Compare South African payment gateway fees.

The effective rate shows the estimated payment cost as a percentage of your sales. The formula is total estimated fees divided by total sales, then multiplied by 100. For example, R1,725 in fees on R100,000 in sales is an effective rate of 1.73%.

It depends on monthly sales, average order value, payout frequency, provider fee tier, and whether Shopify adds a third-party payment provider fee. This calculator compares published cost inputs in Rand.

No. Cheapest only means the lowest estimated cost from the public fee inputs used by this calculator. A real payment-provider decision should also consider settlement speed, reliability, support, chargebacks, refunds, fraud controls, plugin quality, reporting, reconciliation, and whether the provider fits your business model.

Yes. If you select a Shopify plan, the tool adds the published third-party provider fee for that plan to the gateway cost estimate.

The cost period selector multiplies the monthly estimate across 1, 6, 12, 24, 36, 48, or 60 months. This helps show the longer-term Rand impact of small fee differences. The effective rate can stay similar because both sales and fees scale over the selected period.

The cost breakdown chart sorts providers cheapest first and shows each provider as a horizontal stacked bar. The segments break the estimated cost into provider transaction fees, fixed fees (payouts and monthly subscriptions) and Shopify third-party provider fee. The cheapest provider is highlighted in green.

The pricing line graph shows cumulative estimated provider cost over the selected period. You can turn providers on and off to compare a smaller shortlist without changing the calculator inputs. Use the cost breakdown chart for a single-period view sorted cheapest first.

The fee inputs on this page were last verified on 2026-05-05. Provider pricing changes, so the linked official pricing pages should be checked before making a payment migration decision.

No. This is a cost-only comparator. It does not rank uptime, support quality, fraud controls, settlement reliability, refunds, chargebacks, or plugin quality.

The calculator includes public-fee options for Yoco, iKhokha, Payfast, Peach Payments, Ozow, Paystack South Africa, Zapper and SnapScan. Netcash, PayU South Africa, Adumo Online, PayGate by Network and Stitch are listed as custom-pricing providers to check manually.

Anton built it as a personal tool to assist customers to make a decision when comparing South African payment providers for Shopify, WooCommerce, billing apps, payment links and custom payment workflows.

Yes. Anton builds Shopify, WooCommerce, billing, payment-link, recurring billing, reconciliation, and custom payment workflows.