South Africa Payment Gateway: Start Processing Locally with Online Payments

Accelerate expansion into a digital-driven market moved by gaming and SaaS players.

Software-as-a-Service

  • South Africa accounts for 45% of Africa's total SaaS market share, according to Statista, 2022

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Simplified Expansion

  • The one-stop-shop solution to unlock payments in South Africa and other markets in Africa, tailored to accommodate the digital payment preferences of local consumers.

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Credit Card Penetration

  • In Sub-Saharan Africa, only three out of 100 people own a credit card. Methods like mobile money or bank transfer are more widely used.

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Global companies selling with EBANX in Rising Markets

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EBANX solutions
↪in South Africa

A diverse payment offering to reach the vastest internet economy in Africa.

Pay-In

A variety of payment methods with solutions that increase your total addressable market by providing the most relevant options for digital purchases and boosting your performance in cross-border sales with a reliable global settlement network.


  • Direct connection with local acquirers

  • Optimized balance between approval rates and chargebacks

  • Support and performance optimization on recurring payments

  • Unified reconciliation

  • Local risk and compliance management

  • Optimized money flow considering multi-currency sales

  • One single and easy integration to accelerate go-live or upgrades

  • Exclusive and innovative technology developed in-house

More about Pay-In

High Order Value

Reduce manual work and optimize your cost-efficiency by automatically processing invoices exceeding USD 10,000 in a secure, scalable way.

EBANX High Order Value is an end-to-end payment solution for high-value cross-border transactions in emerging markets.

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International Funds Settlement

Sell to people in South Africa in Rand (ZAR) while accepting the most popular local payment methods. Receive your funds in USD anywhere.

All EBANX Solutions

payment methods in South Africa

The fastest-growing African digital commerce player is experiencing a substantial digital behavior maturation; meanwhile, digital payments are becoming increasingly common in South Africa.


Even though the country has a functioning credit system, with 43% of people using cards to buy online, expensive value-added services do not necessarily meet the needs of the underbanked.


That is when digital wallets and instant electronic funds transfers are helpful for South Africans. Ozow, for instance, is a gateway that allows locals to make bank-to-bank payments using their smart devices with no cards involved.

Share of payment methods in South Africa (2022)

Source: Statista, 2022.

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Payments in SOUTH AFRICA

Redefining Consumer Behavior and Payments in South Africa's Digital Age

Payment methods available in South Africa with EBANX

Payment Methods
Installmentswhen a payment is made at intervals
Recurrence
International Settlement
Domestic Settlement
Visa
Mastercard
Installments

No

when a payment is made at intervals
International Settlement

Yes

Domestic Settlement

No

No
Yes
No
Visa
Mastercard
Installments

No

when a payment is made at intervals
International Settlement

Yes

Domestic Settlement

No

No
Yes
No
Ozow
Installments

No

when a payment is made at intervals
International Settlement

Yes

Domestic Settlement

No

No
Yes
No
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EBANX makes cross-border payments easy so you can focus on growth

Have a complete payment solution that helps your business cross borders and process international payments in South Africa and many other countries in Africa and Latin America

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Keep reading about payments in rising markets

Mobile Payments in Africa

How phones, SIM cards, and bank accounts have led to a continental financial inclusion.

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Beyond Borders 2022-2023

An overview of online commerce in Latin America and Africa

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