In this article, I will explore the Best Crypto Payment Gateways in South Africa which allow people and companies to accept digital currency in a safe and streamlined manner.
These gateways make processing crypto transactions a breeze, as they allow payments, conversions, and transfers to and from the crypto world in an instant.
If you own an e-commerce business or freelance in South Africa, these gateways offer you an easy, secure, and hassle-free way to process crypto payments.
Key Points & Best Crypto Payment Gateways In South Africa
| Gateway | Key Point |
|---|---|
| FiveWest | Instant ZAR settlements, low fees, no crypto exposure |
| NOWPayments | Supports 300+ cryptocurrencies, global reach, e‑commerce integrations |
| Stitch Pay | Bank‑to‑crypto bridge, secure transfers, fiat settlements |
| Plisio | Low transaction fees, real‑time rates, e‑commerce friendly |
| Binance Pay | Over 300 cryptos supported, trusted global exchange ecosystem |
| Payaza | Pan‑African fintech gateway, simplifies digital transactions |
| Ozow | Instant EFT and crypto options, strong local presence |
| Yoco | POS and online payments, SME‑friendly crypto acceptance |
| Klasha | Cross‑border payments, supports African merchants |
| Chipper Cash | Peer‑to‑peer crypto transfers, mobile‑first solution |
10 Best Crypto Payment Gateways In South Africa
1. FiveWest
FiveWest is a South Africa-based financial technology firm offering advanced crypto payment solutions tailored for local and global businesses.
It allows merchants to accept Bitcoin and other cryptocurrencies seamlessly, converting them instantly into fiat to avoid volatility.
With deep liquidity access and strong banking partnerships, FiveWest ensures quick settlements and compliance with South African regulations.
The platform supports B2B crypto transactions, merchant invoicing, and over-the-counter (OTC) services. Businesses benefit from transparent fees, fast processing, and professional customer support.
FiveWest’s user-friendly dashboard and high-security infrastructure make it one of the most reliable crypto payment gateways in South Africa.
| Feature | Description |
|---|---|
| Headquarters | Cape Town, South Africa |
| Supported Cryptocurrencies | Bitcoin (BTC), Ethereum (ETH), and major altcoins |
| Key Services | Crypto payment gateway, OTC trading, merchant invoicing |
| Conversion Option | Instant crypto-to-fiat conversion |
| Integration Options | API and custom business solutions |
| Settlement Time | Fast settlements within 24 hours |
| Regulation Compliance | Fully compliant with South African financial laws |
| Target Users | Enterprises, payment providers, and merchants |
2. NOWPayments
The NOWPayments platform is also popular among South African merchants. With automatic coin conversion and instantaneous withdrawals to specified wallets, it facilitates rapid crossed cryptocurrencies transactions.
It is also versatile and easily integrated into merchant systems. It provides API integrations and POS systems. It also supplies WooCommerce, Shopify, and many other e-commerce systems plugins.
It offers flexible payment and billing frameworks, mass payouts, and donation systems to incorporated payers, freelancers, and charities.
It also features no asset clouding and competitive transaction fees. It ensures privacy and no asset clouding competitive transaction fees to South African merchants for borderless payment processing.
| Feature | Description |
|---|---|
| Headquarters | Global (supports South Africa) |
| Supported Cryptocurrencies | 200+ coins including BTC, ETH, XRP, and stablecoins |
| Payment Tools | API, POS, donation tools, and e-commerce plugins |
| Automatic Conversion | Yes – converts between supported cryptocurrencies |
| Transaction Fees | Starting from 0.5% |
| Security | Non-custodial; merchant controls funds |
| Integration Platforms | WooCommerce, Shopify, Magento, etc. |
| Ideal For | Online stores, NGOs, freelancers |
3. Stitch Pay
Stitch Pay is a top South African Fintech Platform, providing businesses safe, innovative solutions for payments, both cryptocurrencies, and fiat.
Customers can make payments directly from their bank accounts and crypto wallets, using easy Stitch APIs or payment links.
Like a payment processor, Stitch can be embedded into a merchant’s and their customers’s existing cross-channel systems.
Serving both web and mobile platforms creates consistency. Robust encryption and alignment with South African financial legislation are guaranteed.
Safe and transparent transactions are made possible with Stitch automation of reconciliation, real-time payment tracking, and payment processing for Startups and Enterprises.
