Paystack Fee Calculator South Africa
Calculate exact processing rates, local payments, and gross-up invoices in ZAR.
Fee Wealth Leakage Radar & Profit Drag
Multi-Rail Arbitrage ("Switch & Save")
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Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
Client Invoice Message
Bookkeeping Journal Entry
Recent Calculations (Click to Restore)
Client Invoice Message Generator (South Africa) ▼
Frequently Asked Questions (Paystack South Africa)
What are Paystack processing rates in South Africa? ▼
In South Africa, Paystack charges 2.90% + R1.00 for domestic card processing and 2.00% flat for Instant EFT bank transfers. International card payments cost 3.90% + R1.00 per transaction.
Why is Instant EFT cheaper than card processing in South Africa? ▼
Instant EFT connects directly with South African banks (Capitec, FNB, Standard Bank, Absa, Nedbank) at 2.00% with zero fixed fee, avoiding interchange network markups.
How do you calculate a Gross-Up invoice on Paystack South Africa? ▼
To net R1,000 on a domestic card (2.90% + R1.00), calculate: Gross = (1,000 + 1.00) / (1 - 0.029) = R1,030.90.
What is Paystack's settlement schedule in South Africa? ▼
Funds are automatically deposited into your South African business bank account on a T+1 business day rolling schedule.
Does Paystack charge monthly maintenance fees in South Africa? ▼
No. There are zero setup fees, zero monthly subscription costs, and zero minimum transaction quotas.
What chargeback protection applies to Instant EFT in South Africa? ▼
Instant EFT transactions are finalized interbank transfers and cannot be charged back like credit cards, eliminating dispute risk.
How does Paystack integrate with South African eCommerce stores? ▼
Paystack offers native plugins for WooCommerce, Shopify, Magento, and custom REST API integrations.
Are Paystack fees tax-deductible for South African companies? ▼
Yes. All processing fees are 100% allowable business deductions on SARS corporate income tax returns.