Peach Payments

Introduction

The new age of technology comes with many changes. One of those is how we pay for things. Before the pandemic, most people went to stores to buy things with cash but post-pandemic came the digital revolution of payments. As digital payments evolve, South Africa has been at the forefront of financial technology (fintech), with solutions such as secure payment gateways, alternative finance platforms and buy now pay later (BNPL) offerings.

Small to medium-sized enterprises (SMEs) looking to sell their products or services online, need to find a secure and reliable payment gateway to integrate into their website.

What is Payment Gateway?

A payment gateway is the secure technology that authorises and processes payments for both online and in-person transactions. It acts as a digital bridge between your business and the banks, securely encrypting customer credit or debit card details to ensure funds transfer safely from the buyer to the merchant.

Because of the large number of payment gateways on offer, SMEs must pick a reliable partner. One of the best in South Africa is Peach Payments.

What is Peach Payments?

Peach Payments is a secure African payment gateway and payment service provider. It allows businesses to easily accept money from customers online through their websites, mobile apps, or physical stores.

What does Peach Payments Offer SMEs?

Peach Payments provides SMEs in South Africa and Africa with robust, omnichannel payment infrastructure. This includes an online payment gateway, in-store Point of Sale (POS) terminals, business funding, and real-time payouts, allowing businesses to seamlessly process transactions both online and offline.

Main Features

Omnichannel Processing: Accept payments online, via Payment Pages (no website required), and in-store using Point of Sale (POS) hardware that processes cards in seconds.

Alternative Payment Methods (APMs): Boost conversions by offering diverse options like cardless digital wallets, Instant EFT, scan-to-pay QR codes, and Buy Now, Pay Later (BNPL) services like Payflex.

E-commerce Integrations: Easily connects with platforms such as Shopify, WooCommerce, Magento, and Xero via native APIs and pre-built plugins.

Recurring Billing: Peach Payments securely tokenises customer cards for automated subscription billing and one-click checkouts.

Real-Time Payouts: Disburse funds instantly to suppliers, partners, or customers, and receive unified daily settlements directly into your bank account.

Advanced Risk Management: Built-in PCI DSS compliance, 3D Secure readiness, and automated fraud detection to proactively monitor and restrict suspicious transactions.

Pricing

Peach Payments has two plans. One for large business and one for SMEs.

Growth Plan – Ideal for SMEs. Fees start at 2.95% + R1.50 per transaction. The growth plan features:

  • Easy plugins to start your new store
  • 365-day phone and email support
  • Free, automated daily settlements
  • Accept local and international card, EFT, Payflex and Mobicred
  • Automated conversion optimisation
  • Full pricing details

Enterprise Plan – Ideal for larger businesses who transact over R500,000 per month. Custom volume-based rates. The enterprise plan features:

  • Free automated daily settlements
  • Dedicated automated manager with daily priority support
  • API and SDK integration and Magneto plugins
  • Subscription and one-click checkout
  • Full pricing details

 

 

Pros and Cons

Pros

Integration with major e-commerce platforms.
Not setup fees.
Accept all cards including international and EFT transactions.

Cons

Transactions only received the next business day.
Account managers only for enterprise plan.
FAQs

Peach Payments ensures that you get your money the next business day after a transaction is processed.

No problem, Peach Payments provides payment links for businesses without websites.

Yes, Peach Payments integrates into all major e-commerce platforms including Shopify, Wiz and WooCommerce.

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