Payment tools for South African businesses

Ways to take card and online payments locally. Fees, settlement times and the documents you’ll need vary by provider.

What to check in South Africa

Fees and settlement

Compare transaction fees, any monthly fees, and how quickly money reaches your bank account. Check each provider’s current pricing page.

Payment methods

Check which methods your customers can use: cards, instant EFT, QR or wallet payments.

Onboarding documents

Payment providers usually need identity and business documents before you can take payments. Have them ready to avoid delays.

Tools and who they may suit

We don’t rank these or call any one of them the best. Each note explains which situations the tool may suit, based on its profile. The details are in each profile, where verified and unverified information is labelled.

Yoco

Ecommerce

May suit businesses that take payments in person, with a phone or card machine. It lists mobile apps and a WooCommerce plugin.

South Africa note: Built for the South African market.

Free plan: Not yet verified · Pricing: not yet verified · Not yet reviewed

Payfast

Ecommerce

May suit businesses taking online payments on their website. Its listed integrations include WooCommerce and Shopify.

South Africa note: Built for South African online payments.

Free plan: Not yet verified · Pricing: not yet verified · Not yet reviewed

Free tools for this

Create a professional invoice or tax invoice with VAT, then download it as a PDF or print it.

FreeRuns in your browser

Add or remove VAT, or work back from a VAT amount. Shows net, VAT and total, with South Africa’s 15% as the default rate.

FreeRuns in your browser

Make QR codes for links, text, Wi-Fi, email, phone and WhatsApp. Download PNG or SVG.

FreeRuns in your browser

Guides

Guide

Ecommerce tools available in South Africa

Selling online in South Africa: hosted stores vs WooCommerce, local payment gateways such as PayFast and Yoco, delivery, VAT on prices and the consumer rules to check.

· 8 min read

General information, not legal or tax advice. Laws, tax rates and regulations change. Check official sources, such as SARS, the Information Regulator and the relevant Acts, or ask a qualified professional before you make decisions. Tool details come from each tool’s ToolTarvern profile and may have changed. Check the vendor’s own site.