Quick Answer How to Accept Online Payments in South Africa South African small businesses have four main routes: payment gateways (Payfast, Yoco, Peach Payments) for websites and links, payment links for WhatsApp and email, instant EFT built into gateways, and mobile card machines for in-person sales. For online-only sales you can be live within days at roughly 1.5-3.5% per transaction. The main options compared Method Best for Typical cost Payment gateway (Payfast, Yoco, Peach) Website checkouts, WooCommerce/Shopify ~1.5-3.5% per transaction Payment links WhatsApp, email, invoices Similar %, no website needed Instant EFT (via gateway) Customers without cards Flat fee per transaction Mobile card machine (Yoco etc.) Markets, deliveries, pop-ups ~1.5-2.9%…