#1 · In-person & online 4.9
Yoco Khumo
Editor's ChoiceThe card machine to beat in South Africa.
- Fast payouts
- 2.6% per tap
- Great dashboard
R1 799
device
POPIA-ready
In-person & online
Best POS & Payments in South Africa
Card machines, integrated POS, and online payment gateways with real ZAR rates and fees.
Updated for 2026
4 products tracked
Top products
The pos & payments SA SMEs rely on
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#2 · In-person & online 4.6
iKhokha Mover
Best valueBest-value card machine for micro merchants.
- Cheap device
- Cashflow tools
- Local support
R899
device
POPIA-ready
#3 · In-person & online 4.7
HelloPay Pro
Best for multi-till retail environments.
- Same-day payouts
- Sage + Woo
- Multi-till
R2 499
device
POPIA-ready
#4 · In-person & online 4.7
Peach Payments
Online payment gateway for SA-first checkouts.
- SA-first checkout
- Wide integrations
- Recurring billing
2.9% + R2
per txn
POPIA-ready
Best of 2026
Editor-ranked for South African SMEs
Re-scored quarterly against local pricing, support, POPIA posture and community reviews.
See all best-of lists →- 1
Yoco Khumo
best all-round card machine
- 2
iKhokha Mover
best value for micro merchants
- 3
HelloPay Pro
best for multi-till retail
- 4
Peach Payments
best online payment gateway
Pricing
What pos & payments costs a South African SME
Indicative ZAR pricing by SME stage. Real quotes will vary by usage, team size and add-ons.
Occasional
R899 – R1 799
device
- No monthly fee
- 2.6% – 2.85% per tap
- Next-day payouts
Growing retail
R99
/ month + fees
- Same-day payouts
- Multi-till
- POS integration
Online
2.9% + R2
per txn
- Checkout SDK
- Recurring billing
- 3-D Secure
Buying guide
How to choose pos & payments in South Africa
SA merchants have real choice now. Pick for total effective cost (device + fees + payout speed), not the sticker price on the machine.
All buying guides →01
Fees
Every 0.1% on 2.6–2.9% adds up on a busy month — model it against last year's turnover.
02
Payouts
Same-day vs next-day matters more than merchants think when cash-flow is tight.
03
Integrations
If you run Xero, Shopify or Sage, the POS should push transactions natively.
04
Offline mode
Load-shedding still happens — offline-capable devices are worth the small premium.
FAQ
POS & Payments — frequently asked
Which card machine is cheapest in South Africa?+
The iKhokha Mover has the lowest sticker price at around R899, with per-tap fees of about 2.75%.
How fast are payouts?+
Yoco and iKhokha pay next day; HelloPay Pro offers same-day payouts on qualifying accounts.
Do I need PCI compliance?+
The provider handles PCI. You're responsible for POPIA on the customer data your POS captures.