PayU
A global payment processor with a South African operation, positioned at enterprise and cross-border merchants. It publishes no commercial terms of any kind, so we cannot rank it or model what it costs.
This profile is general factual information and editorial analysis, not an endorsement, personalised recommendation, provider quote or proof that every product is authorised for your use. Check the source dates, exact contracting entity, current written terms and regulatory scope before committing.
Why there are no figures on this page
PayU publishes no rates, no fees and no pricing terms for South Africa anywhere we could find. payu.co.za returns a 404, and the corporate South African page carries no commercial terms at all, not even a statement of how pricing is determined. Its global fees-by-country page covers Colombia, Peru and Chile only. Third-party claims of "about 2%" circulate, but they are hearsay with no primary source, and we will not publish them.
What it accepts
Payment methods.
Strengths
- A genuinely global processor, so a merchant already selling across several PayU markets may find one relationship simpler than several.
- Positioned at enterprise and pan-African volumes, where bespoke pricing is normal and published rate cards would not apply anyway.
Watch-outs
- No published pricing of any kind for South Africa. You cannot compare PayU against anything without contacting it first.
- payu.co.za returns a 404, and the corporate page carries no commercial terms, not even a stated basis for pricing.
- Because nothing is published, nothing here is verifiable, and no figure on this page can carry a verified badge.
- Widely repeated third-party rate claims have no primary source. Treat any number you see quoted for PayU South Africa with suspicion.
For developers
Integration and API.
PayU’s South African presence is a corporate page rather than a product site. There is no public developer documentation, no sandbox we could reach, and no integration guide of the kind every other provider on this list publishes.
That is a legitimate way to run an enterprise sales motion, and it is common among processors whose customers are all negotiating bespoke terms. But it means this profile cannot do what the other seven do. We can tell you that PayU operates here and that it targets enterprise and cross-border merchants. We cannot tell you what it charges, how it settles, or how it compares, because PayU does not say.
If you are evaluating PayU, treat the sales conversation as the only source of terms, get everything in writing, and compare the quote against the published rates on this site rather than against another quote.
Regulatory records and scope
PayU Payment Solutions (Pty) Ltd · 2009/017393/07
Listed in PASA's June 2025 public TPPP register. The register records this entity under a sponsoring bank and payment-service columns. It is not evidence that every PayU product or activity is authorised, or that the June 2025 status remains current.
PayU Payment Solutions (Pty) Ltd: record dated 2025-07-02 Read from the identified regulator or payment-system body publication. Checked this month, on 01 Aug 2026.
PayU is not a sponsor of this site, and this profile is not a paid placement.Nothing on this page was seen by PayU before it was published.
In context
How PayU compares.
The whole field, ranked by what actually reaches your account, computed by the same engine that powers the calculator. Not a shortlist we picked.
| # | Provider | Rail | Headline | Chargebacks | Effective rate | Per month |
|---|---|---|---|---|---|---|
| 1 | Ozow pay-by-bank | Pay-by-bank · no chargebacks | 1.50% | None | 1.80% | R2 703 |
| 2 | Peach Pay by Bank | Pay by Bank · no chargebacks | 1.50% | None | 2.05% | R3 075 |
| 3 | Paystack EFT | EFT · no chargebacks | 2.00% | None | 2.37% | R3 553 |
| 4 | Stitch Capitec Pay | Capitec Pay · no chargebacks | 2.00% | None | 2.38% | R3 563 |
| 5 | iKhokha Instant EFT | Instant EFT · no chargebacks | 2.00% | None | 2.38% | R3 563 |
| 6 | PayFast Instant EFT | Instant EFT · no chargebacks | 2.00% | None | 2.41% | R3 609 |
| 7 | Yoco | Cards · Core plan | 2.55% | Card risk | 3.04% | R4 563 |
| 8 | iKhokha | Cards · SME payments | 2.85% | Card risk | 3.40% | R5 106 |
| 9 | Ozow cards | Cards via partners | 2.85% | Card risk | 3.42% | R5 133 |
| 10 | Stitch Express | Cards · orchestration | 2.95% | Card risk | 3.52% | R5 282 |
| 11 | Paystack | Cards · best DX | 2.90% | Card risk | 3.64% | R5 458 |
| 12 | Peach Payments | Cards · subscriptions | 2.95% | Card risk | 3.79% | R5 683 |
| 13 | PayFast | Widest methods | 3.20% | Card risk | 4.21% | R6 320 |
A R650,00 average basket, R150 000,00 a month, 3% refunded, 4 payout runs a month, incl 15% VAT. Quote-based providers are absent from this table because they publish no rate to compute, not because they were excluded. Card rails carry a chargeback provision of R120 per chargeback, which is an editorial assumption, not a sourced figure: no provider on this site publishes a chargeback penalty amount. Run your own numbers in the calculator.
See PayU against your real numbers
Set your basket, volume and refund rate to find your effective rate, then compare it with every other gateway.