No Setup Fees
No Monthly Fees
No Refunds Fees
Online Payment Gateway Fees & Pricing in Africa
Understanding your payment gateway fees is key to choosing the right provider. PayGenius offers transparent, scalable pricing for African businesses looking to accept online payments, card payments, and multi-currency transactions.
Whether you are a startup or an established business, our merchant fees are designed to support growth while keeping costs predictable, you just pay as you transact.
Transparent Payment Processing Fees
We believe in simple, transparent pricing with no hidden surprises
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No complicated pricing structures
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Clear transaction-based fees
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Scalable pricing as your business grows, Pay as you go
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No unnecessary monthly costs
Pay as you transact, and no more!
Multi Currency Processing
from
3%
ZAR, EUR, USD, GBP, MUR, KES
Features
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Local and foreign card processing
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Alternative payment methods
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Virtual card processing
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Full/partial refunds
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Support 365 days a year
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Consolidated reporting
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Fraud monitoring
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Payment holds
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Split payments / settlements
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Subscriptions
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Card Tokenisation
Card Payment Processing Fees
Our card payment solutions allow you to accept both local and international payments securely.
We operate as merchant of record and offer you a bundled pricing comprising processing and payment gateway fees.
Fees can vary depending on your business type, transaction volume, and risk profile.
Processing Currency | Payment Method | Fees |
|---|---|---|
ZAR | Visa / Mastercard | from 3% |
ZAR | Diners | from 3.5% |
ZAR | Amex | from 3.5% |
ZAR | Instant EFT | from 2% + R2.00 |
ZAR | Paypal | from 1% |
ZAR | Refunds | no fee |
USD | Visa / Mastercard | from 3.5% + $0.25 |
EUR | Visa / Mastercard | from 3.5% + €0.25 |
GBP | Visa / Mastercard | from 3.5% + £0.25 |
AUD | Visa / Mastercard | from 3.5% + AUD 0.25 |
CAD | Visa / Mastercard | from 3.5% + CAD 0.25 |
KES | Visa / Mastercard | from 3% |
KES | Mpesa/Airtel | from 2% |
What affects PayGenius Payment Gateway Fees ?
Several factors influence your final pricing:
Transaction Volume
Higher volumes can often result in more competitive rates.
Industry Type
Certain industries (such as travel or high-value transactions) may have different risk profiles.
Payment Methods
Different methods (cards, EFT, international payments) have different processing costs.
Currency & Location
Each processing currency has its own cost structure.
Payment Methods
We support secure online payments from customers worldwide, including all major credit and debit cards such as Visa, Mastercard, American Express and Diners Club.
Our platform uses advanced encryption and 3D Secure authentication to protect every transaction, helping reduce fraud and minimise chargebacks.
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Frequently Asked Questions
What are payment gateway fees in South Africa?
Payment gateway fees typically include a transaction fee per payment, which may vary depending on card type, transaction value, and whether the payment is local or international.
Do international payments cost more ?
Yes, international and multi-currency payments may include additional fees due to currency conversion and cross-border processing costs.
How can I get a custom pricing quote?
You can request a tailored quote based on your business type, transaction volumes, and payment requirements by contacting our team or booking a demo.