Free CRO audit: score your online store in about two minutes.Free CRO audit: score your storeRun my free audit

Free fee calculatorWhich payment gateway?Do the maths.

PayFast, Yoco, Peach Payments, Ozow, Paystack and iKhokha, side by side, at your sales volume.

A few tenths of a percent sounds like nothing. On R200,000 a month it’s thousands of rand a year, and fixed fees per order hit small baskets hardest.

Put in your sales, your average order and how your customers pay, and see what each gateway takes.

Compare the fees

Your numbersThe gateway calculator

What your store takes in a month, including VAT.

Used to count orders, for fixed fees per payment.

The rest by instant EFT or pay by bank, which usually costs less.

Fees per month

  1. 01 OzowR2,580
    Lowest fees2.58% of sales · R30,960 a year
    What’s in it
    Card payments
    R2,280
    EFT and pay by bank
    R300
  2. 02 iKhokhaR2,733
    2.73% of sales · R32,790 a year
    What’s in it
    Card payments
    R2,280
    EFT and pay by bank
    R400
    Payouts to your bank
    R53
  3. 03 PaystackR2,880
    2.88% of sales · R34,560 a year
    What’s in it
    Card payments
    R2,480
    EFT and pay by bank
    R400
  4. 04 YocoR2,950
    2.95% of sales · R35,400 a year
    What’s in it
    Card payments
    R2,950
  5. 05 Peach Payments GrowthR3,260
    3.26% of sales · R39,120 a year
    What’s in it
    Card payments
    R2,600
    EFT and pay by bank
    R360
    Monthly fee
    R300
  6. 06 PayFastR3,315
    3.31% of sales · R39,778 a year
    What’s in it
    Card payments
    R2,880
    EFT and pay by bank
    R400
    Payouts to your bank
    R35

Estimates using each provider’s standard published rates, excluding VAT on the fees. Payouts assume PayFast weekly and iKhokha every working day. Where a gateway doesn’t list EFT, those orders are counted as card. Not included: refunds, chargebacks, international cards, buy now pay later and negotiated rates. Fees checked September 2026: confirm with the provider before you sign up.

Talk to us about your checkout

The published ratesEvery fee, in one place.

  • 01 PayFast

    Cards, Apple Pay, Google Pay
    3.2% + R2.00
    Instant EFT, Capitec Pay
    2.0% (min R2.00)
    Monthly fee
    None
    Payouts
    R8.70 each

    Lower rates on request above R50,000 a month. Source

  • 02 Yoco

    Cards, Apple Pay, Google Pay
    2.55% to 2.95%
    Instant EFT
    Not listed
    Monthly fee
    None
    Payouts
    Free

    We use the top of the range, 2.95%. Custom rates above R200,000 a month. Source

  • 03 Peach Payments Growth

    Cards, Apple Pay, Google Pay
    2.95% + R1.50
    Pay by bank, Capitec Pay
    1.5% + R1.50
    Monthly fee
    R300
    Payouts
    Free, daily

    Saving cards for repeat billing adds R200 a month. Source

  • 04 Ozow

    Cards, Apple Pay, Google Pay
    2.85% (min R1.00)
    Pay by bank, Capitec Pay
    1.5% (min R1.00)
    Monthly fee
    None
    Payouts
    Next day

    The pricing page doesn’t say whether rates include VAT. We treat them as excluding VAT, like the others. Source

  • 05 Paystack

    Local cards
    2.9% + R1.00
    EFT
    2.0%
    Monthly fee
    None
    Payouts
    Next business day

    Source

  • 06 iKhokha

    Local cards
    2.85%
    Instant EFT
    2.0%
    Monthly fee
    None
    Payouts
    R2.50 each, daily

    Source

Rates exclude VAT. Checked September 2026.

Fees aren’t the whole storyCheapest isn’t always best.

  1. 01

    Offer the way people pay

    Card, Apple Pay, instant EFT, Capitec Pay, buy now pay later. A missing payment option costs more in lost orders than any fee difference.

  2. 02

    Check your platform

    Make sure the gateway has a proper plugin for your store, whether that’s Shopify, WooCommerce or something custom. On Shopify, a third-party gateway also adds Shopify’s own transaction fee.

  3. 03

    Ask for a better rate

    Every provider here negotiates once you sell enough. Know your monthly volume and ask.

A checkout that converts.

We set up payments, shipping and checkout on Shopify and WooCommerce stores, so more carts turn into orders.

No pitch deck. Just your numbers, and a plan.

Let's talk growth