Look beyond the headline fee
Compare card percentage, flat transaction fees, Instant EFT pricing, payout charges, VAT treatment and your average order value. A small flat fee can become meaningful on low-value orders.
Summary
When PayFast still makes sense
PayFast is useful for quick setup, broad payment methods and customer familiarity. It can be a sensible first gateway while a store is proving demand.
When to compare alternatives
If monthly volume is growing, compare Peach Payments, Paystack and Stitch against your actual mix. In this site model, PayFast is the most expensive viable full-stack option in the default calculator scenario.
Comparison Table
| Question | Why it matters |
|---|---|
| What is my average order value? | Flat fees matter more on smaller baskets |
| How many customers use EFT? | EFT pricing can change the cheapest provider |
| How often do I withdraw? | Payout fees can add operational cost |
| Do I need many payment methods? | PayFast remains useful for broad method coverage |
| Am I scaling volume? | Higher volume can justify switching or negotiating rates |
FAQ
Are PayFast fees the cheapest in South Africa?
Not usually in the model used by this site. PayFast is strong for convenience and familiarity, but merchants should compare total cost.
Does PayFast charge payout fees?
PayFast publishes payout-related fees, so include payout behaviour when calculating total monthly cost.
When should I move away from PayFast?
Review alternatives when transaction volume, average order value or support requirements become material to your margin.
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