Peach Payments
A South African gateway with a genuine enterprise product underneath the SME plan. It is the strongest local option for card-on-file subscriptions, and it publishes a complete fee table, which is rarer than it should be.
Peach Payments published fees
Read off the provider's own published pricing page.
Checked this month, on 23 Jul 2026.
www.peachpayments.com/feesThe fees
What Peach Payments charges.
Every line carries the date we last checked it and where we read it. The lines our calculator models are generated from the same engine, so this table and the tool cannot disagree.
| Line | Rate | Notes | Source |
|---|---|---|---|
| Peach Payments rate | 2.95% | Cards · subscriptions | Peach Payments rate: 2.95% Read off the provider's own published pricing page. Checked this month, on 23 Jul 2026. www.peachpayments.com/fees |
| Peach Pay by Bank rate | 1.50% | Pay by Bank · no chargebacks | Peach Pay by Bank rate: 1.50% Read off the provider's own published pricing page. Checked this month, on 23 Jul 2026. www.peachpayments.com/fees |
| Fixed fee per transaction | R1,50 | Added on top of the percentage | Fixed fee per transaction: R1,50 Read off the provider's own published pricing page. Checked this month, on 23 Jul 2026. www.peachpayments.com/fees |
| Minimum per transaction | None | A floor on percentage plus fixed fee | Minimum per transaction: None Read off the provider's own published pricing page. Checked this month, on 23 Jul 2026. www.peachpayments.com/fees |
| Monthly / setup | R0 | On the plan we model | Monthly / setup: R0 Read off the provider's own published pricing page. Checked this month, on 23 Jul 2026. www.peachpayments.com/fees |
| Payout fee | Free | Charged per payout run | Payout fee: Free Read off the provider's own published pricing page. Checked this month, on 23 Jul 2026. www.peachpayments.com/fees |
| Refund fee | None | Charged to process a refund | Refund fee: None Read off the provider's own published pricing page. Checked this month, on 23 Jul 2026. www.peachpayments.com/fees |
| Processing fee on a refund | Kept by the provider | The hidden cost: a refunded sale usually still costs you the original fee | Processing fee on a refund: Kept by the provider Read off the provider's own published pricing page. Checked this month, on 23 Jul 2026. www.peachpayments.com/fees |
| Chargeback penalty, peach payments | Not published | Not published by any provider. Our model provisions R120,00 per chargeback as an editorial assumption | Chargeback penalty, peach payments: Not published Read off the provider's own published pricing page. Checked this month, on 23 Jul 2026. www.peachpayments.com/fees |
| Chargeback penalty, peach pay by bank | None on this rail | Not published by any provider. Our model provisions R120,00 per chargeback as an editorial assumption | Chargeback penalty, peach pay by bank: None on this rail Read off the provider's own published pricing page. Checked this month, on 23 Jul 2026. www.peachpayments.com/fees |
| Local non-3DS and recurring cards | 3.50% + R1.50 | Recurring charges price higher than the 3DS rate we model | Local non-3DS and recurring cards: 3.50% + R1.50 Read off the provider's own published pricing page. Checked this month, on 23 Jul 2026. www.peachpayments.com/fees |
| International cards | 3.50% + R1.50 | Same rate as non-3DS local | International cards: 3.50% + R1.50 Read off the provider's own published pricing page. Checked this month, on 23 Jul 2026. www.peachpayments.com/fees |
| Apple, Google and Samsung Pay | 2.95% + R1.50 | Priced as local 3DS cards | Apple, Google and Samsung Pay: 2.95% + R1.50 Read off the provider's own published pricing page. Checked this month, on 23 Jul 2026. www.peachpayments.com/fees |
| PayJustNow BNPL | 5.35% + R4.80 | Plus R1.50 per transaction and R199 a month | PayJustNow BNPL: 5.35% + R4.80 Read off the provider's own published pricing page. Checked this month, on 23 Jul 2026. www.peachpayments.com/fees |
| Tokenisation | R200 a month | Card storage for one-click and subscription payments | Tokenisation: R200 a month Read off the provider's own published pricing page. Checked this month, on 23 Jul 2026. www.peachpayments.com/fees |
Rates ex VAT, South Africa, Growth plan. We model the local 3DS card rate. If you are running subscriptions, the rate that applies to you is the recurring one at 3.50% + R1.50 plus R200 a month for tokenisation, which is a materially different number. Daily settlement starts after two weeks of trading on Growth. The Enterprise plan is quote-based, for businesses above R500,000 a month, and Peach publishes no South African volume tiers.
What it accepts
Payment methods.
Strengths
- The best local subscription and tokenisation story. Card-on-file recurring billing is a first-class product, not an afterthought.
- Free daily settlement on the next business day, with no payout fee at all.
- A complete, published fee table covering every method, which is not the norm locally.
- Its Pay by Bank rate of 1.50% matches Ozow's bank rail, inside a gateway that also does cards properly.
Watch-outs
- Recurring transactions cost 3.50% + R1.50, not the 2.95% headline. Subscription businesses should model the higher rate.
- Tokenisation is R200 a month on top, which is the real cost of running subscriptions here.
- Peach publishes no South African volume tiers, so there is no visible path to a lower rate as you grow.
- Mauritius and Kenya are priced custom and volume-based, so multi-market pricing needs a conversation.
For developers
Integration and API.
Peach offers hosted, embedded and fully API-driven checkouts, with webhooks for payment notifications and a tokenisation vault for card-on-file charges. Of the local gateways it has the most complete API surface for recurring billing: tokens, scheduled charges and retry handling are supported directly rather than being something you assemble yourself.
That capability is what the pricing reflects. A subscription business pays the recurring card rate of 3.50% + R1.50 plus the R200 monthly tokenisation fee, so the comparison that matters is not Peach’s 2.95% against another gateway’s headline, but Peach’s recurring stack against the cost of building card-on-file handling somewhere that does not offer it.
Confirm payments server-side from the webhook, verify the signature, and treat retries as idempotent. For subscriptions specifically, handle the soft-decline retry path explicitly: a failed recurring charge that is silently dropped is churn you never see.
Licence and status
Peach references PCI-DSS Level 1 certification at snippet level, but we could not verify a licence status, registration or acquiring sponsor on its own pages. We have left this blank rather than infer it.
Peach Payments licence and status We could not confirm this against a primary source. Checked this month, on 20 Jul 2026.
Peach Payments is not a sponsor of this site, and this profile is not a paid placement. Nothing on this page was seen by Peach Payments before it was published.
In context
How Peach Payments 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 This provider | 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 This provider | 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 Peach Payments against your real numbers
Set your basket, volume and refund rate to find your effective rate, then compare it with every other gateway.
