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South African payment processors


PayPal is always at the top of the list of online processors, whether sending or receiving money.
Since March 25, 2010, PayPal has entered the South African market and closed a partnership with FNB bank.
The disadvantage is that you can only charge in USD.
This is a major disadvantage if your target market is South Africans, as not everyone has a PayPal account, and charging in USD will be confusing to them.

PayU South Africa

PayU South Africa is a secure e-commerce payment gateway that allows you to accept credit card payments.

PayU is part of Naspers Ltd., a multi-national media group founded in 1915 that operates in over 133 countries.

Naspers is a multinational conglomerate with operations in e-commerce, pay-TV, and print media.


One of the best alternative payment gateways is PayFast and they offer EFT and Credit/Debit Card transaction integration. PayFast offer no setup fees or monthly fees, and only 2.0% per transaction + R2.00 for debit or credit cards.


Paygate accepts Mastercard, Visa, American Express, and Diners Club.
PayGate offers Payweb, PayXML, and Paybill, all of which allow customers to offer online bill payment.

Virtual Card Services (VCS)

VCS charges R 285.00 setup, R0.57 per transaction for authorisation, and R0.57 + 0.5% of the transaction for settlements.
The monthly fee is R 165.30, and bulk discounts are available based on the number of transactions


Snapscan is a contactless mobile payment solution that lets you accept and send payments both online and offline. Snapscan's transaction fees start at just 3% (excluding VAT) per transaction and drop to 2.6 percent if your monthly revenue exceeds R80 000. Read more here.


2Checkout is a great substitute.
2CO is also a good option if you want to avoid PayPal issues.
The account setup process is quick as there is no credit check involved.
It has a one-time $49 USD setup fee.
You must also pay a 5% commission plus $0.45 per transaction.


Pay from your computer, phone, or other device. Pay in under 60 seconds to speed up your shopping. Less risk of identity theft than other card payment methods.
It charges a small fee per sale and offers card-free, instant EFT payments with no registration. No processing fees for the first 12 months if your annual turnover is below R1 million.  

Peach Payments

Peach Payments enables businesses and customers in Africa to conduct transactions more easily.
The company provides its customers with all of the tools and solutions necessary to sell digitally while also protecting both themselves and their customers.
Peach Payments' mission is to satisfy its customers from the first to the millionth transaction

They hope to be able to provide services to Kenya, Nigeria, and other African countries.


Netcash provide payment solutions to businesses and organizations of all kinds.
The corporation delivers outstanding payment services to a diverse range of businesses and their requirements.
Sage Online Tools, Woocommerce, WordPress, Magento, cs.cart, Prestashop, and nopCommerce are all compatible with the Netcash Pay Now Gateway.
Retailers may offer their consumers more payment options, increasing payment frequency, by utilizing the Pay Now Online Payment Gateway plugin.


LayUp's Smart Lay-By Technology allows customers to pay in interest-free installments. In order to secure their chosen products at the quoted price and initiate their payment plan, the buyer must pay a modest deposit (decided by you, the seller).

The consumer has the freedom to choose the number of weeks or months they want to pay over, as long as it falls within the time constraints you've set.
Define your company criteria for any individual items you want to provide the LayUp payment plan option for, such as deposit amount and final payment date.
No interest is ever charged. There are no hidden costs or late fees. There is no interest at all.


Payflex is South Africa's first totally free payment plan. Payflex provides South African retailers with an online payment gateway solution that allows customers to pay over six weeks, interest-free.
Pay with Payflex today and pay just 25% of the total product price. Your order will be dispatched right away.
And the balance is paid over the course of six weeks at no extra charge (no fees, no interest*). If you skip a payment, you will be charged a default fee.

Payflex is funded in South Africa by ZIP, a renowned Australian fintech firm with over 3.5 million consumers in the United States, United Kingdom, Australia, and New Zealand.
What is an Merchant Account?
A Merchant Account is an solution established by a bank which enables a company or individual to route money from credit card sales to an account which holds it before transferring it to the business or individuals own account. South Africa’s top four banks (Standard Bank, Nedbank, ABSA and FNB) all offer Internet Merchant Accounts. A merchant can therefore apply for an Internet Merchant Account directly with their bank.
Do I need a Merchant Account to use a Payment Gateway:
No you do not need to be a registered merchant with a bank to use a Payment Gateway.
Mobile Payment Gateways:
Allow the client to pay via their mobile/cell phone, mobicred is a simple & convenient credit facility that allows a cellphone to safely shop online or make payments.

We integrate Mobicred or Snapscan into an ecommerce solution, mobicred is a simple & convenient credit facility that allows your users to safely shop online with our participating retailers.
For more info read mobicred.co.za or snapscan.co.za
What is the advantage of an internet merchant account?
You would pay less transaction fees but because you need to pay your bank a monthly fee, it would only be advisable on large amounts of sales per month.
Receive US and EU Payments:
Faster Payments - Receive your payments as quickly as if you were in the US or EU
Low Fees - Keep more of your earnings with a fee of only 2%

How can I apply for the service?
Also receive a 2checkout prepaid Mastercard? Your funds will automatically be loaded to your 2checkout card, which can be used to withdraw money via any ATM worldwide or for online/ in-store purchases where MasterCard® is accepted.
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