SA Payment Method Guide: Cards, Apple Pay, & Instant EFT (Ep 5)
Автор: Lehlohonolo_Mosoang_indie_Dev
Загружено: 2026-01-13
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Description
In South Africa, supporting every payment method isn't just a checklist—it's a trade-off between cost, user conversion, and operational complexity. While cards are the universal baseline, they come with 3D Secure (3DS) friction; meanwhile, Instant EFT offers lower fees (1.5%–2%) but can reduce conversion rates due to the extra steps required for bank login and approval.
In this fifth episode of the "SA Payment Gateways for Indie Devs" series, we map out the local payment landscape to help you decide which "rails" your specific app actually needs.
What you will learn in this video:
• The Card Baseline: Why all providers support Visa/Mastercard, and how tokenization allows you to bypass 3DS friction for recurring payments after the first transaction.
• Instant EFT vs. Cards: A look at the pricing advantage of EFT (Payfast and Paystack at 2%, Peach at 1.5% + R1.50) versus the UX trade-off of bank app approvals.
• QR Code Bundling: How integrating through a PSP allows you to support SnapScan, Zapper, and Masterpass through a single integration, simplifying your reconciliation.
• The "Mobile Boost": Why Apple Pay and Google Pay are technically "just cards" but act as major conversion boosters for mobile users.
• The New Frontier: An update on PayShap (the 2023 real-time rail) and why debit orders usually require specialist providers like Netcash instead of standard gateways
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