If you’re starting a business on the internet in South Africa or are just looking for an easier way to receive online payments from the comfort of your home, then choosing the right payment gateway is a one step you should take. I am aware of how confusing it can be with the existence of the several options especially if you are new to this. Therefore, I have come up with a list of the best 14 online payment gateways in South Africa that will help you make the right choice there by saving time.

In the same post, I have also shared some general information about payment gateways, how easy they are to use, the associated fees, coverage, and the customers’ service they offer. I also added the links to the websites of the different providers so you can visit to learn more.

Top 14 Online Payment Gateways in South Africa

1. PayFast

PayFast is probably one of the most well-known payment gateways in South Africa. It is super easy to set up, and it supports a lot of payment methods like credit/debit cards, Instant EFT, Zapper, SnapScan, and even Bitcoin through integrations. If yo are using platforms like WooCommerce or Shopify, PayFast will do you the magic.

Why on the list: No monthly fees, local support, and strong reputation.

2. PayGate

PayGate has been around since 1999 and is part of the DPO Group. It supports multiple currencies, credit cards, and mobile payments. You will also find a decent API for developers if you want to customize the experience.

Why on the list: Reliable for bigger businesses, and it is secure and widely used.

3. Yoco

Yoco started off offering card machines for small businesses, but now they have an online payment gateway too. It is good for small businesses and startups that want a simple way to start accepting online payments.

Why on the list: Very beginner-friendly, no monthly fees, and instant payouts.

4. Peach Payments

Peach Payments offers an easy checkout experience and supports subscriptions, card payments, and even QR code payments. It integrates with most major e-commerce platforms.

Why on the list: Excellent support and easy integration for e-commerce stores.

5. Ozow

Ozow focuses on Instant EFT, which means customers don’t need to enter card details. It connects directly to South African bank accounts and verifies payments quickly.

Why on the list: Fast, secure, and no need for credit cards, which is great for local shoppers.

6. SnapScan

SnapScan is a mobile payment solution that works well for both online and offline payments. Shoppers scan a QR code to pay using their mobile phones.

Why on the list: Super popular and easy to use for South Africans who prefer mobile payments.

7. Zapper

Like SnapScan, Zapper is a mobile payment gateway. It is commonly used for QR code payments and is fast becoming method in local online stores.

Why on the list: Fast checkout and great for mobile focused businesses.

8. DPO South Africa

DPO acquired PayGate and offers payment solutions for both small and large businesses. It works across Africa, not just in South Africa.

Why on the list: Great for businesses that want to expand across Africa.

9. Netcash

Netcash is not just a payment gateway, it also offers payroll and debit order solutions. It is perfect if you want a more all-in-one financial tool.

Why on the list: More than just payments, it is a business management tool too.

10. iKhokha

iKhokha is similar to Yoco, but it also has options for e-commerce stores. You can accept online payments and get their card machines as well.

Why on the list: Affordable, local support, and built for small businesses.

11. WAPPoint

WAPPoint has been around for over 15 years and offers online payments, debit orders, and credit card terminals. Their support is highly praised.

Why on the list: Personalized service and best for businesses that need a bit more hand holding.

12. Shopstar Pay

Shopstar is an e-commerce platform with its own built-in payment gateway, Shopstar Pay. It is perfect if you are just starting an online store and want everything in one place.

Why on the list: Simple all-in-one e-commerce and payment setup.

13. MyGate

MyGate is used by bigger online retailers and offers solid fraud protection, recurring billing, and multi-currency support. It is now part of Wirecard.

Why on the list: Good for medium to large businesses with more complex needs.

14. FloatPay

FloatPay is a bit different. It is more of a financial wellness tool for businesses, but it also integrates payment solutions to help employees access wages early.

Why on the list: Innovative approach, and can be useful if you’re offering employee perks.

Final Word

Choosing the right payment gateway in South Africa depends on what kind of business you are running, your target customers, and how tech-savvy you are. If you are just starting out, platforms like PayFast, Yoco, or Ozow are great because they’re easy to use and don’t require much setup. For more advanced businesses, DPO or PayGate might be better.

Whatever you choose, just make sure it supports the payment methods your customers use most, and always double-check the fees so there are no surprises later.