Comparing the Best Payment Gateways in South Africa - Which one is best suited for your eCommerce Store?
August 4, 2020
August 4, 2020
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It's quite a well-known fact that most retail businesses are rapidly moving towards e-commerce. This is due to the increased growth of online stores and their online presence, which has created a niche. People these days need products at their comfort. As a new or existing store, you have probably considered taking your business online. While there are structured means to brand, design, advertise and sell products on the internet, payment gateways are still a challenge. How do get payments products offered? How do you also make payments for services or products you have acquired? As a retail store or any type of store in South Africa, the most important tool is an e-commerce website. This is the governing point of your e-commerce store. Before you acquire a payment gateway, you need to put into consideration two things.
Security: All transactions generated by an e-commerce website are captured far away from the real business, by a service provider. You need to consider how to secure the connection between your website and the service provider is. This protects your retail store from hacking cases.
Integration; Most payment gateways have requirements that need to be fulfilled, in order to fully integrate with any website. You have to make sure your e-commerce website is compatible with the payment gateway you are picking. In South Africa, many payment options can suit your e-commerce website. Every payment gateway is best suited for specific websites. The most predominant requirement for any gateway is the need for an internet merchant account. This is an account that links your e-commerce website to your bank. However, most payment gateways have scrapped off this requirement, allowing the start-up to register accounts for free.
Before you build your eCommerce store, you should consider taking a free 14 day trial with Shopify, most of the top South African payment gateways are supported by them and the support and additional plug-ins are the best on the market. Plus you can build the entire store yourself.
The first big decision you will have to take is, will you go for a payment gateway that requires you to have a registered Internet merchant account with a South African bank or will you go for one that does not require you to register. Setting up an Internet merchants account with your bank can sometimes be a lengthy process and in some cases the bank first wants to see your completed eCommerce website before giving you the account facility. This is not ideal if you are in a hurry to get up and running.
For smaller vendors that want to get started quickly and avoid monthly charges, the non merchants account options are usually better.
Larger vendors will benefit more from having an Internet merchants account with their bank, and will in most cases find the overall payment gateway fees to work out less costly, depending on transaction volumes. To assist you with making the right decision right from the start, Honeywhale have analysed the various payment gateways based on the key considerations that every new eCommerce entrepreneur needs to evaluate.
Payflex offers a very simple fee structure, with no upfront fees or fees for refunds, failed payments or authorizations. Payflex simply charges a per-transaction fee on successful transactions only. They have Partnership Managers that will communicate and discuss the details with you – their philosophy is to keep it simple and transparent. Payflex works very differently from every other payment gateway as they allow your customers to pay for their items over a period of time in 4 equal payments. This option alone can open so many opportunities for your eCommerce store as opening doors for your customers to have different payment options can only bring in more sales. Payflex has ready-to-go integrations for Woocommerce, Shopify, Magento V1 & V2 and Opencart that will allow you to integrate Payflex into your online store in no time. Payflex also offers a detailed API integration for custom-built websites (For more info visit their developer page).
Honeywhale highly recommends adding Payflex as one of your payment solutions as it is simple-to-integrate, secure and partnered with many eCommerce platforms. Payflex also gives additional payment options for your customers and is used on large or small South African eCommerce Stores.
So if you would like to add Payflex to your eCommerce store, please complete Payflex's merchant enquiry form or send them an email with your details to email@example.com. Their sales team will then give you a call and get you up and running in as little as a day.
PayFast is the easiest payment gateway to get started with. The reason for this recommendation is that you do not need to have an Internet merchants account to get started. Once you sign up for PayFast, you can immediately start accepting bank transfers from your website.
The process for accepting credit cards and other forms of payment is also quite simple. You just need to do a short business verification and then you are all set. Payfast also does not charge you setup or monthly fees, their guides are very informative so any eCommerce store owner will be able to integrate Payfast into their online store.
Honeywhale highly recommends Payfast for easy and quick setup of a payment gateway for your eCommerce store.
PayGate is one of South Africa's first payment gateways. The company started in 1996 and their solution can be found on many websites in the country. Originally their services were more focused to cater for larger eCommerce vendors but they have made big strides towards catering for startup vendors with the introduction of their PAYCOLLECT offering, which does not require a bank Internet merchants account.
The company places a huge focus on making life easier for eCommerce developers. Their developer resources include API documentation and instructions for setting up shopping carts and eCommerce platforms. These cart and platforms include Zen Cart, OSCommerce, CS Cart, Magento, VirtueMart, WordPress eCommerce, WooCommerce, OpenCart, PrestaShop, Shopify and other.
