Fees

One rate per card type. Nothing hidden.

Flat, VAT-inclusive rates on every card transaction — with R0 upfront, R0 delivery, R0 activation and no recurring fixed fees.

The offer

Your rates, up front.

1%

Debit cards

2%

Credit cards

3%

Foreign cards

All rates include VAT

Nothing upfront. Nothing monthly.

  • R0Upfront device cost
  • R0Delivery
  • R0Activation
  • R0Recurring fixed fees

Fee calculator

What would you pay?

Enter your monthly card volume and how it splits between card types. No contact details required — this is just for you.

Card mix total 100%

Estimated monthly fee

R1,350

incl. VAT

  • Debit · 70%R700
  • Credit · 25%R500
  • Foreign · 5%R150

Estimate only. Your final rates are confirmed during your fees comparison — nothing is charged to use this calculator.

Worked example

R100,000 monthly card volume at 70% debit, 25% credit and 5% foreign works out to R1,350 including VAT: R700 on debit, R500 on credit and R150 on foreign.

T+1

Payout timing

Payouts & support

Paid the next business day, to any bank.

  • Payouts to any bank
  • T+1 — paid out one business day after the transaction day
  • No weekend payouts — weekend transactions are paid out on Monday
  • Call-centre support when you need help

Compare my fees

Ready to see your numbers side by side?

Send us your details and we will compare your current card costs against our flat rates. It takes a minute.

Questions about your card mix?

If your volumes are spread across sites or card types, the corporate payments team can assess your setup properly.

Pay2Pay

Card payments with clear costs for South African businesses. Payments made clear.

The offer

  • Debit cards 1% incl. VAT
  • Credit cards 2% incl. VAT
  • Foreign cards 3% incl. VAT
  • R0 upfront device cost, delivery and activation
  • No recurring fixed fees
  • Minimum R50,000 monthly card transactions
  • Payouts to any bank, T+1

© 2026 Pay2Pay. All rights reserved.

All rates include VAT.