Reliability, infrastructure automation, and ease of integration onto existing systems are why modern South African businesses are adopting Stitch Pay as their primary payment gateway.
| Feature | Description |
|---|---|
| Headquarters | Cape Town, South Africa |
| Supported Payment Methods | Bank payments, fiat, and crypto integration |
| Integration Type | APIs, SDKs, and payment links |
| Settlement Speed | Instant to same-day settlements |
| Security | Bank-grade encryption and PCI DSS compliance |
| Business Tools | Reconciliation automation and analytics dashboard |
| Use Cases | Startups, fintechs, and e-commerce merchants |
| Regulatory Compliance | Follows South African financial standards |
4. Plisio
Plisio has become a cryptocurrency payment option for South African merchants. Plisio supports multiple currencies such as Bitcoin, Ethereum, and USDT.
It has rapid APIs, e-commerce add-ons, and tools for mass payouts. For online shops and service distributors, Plisio delivers flexible solutions.
For businesses automating payouts, the service is great, as Plisio instantly converts cryptocurrency to fiat currency.
Users may make session-specific crypto-to-cash conversions to avoid losses from crypto volatility. Users will appreciate the simple commands to access reviews, control invoices, and monitor revenue.
Plisio is simple and effective. The costs are defendable, and the minimum is only 0.5%. Peace of mind is guaranteed. Plisio has military-grade security that is two-factor authenticated and crypto-encrypted.
| Feature | Description |
|---|---|
| Headquarters | Global (supports South African merchants) |
| Supported Cryptocurrencies | 50+ including BTC, ETH, LTC, and USDT |
| Fees | 0.5% per transaction |
| Payment Tools | API, mass payouts, and e-commerce plugins |
| Instant Conversion | Yes – crypto-to-fiat supported |
| Security | 2FA and encrypted transactions |
| Integration Platforms | WooCommerce, PrestaShop, OpenCart, etc. |
| Target Users | Online merchants and service providers |
5. Binance Pay
Binance Pay allows seamless online and offline contactless and borderless cryptocurrency payments through Binance, one of the top cryptocurrency exchanges worldwide.
In South Africa, users and businesses can send/receive payments in more than 70 cryptocurrencies at no cost.
Merchants wishing to use Binance Pay can create simple, instant transfers between Binance accounts and setup cross-border payments and loyalty programs for e-commerce through QR codes and an API.
The speed of service, liquidity, and system protection of users from fraud in the Binance ecosystem is remarkable.
Binance Pay is a reliable service for digital payments in South Africa, considering the reputation of the Binance brand and system security, fraud protection, and no fees for transactions.
| Feature | Description |
|---|---|
| Headquarters | Global (Binance Exchange) |
| Supported Cryptocurrencies | 70+ major coins and tokens |
| Transaction Fees | 0% (free for all users) |
| Integration Options | QR codes, APIs, and in-app payments |
| Security | Binance-grade multi-layered protection |
| Settlement Type | Instant Binance-to-Binance transfers |
| Cross-Border Support | Yes – global coverage |
| Ideal For | E-commerce, freelancers, and digital businesses |
6. Payaza
Payaza is a cutting-edge African payment gateway that enables businesses and consumers seamlessly conduct fiat and crypto transactions.
Payaza enables South African merchants to accept Bitcoin, Ethereum, and other major cryptocurrencies, and converts them to South African Rand.
Payaza ensures easy payment management through API integrations, virtual wallets, and mobile apps.
The platform is designed to be affordable, reliable, and fast—your business, especially a startup or a small business, will be glad to use Payaza.
Payaza also localizes payment options to allow customers use any of the several local payment systems.
Payaza is dedicated to user experience and regional, financial inclusion, and is focused on simplifying crypto use for customers in South Africa.
| Feature | Description |
|---|---|
| Headquarters | Nigeria (operates across Africa including South Africa) |
| Supported Cryptocurrencies | Bitcoin, Ethereum, USDT, and more |
| Payment Methods | Crypto and fiat gateway with API integration |
| Mobile App | Available for Android and iOS |
| Security | End-to-end encryption and KYC verification |
| Conversion | Instant crypto-to-fiat settlement |
| Business Tools | Dashboard, transaction tracking, and invoicing |
| Target Users | SMEs, online businesses, and fintech startups |
7. Ozow
Ozow is a South African Fintech company known for its instant EFT, and digital payment solutions, and recently integrated crypto functionalities that allow merchants to accept digital payments along with crypto.
With Ozow, customers can pay from their bank accounts and crypto wallets safely and instantly. It supports almost all South African banks.
