For South African businesses, accepting payments isn’t just about convenience — it’s about trust, compliance, and scalability. Whether you’re running an e-commerce store, managing subscriptions, or issuing invoices, choosing the right payment gateway can make or break your customer experience.
At AP Systems, we’ve helped dozens of companies integrate secure payment solutions directly into Odoo ERP, ensuring smoother cashflow, reduced admin, and full SARS VAT compliance.
Why Payment Gateway Choice Matters
- Customer Trust: Buyers abandon carts if the payment flow feels clunky or unsafe.
- Compliance: POPIA and PCI-DSS standards apply in South Africa.
- Reconciliation: Integrated gateways cut down on manual accounting errors.
- Multi-Channel Selling: Businesses need payment options for Takealot, websites, retail POS, and invoices.
Popular Payment Gateways in South Africa
✅ PayFast
- Widely used, locally trusted.
- Supports card payments, instant EFT, SnapScan, Masterpass.
- Works well with Odoo via connectors.
- Great for SMEs, e-commerce, and subscription models.
✅ PayGate (by DPO Group)
- One of SA’s oldest gateways.
- Supports Visa, Mastercard, Amex, Diners, instant EFT.
- Strong fraud management.
- Good fit for larger enterprises and corporates.
✅ Peach Payments
- Modern player, expanding fast in SA.
- Supports card, EFT, mobile money (MTN, Airtel, M-Pesa in Africa).
- Easy integration with Odoo for online stores.
- Great for regional expansion into Africa.
✅ Yoco
- Known for mobile POS devices, now offering online payments.
- Easy to onboard, transparent fees.
- Good for small retailers and startups looking for both online and in-store payments.
✅ Ozow
- Specialises in instant EFT.
- Low transaction fees compared to card payments.
- Ideal for industries where clients prefer EFT (B2B, wholesale).
✅ Payment Junction
- South African PSP focusing on secure, multi-channel payments.
- Supports in-store, online, and mobile transactions with card and EFT options.
- Competitive fee structures and strong support for recurring payments.
- Good choice for businesses needing both e-commerce and physical retail coverage, such as omni-channel retailers.
How Odoo ERP Integrates with Payment Gateways
- Online Sales: Customers pay via your website, Odoo updates orders & inventory instantly.
- Subscriptions: Recurring billing integrates with Odoo’s subscription module.
- POS: Retail transactions sync with accounting and stock in real time.
- Invoicing: Clients can pay invoices directly online, with automatic reconciliation.
👉 With AP Systems, we configure and test these integrations to ensure seamless end-to-end workflows.
Choosing the Right Gateway for Your Business
|
Business Type |
Recommended Gateway |
Why |
|
Startups / SMEs |
PayFast / Yoco / Payment Junction |
Fast setup, flexible payment methods |
|
Established Retail |
PayGate / Yoco / Payment Junction |
Consistency across online + in-store |
|
E-Commerce |
PayFast / Peach Payments / Payment Junction |
Subscriptions, card + EFT options |
|
B2B Wholesale |
Ozow / PayGate / Payment Junction |
Lower fees, EFT preference |
|
Pan-African Expansion |
Peach Payments /Payment Junction |
Supports cross-border mobile money |
Conclusion
South Africa’s payment landscape is evolving fast. From PayFast to Peach Payments and Payment Junction, each gateway offers unique benefits. But the real power comes when you integrate payments directly into Odoo ERP — giving you real-time visibility of sales, stock, and cashflow.
At AP Systems, we help South African businesses choose and configure the right gateway, ensuring secure, compliant, and efficient payment processes.