.

02 — Full matrix

Every method compared

All payment methods and fees side by side. Scroll right on smaller screens.

Payment method Payfast Paystack Peach Yoco Ozow
03 — EFT rates

Instant EFT comparison

Most cost-effective method for high-value SA purchases. No chargebacks, real-time bank confirmation.

Rates by gateway
04 — Card rates

Local vs international card rates

Most gateways charge a premium for international cards. Payfast is the exception — one rate for all cards regardless of origin.

Gateway / tier Local card rate International card rate
Important: Payfast, Peach Payments, Yoco, and Ozow rates verified from official pricing pages February 2026. Paystack rates from multiple consistent public sources. Paystack EFT rates are approximate via Ozow integration. Ozow bank-specific methods (Capitec Pay, Nedbank, Absa Pay, PayShap) require a direct quote. Payment gateway pricing changes frequently — always verify directly with the provider.