South African Merchant Utilities
Compare Merchant Processing Fees & Net Take-Home
Factor in local vs international cards, Instant EFT, fixed transaction surcharges, and statutory 15% South African VAT on merchant processing fees to identify the cheapest payment gateway for your sales model.
Presets:
Transaction Profile
R 85,000
R5k
R500k
R1M
R 450
R50
R2,500
R5,000
Calculates approximately 189 transactions/month.
Payment Method Split
Local Visa / Mastercard
65%
Instant EFT (Capitec Pay / Ozow)
25%
International Cards
10%
Total distribution must equal 100% (currently 100%).
Include 15% VAT on Fees
Gateways quote fees excl VAT in South Africa
Lowest Fee Recommendation
Ozow / Paystack
Saves you R 624.50 / month compared to the most expensive option.
Monthly Volume
R 85,000
Est. Monthly Txs
189
Lowest Total Fee
R 1,845.25
Annual Fee Spread
R 7,494.00
Detailed Cost & Feature Breakdown
Sorted by lowest total fee| Gateway | Card Rates | Instant EFT | Total Fee | Net Payout | Effective % | Settlement |
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