🥇 1. Peach Payments (Best Overall)

Best for: Growing businesses and international sales

• Multi-currency support
• WooCommerce & Shopify
• Apple Pay
• Google Pay
• Subscription billing
• Strong API
• International checkout

Verdict: ⭐⭐⭐⭐⭐

🥈 2. PayFast

Best for: Small to medium businesses

• Trusted in South Africa
• Easy setup
• Cards
• Instant EFT
• SnapScan
• Zapper
• Mobicred

Verdict: ⭐⭐⭐⭐⭐

🥉 3. Stitch

Best for: Modern businesses

• Excellent APIs
• Cards
• Instant EFT
• Apple Pay
• Google Pay

4. Yoco

Excellent if you have both:

• Physical store
• Online store

5. Ozow

• South Africa’s Instant EFT specialist.

6. PayGate

• Enterprise gateway.
• Banks love it.
• Excellent reputation.

7. SnapScan

• Not really a gateway…
• More of a payment method.
• Fantastic to offer alongside your main gateway because many South Africans already have it installed.

8. Payflex

• Buy Now Pay Later.
• Very good for:
• Fashion
• Electronics
• Furniture
• Jewellery
• Increases conversion rates.

9. Mobicred

• Credit facility.
• Ideal for:
• Higher-value purchases.

10. PayPal

• Still important.
• Especially if you sell internationally.
• Not always the cheapest.

Other Payment Solutions Worth Considering

• Happy Pay
• Capitec Pay
• Scan to Pay
• Zapper
• Google Pay
• Apple Pay
• Samsung Pay
• Masterpass (where still supported)

Which One Do We Recommend?

🏆 Best Overall: Peach Payments

🏆 Best for SMEs: PayFast

🏆 Best APIs: Stitch

🏆 Best Instant EFT: Ozow

🏆 Best Buy Now Pay Later: Payflex

🏆 Best Credit Facility: Mobicred

🏆 Best Enterprise: PayGate

🏆 Best Mobile Payments: SnapScan