You land on this page when you want paystack percentage or paystack south africa transaction fees 2026 without marketing fluff. Treat every number below as direction; confirm on Paystack's pricing page before you model margins.
What you usually pay
- Online card: commonly quoted around 2.9% + R1 per successful charge for many SA merchants (volume tiers may apply)
- International cards: higher percentage tier
- Payout to bank: small flat fee per payout (often around R3 in comparisons I run with clients)
- Monthly platform fee: typically R0 for starters on standard plans
When Paystack wins
Paystack tends to beat low-ticket specialists when your average order value climbs above roughly R2,000. On a R5,000 sale the fixed R1 matters less than the percentage gap.
For kasi-scale R80–R200 baskets, compare Yoco and Ozow in the full gateway guide.
Integration costs (the hidden line item)
Fees are half the story. Budget engineering time for:
- Webhook signature verification and retries
- Idempotent order updates in Supabase or Postgres
- Failed payment UX that works on mobile networks
If you want that built properly, see custom software on Qwabi Engineering.