Head-to-Head Specification Audit
Peach Payments vs Termii
South African Payment Gateway · South Africa
Specification Matrix
| Metric | Peach Payments | Termii |
|---|---|---|
| Starting Price | $0/moTie | $0/moTie |
| API Rate Limit | 100 req/min | 500 req/minBetter |
| Target Country | South Africa | Africa |
| Category | Payments Platform | Communication APIs |
| Compliance (vendor-stated) | PCI-DSS, POPIA | NDPA |
| Hosting Regions | AF-South | NG-Lagos |
| Native Integrations | 5 listedBetter | 4 listed |
Peach Payments — Key Specs
Vendor-stated- ✓Leading South African payment gateway for e-commerce
- ✓All SA payment methods: Visa/MC, Ozow EFT, Capitec Pay, SnapScan, Zapper
- ✓Lists POPIA compliance framework — ZA data residency (vendor-stated)
- ✓PCI DSS Level 1 certified
Termii — Key Specs
Vendor-stated- ✓SMS, OTP, and WhatsApp messaging API built for African networks
- ✓Highest delivery rates on African mobile networks vs global providers
- ✓Supports MTN, Airtel, Glo, 9mobile, Safaricom, and other African networks
- ✓OTP delivery optimised for low-bandwidth African mobile connections
Frequently Asked Questions
Which is lower-priced, Peach Payments or Termii?+
Both tools start at Free plan available on their entry plans.
Which compliance frameworks do Peach Payments and Termii list?+
Peach Payments additionally lists PCI-DSS, POPIA. Termii additionally lists NDPA. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Does Peach Payments or Termii list POPIA as a supported compliance framework?+
Peach Payments lists POPIA (Protection of Personal Information Act) as a supported compliance framework per its vendor documentation. VektorIndex has not independently verified this claim. South African organisations should request the vendor's current Data Processing Agreement and confirm data residency settings before processing personal information. Termii does not list POPIA as a supported compliance framework in its public documentation. Contact the vendor to confirm their position before processing South African personal information.
Which has a higher documented API rate limit — Peach Payments or Termii?+
Termii has a higher documented API rate limit at 500 req/min versus Peach Payments at 100 req/min.
Which data hosting regions do Peach Payments and Termii support?+
Peach Payments lists hosting regions: AF-South. Termii lists hosting regions: NG-Lagos. For data residency requirements in South Africa, confirm exact region configuration directly with each vendor.
Data last updated: 29 August 2026 — Sourced from official vendor documentation. Not independently audited. Report incorrect information
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