5 min read · Updated 2026
Yoco vs SnapScan vs PayFast vs Zapper: getting paid in South Africa
How South African freelancers and small businesses can accept card, QR, EFT and online payments — Yoco, SnapScan, PayFast, Zapper and plain EFT compared.
Quick answer
For most freelancers, EFT on a proper invoice is cheapest. Add a card machine (Yoco) for in-person sales, a QR code (SnapScan or Zapper) for quick payments, and an online gateway (PayFast) to accept card and Instant EFT on a website or payment link.
Plain EFT
- Cheapest — only normal bank fees
- Put banking details and a reference on every invoice
- Ask for proof of payment and check your bank before releasing work
Yoco
- Card machines and online payment links
- No monthly fee; pay a percentage per transaction
- Good for markets, salons, food stalls and on-site services
SnapScan and Zapper
- Customers scan a QR code with their banking or wallet app
- No hardware needed — print the code
- Popular for small retailers and events
PayFast
- Online gateway: card, Instant EFT, SnapScan, Zapper and more
- Payment links and website checkout
- Used by many South African online shops — including ours
Tips
- Compare current fees on each provider's site — they change
- Factor transaction fees into your prices
- Issue a receipt for every payment
Frequently asked questions
What's the cheapest way to get paid?
Bank EFT with a clear invoice and reference.
Do I need a business bank account?
Most providers ask for one for payouts, and it makes your records and tax much easier.
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General information only, based on South African legislation as of 2026. Confirm your situation with a registered tax practitioner or attorney.