specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Peach Payments
providerId: peachpayments
created: '2026-07-17'
modified: '2026-07-17'
reconciled: false
tags:
- Payments
- Fintech
- Africa
- Payment Gateway
- Plans
description: >-
  Peach Payments uses custom, volume-based merchant pricing rather than
  published API tiers. Standard accounts are commonly quoted around 2.95% +
  R1.50 per successful card transaction, while Enterprise accounts pay a fixed
  monthly fee (commonly cited around R500/month) for negotiated volume-based
  rates, daily settlements, and PayPal access. International cards carry an
  additional currency-conversion fee (commonly 2.5-3.5%), and disputes/
  chargebacks are billed per event (commonly R350). API access itself is not
  separately metered; you pay per processed transaction. Exact rates are
  negotiated with the sales team.
notes: >-
  Figures are representative rates cited by third-party comparisons and the
  Peach Payments fees page; Peach does not publish a fixed public rate card.
  Verify current rates directly with Peach Payments sales. Currency is South
  African Rand (ZAR); Peach also processes KES (Kenya) and MUR (Mauritius).
sources:
- https://www.peachpayments.com/fees/
- https://www.peachpayments.com/about/
plans:
- id: peachpayments-standard
  name: Standard
  type: usage
  description: >-
    Per-transaction pricing for standard merchant accounts, aggregated onto
    Peach Payments' merchant facility.
  entries:
  - label: Card Transaction (domestic)
    name: card_domestic
    type: usage
    metric: transaction
    limit: -1
    timeFrame: month
    geo: ZA
    unit: 1
    price: ~2.95% + R1.50 per successful transaction (representative)
    userMultiplied: false
  - label: International Card Conversion
    name: card_intl_conversion
    type: usage
    metric: transaction
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: ~2.5%-3.5% currency conversion on top of transaction fee
    userMultiplied: false
  - label: Dispute / Chargeback
    name: dispute
    type: usage
    metric: event
    limit: -1
    timeFrame: month
    geo: ZA
    unit: 1
    price: ~R350 per dispute (representative)
    userMultiplied: false
  elements:
  - name: Hosted Checkout
  - name: Embedded Checkout
  - name: Payment Links
  - name: Local Payment Methods (PayShap, Capitec Pay, 1Voucher, Mobicred, M-PESA)
- id: peachpayments-enterprise
  name: Enterprise
  type: enterprise
  description: >-
    For merchants with their own merchant account or high volumes: negotiated
    volume-based rates, daily settlements, PayPal access, and a fixed monthly
    platform fee. Contact Peach Payments sales.
  entries:
  - label: Monthly Platform Fee
    name: enterprise_monthly
    type: flat
    metric: subscription
    limit: -1
    timeFrame: month
    geo: ZA
    unit: 1
    price: ~R500/month (representative) + negotiated per-transaction rates
    userMultiplied: false
  elements:
  - name: Negotiated Volume Rates
  - name: Daily Settlements
  - name: PayPal Access
  - name: Payouts API
  - name: Reconciliation API
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com