This post was updated on 26/08/2015

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The most well known global payment gateway is PayPal ( Even though a South African developed PayPal, the company did not offer merchant services to South African based companies for a long time. This changed in 2010 and It’s now relatively simple to setup a PayPal account in South Africa. PayPal charges no setup or cancellation fees and offers transaction rates as low as 2.4% to 3.9%, plus US$0.30.

Clients can choose between the PayPal Express Checkout, which provides a seamless checkout for PayPal account holders via an API integration or the PayPal Standard Checkout, where PayPal authorizes payments and then returns the online customer to your website.

PayPal enables FNB bank account holders to easily make payments and withdrawals using their bank accounts. FNB has also made it possible for non-FNB account holders to withdraw funds paid into their PayPal account to their bank accounts at other banks, through the FNB Withdraw Service.

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Pay4It provides e-commerce solutions for small to medium businesses. A subsidiary of REDi Internet Services, Pay4It will even host and develop the online retailer’s website and make it entirely ready for e-commerce transactions. Pay4It charges a R500 +VAT once-off setup fee and a monthly subscription fee from R150 to R250. A 6% fee is levied per transaction.

Pay4It is a one-stop-shop for all online e-Commerce requirements and offers its clients a full portfolio of web design and development services in addition to its payment gateway services. Pay4It will also happily send clients a full integration guideline document and allow client’s developers access to the Pay4It technical team, to assist with the integration process.

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Sage Pay (formerly Sage Netcash)

Sage Pay transacts directly with 4 of the larger banks – Standard Bank, First National Bank, ABSA and Nedbank, and through Bankserv, with the smaller banks. Sage Pay is therefore able to guarantee service levels and payment clearance times.

Primarily used by retailers as a debit order and EFT Payment collection service, it also enables retailers to add a payment gateway service to their websites. Sage Pay requires online retailers to register online and will then respond with a service agreement for completion by the retailer. Sage Pay caters both for merchant account holders and for sole proprietors and is willing to sign up a sole proprietor, once assessed via their personal bank account.

Sage Pay prides itself on a quick turn-around time with registrations and does not lock clients into a fixed timeframe contract. Furthermore, online retailers can cancel their registration with Sage Pay at any time should they be dissatisfied with the service, without incurring penalties or cancellation fees.

Sage Pay charges a R425 setup fee, with a R190 per month retainer. They charge R1.10 authorisation fee per transaction, plus 5% of the transaction value (excluding VAT).

Sage Pay focuses on creating and implementing efficient and easy payment gateway services and as such, the data validation component of their systems is available to all clients, as a web service which can be integrated into the client website or account management software. Sage Pay’s portfolio of services also includes a comprehensive reporting system.

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Contact Number: 0861 338 338
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MonsterPay is a favoured choice for smaller businesses. MonsterPay is a Setcom company and does not charge a setup or monthly subscription fee. To receive payments, MonsterPay levies a transaction fee of 4.5%, plus an additional R2 for credit card payments. Payments received via SID Instant EFT are levied a 2.9% transaction fee and an additional R2. Payments received via MonsterBay balance are levied at 1.9% of transaction value.

With MonsterPay, the opening of an account is free and there are no monthly subscription fees. MonsterPay also provides an anti-fraud system, shopping cart and selling tools to its clients for free.

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Contact Number: 083 913 0000
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SID is another Setcom company and it provides the only instant EFT service in South Africa, called SID Payment. SID Payment is an assisted EFT (electronic funds transfer) that allows the customer to make payment directly to a merchant using their existing Internet banking facility, and deposits are made in real time. If a customer has never used SID before, they will be asked to run the application.

The customer will then be directed to their chosen bank site where they can login to make payment. The merchant’s banking details will be pre-populated on the payments page. Once the customer completes the payment and receives the receipt, their order will be fulfilled straight away, without having to fax the confirmation to the merchant.

SID merchants save substantially on banking fees and can make use of one of the company’s tailored packages. SID’s packages range in subscription charges from R250 to R900 per month. A minimum of 1.5% transaction fee is levied as part of the Basic package, but this falls away within the packages for higher monthly transaction volumes.

Take a look at their full package information here: aspx?page=Fees

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Contact Number: 011 555 1101
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2CheckOut offers a payment gateway service with no waiting period and no term-based contracts. 2CheckOut also supports recurring billing and will work with existing shopping carts.

An application service fee of US$10.99 applies for South African merchants, alongwith a 5.5% commission fee per transaction processed, alongwith an additional $0.45. With no monthly, gateway or statement fees, 2CheckOut also makes it possible for customers to purchase products with PayPal, as well as the most popular online payment methods.

2CheckOut provides its clients with an easy to integrate payment gateway service, which will work with many existing shopping carts and includes a range of comprehensive account management tools. 2CheckOut clients are required to maintain a website containing complete marketing, advertising and product information themselves.

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PayFast does not charge monthly fees – only per-transaction fees. PayFast is geared towards South African sellers (who serve both local and international buyers) and is constantly looking for innovative new ways to serve this market. PayFast discounts transaction fees for charities and for other businesses, in accordance with their monthly transaction volumes.

When a buyer makes a purchase, the funds (minus a nominal fee) will immediately reflect in your PayFast account. By generating a Payout, the funds are moved to your South African bank account of choice. In addition to credit card payments, Instant EFT makes up more than half of their transactions. Instant EFT allows buyers to pay via a bank transfer with South Africa’s biggest four banks that gets verified instantly. This is a PayFast patented system and these transactions don’t run the risk of repudiation/costly chargebacks.

PayFast also processes Ukash; vouchers that are available at over 420,000 retail locations all across the world and mimoney; a virtual currency backed by Standard Bank which resides on your mobile phone. Their per-transaction fees are outlined on and they don’t charge any setup fees.

PayFast provides a number of pre-built modules for a number of e-commerce engines/shopping carts, including Jigoshop, Magento, MarketPress, Opencart, WordPress WP eCommerce and WooCommerce. A complete list can be seen at PayFast also integrates with Vendorshop, which allows sellers to run promotions, engage with fans and sell products or services right from their Facebook page, without the need for a dedicated shopping cart.

Payfast details their stringent security checks and services here:

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Contact Number: 0861 729 327
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evriPay does not charge monthly or set-up fees – only per-transaction fees. evriPay provides transaction processing services in South Africa and Kenya. evriPay is focused on small and new businesses and will get a business up and trading immediately after the application form has been successfully completed. All applications are completed online.

evriPay currently provides two products for eCommerce. “Express” is a quick and simple way to implement online transactions on your website, whilst “Paymi” is an electronic invoicing system to request payments. With evriPay, credit card transactions are charged at 3.4% of the transaction, plus R2.70.

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Contact Number: 011 269 4012
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Related: South African Payment Gateways that require bank registration.

Download our Guide to South African Payment Gateways