It is also seamless integrated into websites and mobile apps for a smooth Ozow checkout experience. It’s fast and low-cost transactions make it a leader for crypto compatible businesses in South Africa.
| Feature | Description |
|---|---|
| Headquarters | Johannesburg, South Africa |
| Supported Payment Types | Instant EFT, bank-to-bank, and crypto integration |
| Integration Tools | API, mobile SDK, and checkout plugins |
| Settlement Speed | Instant |
| Security | PCI DSS certified and encrypted transactions |
| User Experience | Simple interface with one-click checkout |
| Local Bank Support | Compatible with major South African banks |
| Target Users | Retailers, e-commerce stores, and service providers |
8. Yoco
Yoco is one of the most reputable payment systems in South Africa. This payment processor specializes in helping Small and Medium Enterprises (SMEs) in South Africa
offering card and digital payment solutions, and has incorporated crypto-friendly features as several customers have begun asking for digital currency capabilities.
It is also one of the most innovative payment platforms as it has mobile POS systems, payment links, and APIs for merchants that allow for crypto payments via third-party integrations.
Yoco has worked hard to earn the trust of small business owners, offering them simple systems, transparent pricing, and 24/7 customer support.
It combines fast payment processing and affordable pricing to complete payments on most transactions.
Yoco is helping South Africa’s infrastructure innovate and become more accessible to digital currency.
| Feature | Description |
|---|---|
| Headquarters | Cape Town, South Africa |
| Supported Payments | Card, QR, and integrated crypto options |
| Integration | POS devices, mobile apps, and online payment links |
| Transaction Fees | Low, transparent pricing per transaction |
| Security | PCI DSS compliant and encrypted systems |
| Crypto Support | Through third-party integration |
| Settlement Time | Same-day payouts |
| Target Users | Small and medium-sized businesses |
9. Klasha
Klasha is a Africa-wide payment processing system that makes cross-border transactions possible in crypto and local cash.
Klasha makes it possible for South African firms to take digital currency from international clients and disbursements in ZAR.
Klasha integrates with e-commerce platforms and mobile apps, creating seamless crypto payment ecosystems.
It creates payment links, conducts currency conversions, and gives merchants multi-currency accounts.
Klasha comes with features that ensure safe and compliant transactions across the African continent, having built-in compliance tools.
It has a unique focus on borderless payments which makes it a top platform for South African traders willing to use cryptocurrency for international trade.
| Feature | Description |
|---|---|
| Headquarters | Lagos, Nigeria (operates in South Africa) |
| Supported Cryptocurrencies | Bitcoin, USDT, and other major coins |
| Payment Options | Crypto, cards, and mobile money |
| Conversion Support | Crypto-to-ZAR and multi-currency settlements |
| Integration Tools | Checkout plugins, payment links, and APIs |
| Security | Compliant with African fintech standards |
| Settlement Speed | Instant to 24 hours |
| Use Cases | Cross-border e-commerce and digital merchants |
10. Chipper Cash
Offering instant and free transfers of both crypto and fiat currencies, Chipper Cash is one of Africa’s rapidly expanding fintech services.
Users in South Africa can execute and manage their crypto transactions (spending, sending, and receiving) seamlessly.
Chipper Cash supports Bitcoin, Ethereum, and USDC and allows instant conversion of USDC to South Africa’s Rand.
Merchants can access a simple crypto payment (for their transactions) and business wallets for their customers to accept (for) global payments.
Given its focus on affordability, security, and simplicity, Chipper Cash is best suited for small businesses and freelancers.
Chipper Cash has millions of customers across Africa, and with South Africa recently launched Chipper Cash now supports cross border crypto payments with South Africa.
Chipper Cash helps with financial inclusion and accessibility for crypto payments across South Africa.
| Feature | Description |
|---|---|
| Headquarters | San Francisco, USA (active across Africa) |
| Supported Cryptocurrencies | Bitcoin, Ethereum, USDC |
| Transaction Fees | Free or minimal fees |
| Payment Methods | App-based crypto and fiat transfers |
| Settlement Time | Instant peer-to-peer transactions |
| Security | Biometric verification and encryption |
| Conversion | Crypto to ZAR and vice versa |
| Target Users | Freelancers, small businesses, and everyday users |
Conclsuion
To sum up, payment gateways like FiveWest, Binance Pay, NOWPayments, etc., are transforming digital payments in South Africa.
They facilitate secure, instant, and borderless transactions for both individuals and businesses. With these gateways offering dependable services to meet the rising demand for cryptocurrencies
South Africa’s rapidly evolving fintech landscape is reinforced by the seamless integration of digital currencies with traditional payment systems.
FAQ
A crypto payment gateway allows businesses to accept payments in cryptocurrencies like Bitcoin or Ethereum securely and instantly.
FiveWest, Binance Pay, and NOWPayments are among the best crypto payment gateways in South Africa.
Yes, businesses can accept Bitcoin through gateways like FiveWest, Plisio, and Binance Pay.
Yes, crypto payments are legal and regulated under South Africa’s financial guidelines.
Yes, most gateways like FiveWest and Payaza offer instant crypto-to-fiat conversion.