In addition logo packs with the PayGate logos, bank required Card Association logos and payment method logos are also available for quick inclusion into sites.
You do need a Merchant Account to setup PayGate but luckily they have an option where you can avoid the Mercahnt Account route, the PayCollect option. They also charge a once off activation fee ranging from R0 to R200. PayGate also charge a monthly fee that range from R0 to R450 per month. PayGate is a well-known and established payment gateway, their services are secure and their service is applauded.
Peach Payments and Paystack are the only South African payment Gateways that allow International Customers to pay into your South African eCommerce Store.
Peach Payments enables businesses to easily accept payments on their websites and mobile apps. They build online payments systems for Africa.
Their goal is to deliver brilliant experiences for our customers and users. In everything they do, they strive to make it as easy as possible for their merchants to focus on their business while they take care of your payment needs. Businesses that are selling any product or service through digital channels can use Peach Payments to manage payments seamlessly. They integrate with WooCommerce, Shopify, Wix and Magento -- the leading eCommerce platforms globally -- and Peach Payment's modern API allows for custom integrations. Today Peach Payments work with businesses in South Africa, Kenya and Mauritius, and are rapidly expanding their presence to other countries across the continent.
Paystack helps businesses in Africa get paid by anyone, anywhere in the world.
Give your customers the gift of modern, frictionless, painless payments. Integrate Paystack once and let your customers pay you however they want.
We automatically route payments through the most optimal channels, ensuring the highest transaction success rates in the market.
Developers love Paystack's thorough, well-documented APIs that let you to build everything from simple weekend projects, to complex financial products serving hundreds of thousands of customers. If you can imagine it, you can build it with Paystack.
Developers love our thorough, well-documented APIs that let you to build everything from simple weekend projects, to complex financial products serving hundreds of thousands of customers. If you can imagine it, you can build it with Paystack.
Thousands of organizations of all sizes trust Paystack to grow their business.
We have a robust suite of well-documented payments APIs and deep knowledge of the Nigerian payments landscape, making us ideal partners for international technology companies looking to accept payments in Nigeria.
Create a Payment Page in 2 mins with Paystack, and share that link via SMS, Instagram DM, WhatsApp chat, or however you communicate with your customers.
Paystack helps many of the largest corporate and government organizations in Nigeria get paid quickly and securely.
Export your payments data however you want, whenever you want.
Paystack only makes money when you do.
Sign up and order your card machine in 5 minutes. Yoco will deliver for free in 3 working days.
With payment links, plugins, QR codes and more, you don't need a card machine to take card payments with Yoco.
Download the Yoco App, create a sale and choose Pay by Link as the sale method.
Send the payment link to your customers on WhatsApp, email, SMS or social media.
Your customer enters their card details and pays you from anywhere in the world.
Every sale you make – through Pay by Link or a Yoco card machine – is created and recorded in your Yoco App.
Integrate Yoco payment gateway with your online store to make selling simple.
Secure, instant and irrevocable bank-to-bank payments.
Once a payment has been confirmed, the transaction is irrevocable with no charge backs .
Receive payments directly from your customer's cheque, savings or credit account - credit cards aren’t necessary.
Shoppers do not need to enter into a lengthy registration process, you simply log in using your internet banking details.
Experience less abandoned carts and many more happy customers by integrating Ozow's simple payment solution.
Merchants are notified instantly if and when one of their customers have made any transactions through Ozow.
Entice new customers by providing them with an Ozow easy, Ozow fast, and Ozow trusted card-free payment solution.
Easy, Fast and Trusted online payments for your customers.
Don’t have your card on hand? No problem. Access all of your accounts Ozow safely and Ozow easily with your internet banking.
Ozow’s payment gateway is Ozow simple and Ozow fast that customers can make a payment in 60 seconds or less.
Make payments on Ozow easily and securely, without the hassle of registration. All you need is an internet banking profile.
Customers who pay through Ozow only have to pay the merchant, enjoying no additional hidden charges when paying online.
Now there is no need for customers to send proof of payment, or make merchants wait for money to reflect in their bank account.
Ozow simplifies the customer’s EFT payment experience so that it is Ozow much faster, Ozow much easier, and Ozow convenient.
Only pay a percentage of your successful transaction value processed through Ozow.
Before we get started, there are a few things to keep in mind.
There are no hidden costs payable by the merchant to the banks.
Activation is subject to review and approval of Ozow at its sole discretion.
Monthly transaction fees are billed in arrears.
OZOW prices quoted do not apply to high risk merchants.
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