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Head-to-Head Specification Audit

Peach Payments vs Yoco

South African Payment Gateway · South Africa

Payments Platform

Peach Payments

South African Payment Gateway · South Africa

Visit Peach Payments

Payments Platform

Yoco

South African SMB POS & Payments · South Africa

Visit Yoco

Specification Matrix

MetricPeach PaymentsYoco
Starting PriceCustomBetterCustom
API Rate Limit100 req/minBetter80 req/min
Target CountrySouth AfricaSouth Africa
CategoryPayments PlatformPayments Platform
CompliancePCI-DSS, POPIAPOPIA, PCI-DSS
Hosting RegionsAF-SouthAF-South
Native Integrations5 listedBetter4 listed

Peach Payments — Key Specs

  • Leading South African payment gateway for e-commerce
  • All SA payment methods: Visa/MC, Ozow EFT, Capitec Pay, SnapScan, Zapper
  • POPIA compliant — ZA data residency
  • PCI DSS Level 1 certified

Yoco — Key Specs

  • Dominant SMB card payment solution in SA — 150,000+ businesses
  • No monthly fee — pay per transaction only
  • Mobile POS device available nationwide
  • Business capital lending based on transaction history

Frequently Asked Questions

What is cheaper, Peach Payments or Yoco?+

Both tools start at $0/mo on their entry plans.

Which tool is better for compliance — Peach Payments or Yoco?+

Both support PCI-DSS, POPIA.

Is Peach Payments or Yoco compliant with South Africa's POPIA?+

Both Peach Payments and Yoco support POPIA compliance frameworks according to their official documentation.

Which has a higher API rate limit — Peach Payments or Yoco?+

Peach Payments has a higher API rate limit at 100 requests per minute. Peach Payments: 100 req/min. Yoco: 80 req/min.

Which tool is better suited for South Africa?+

Peach Payments is evaluated for South African Payment Gateway in South Africa with hosting regions: AF-South. Yoco has hosting regions: AF-South. For data residency in South Africa, check each vendor's data processing agreements.

Data last verified: 26 June 2026

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