Payment Gateways in South Africa for eCommerce

  By     |   March 31st, 2018


There should be a medium for transaction of money between customer and merchant. Here comes the Payment Gateways – A merchant service provided by the eCommerce Website or Application that accepts authorised Credit Card, Debit Card, or direct payments for online business.A Professional Web Designing Agency in South Africa always have idea bout the best and easy payment gateways.

Let’s discuss about top 5 payment gateways in South Africa:


What can you do with PayPal?   

  • Use your PayPal Account to make or receive international payments online for goods and services
  •  Shop online at merchants in 67 countries and regions
  • Pay for things and send money without sharing your financial information
  • Checkout quickly at hundreds of your favourite online stores
  •  Receive payments from buyers in 190 countries and regions

PayPal launched in South Africa with First National Bank.

Currencies They Support:

• South African Rand
• Canadian Dollar
• Euro
• British Pound
• U.S. Dollar
• Japanese Yen
• Australian Dollar
• New Zealand Dollar
• Swiss Franc
• Hong Kong Dollar
• Singapore Dollar
• Swedish Krona
• Danish Krone
• Polish Zloty
• Norwegian Krone
• Hungarian Forint
• Czech Koruna
• Israeli New Shekel
• Mexican Peso
• Brazilian Real (only for Brazilian members)
• Philippine Peso
• New Taiwan Dollar
• Thai Baht

How do PayPal Charge?

PayPal charges on a sliding scale from 3.4% to 2.5% on money paid into your PayPal account. And   FNB charge of 1.5%. Totally you have to pay about 4.9% in fees.

Setup cost and monthly cost:

There’s no extra fee to use PayPal to purchase any goods or services. However, you have to pay a 2.9% for each transaction and 0.30$ bank charge.

PayPal is available for South African users but all transaction is processed in US Dollars. PayPal account enables you to buy or sell goods & services online in international markets.



Africa’s largest and fastest growing registered payment service provider helping thousands of customers. MyGate requires a merchant account to process the transaction.

Currencies they support in African Nations:

• South African Rand
• Kenya Shilling
• Metical
• Ghanaian Cedi
• Botswana pula

How do they charge?

Accept card payments globally from MyGate’s secure pay
ment gateway such as Master Card, VISA, American Express and Diners Club.



Instant payments via SID Instant EFT and No Credit Card Required.


Customers can simply tap or click the Visa Checkout logo in order to pay for your products instantly.

Visa Check

An innovative programme that rewards its customers for banking with Absa.


A simple and convenient credit facility that allows consumers to safely shop online through Mobicred.


There is no such setup cost and monthly cost. And you will have 161 FREE transactions per month. Cost per transaction only applies after you have used up all your free transactions and are only applicable to card transactions.



PayU is a globally recognised secure online payment solution specific to your business needs. PayU is a part of Naspers Group supports over 200000 merchants around the globe. PayU was founded in 2007 and accepts all major payment methods including credit cards, Electronic Funds Transfers (EFTs). Revised visa, Revised MasterCard. Revised Amex and Revised Master pass etc.

PayU offers safety and security for the customers who purchase and pay online with a merchant account. Also, PayU has been using in international level and in many countries such as:

1. Argentina
2. Brazil
3. Chile
4. Colombia
5. Czech Republic
6. Hungary
7. India
8. Mexico
9. Nigeria
10. Panama
11. Peru
12. Poland
13. Romania
14. Russia
15. South Africa
16. Turkey

How to Pay Online?

1. Choose the products or services to buy.
2. Pay through PayU using preferred payment option
3. Validation through its Fraud Detection System
4. Receive an email confirmation

PayU have zero Setup cost and no hidden charges. Also, enables the fastest payment processing in South Africa. This allows the customer to purchase any products that is available in the Online Shopping website.



PayGate is one of the top payment solutions in South Africa established in 1999 with more than 18 years of payment services. PayGate have thousands of satisfied customers on 5 continents
accepting online payment.

PayGate understand the needs of the clients and deliver the effective service accordingly. And process foreign currency in ZAR. Also, PayGate supports and accepts all cards including VISA Card, Master Card, SD, and Visa Checkout etc.

PayGate enable trading locally and internationally through Payment solutions according to the business needs. There is no set up cost for PayGate service. And it allows you to purchase online products paying instantly.



PayFast is South African Payment Gateway interface for o
nline money transactions for both sellers and buyers. PayFast was established in the year 2007. Also, provides a variety of payment methods suitable for the clients. PayFast have no set up cost and monthly cost for the customers but acquire fee for transactions you make.

By law, Pay Fast is allowed to accept only the South African Rand (ZAR). But they can accept the money from the foreign customers, but it should be in ZAR.

PayFast accepts Payment methods such as:

1. Credit & Cheque Cards
2. Instant EFT
3. Bit coin
4. Mobicred
5. ATM Debit Card
6. Master pass


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