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Peach Payments vs rano.
Peach Payments is an online gateway for larger merchants, with many payment methods and plugins. Here’s what the same sale costs on each, from Peach Payments’s published rates with VAT added so both sides compare like for like.
Published rates
The headline prices. As published, checked 11 October 2026.
| Peach Payments | rano (VAT included) | |
|---|---|---|
| Cards | 2.95% + R1.50 excl. VAT | Cost + 1% + R0.50, about 1.93% + R0.50 on a local debit card |
| Pay by bank | 1.5% + R1.50 excl. VAT | R2.50 flat, PayShap or EFT |
| Monthly fee | None on this plan | None |
Peach quotes its Growth plan rates excluding VAT. Saved cards cost R200 a month more (not included); the Enterprise plan has negotiated rates and a R300 monthly account fee.
Source: Peach Payments’s published pricing. rano’s prices are the planned early-access prices; your fees are confirmed in your merchant agreement.
By sale size
What one sale costs. VAT included on both sides.
| Sale | Peach Payments, card | rano, debit card | Peach Payments, bank | rano, PayShap or EFT |
|---|---|---|---|---|
| R 50 | R 3.43 6.86% | R 1.47 2.94% | R 2.59 5.18% | R 2.50 5.00% |
| R 150 | R 6.82 4.55% | R 3.40 2.27% | R 4.31 2.87% | R 2.50 1.67% |
| R 400 | R 15.30 3.82% | R 8.22 2.05% | R 8.63 2.16% | R 2.50 0.63% |
| R 1,500 | R 52.61 3.51% | R 29.45 1.96% | R 27.60 1.84% | R 2.50 0.17% |
| R 5,000 | R 171.35 3.43% | R 97.00 1.94% | R 87.98 1.76% | R 2.50 0.05% |
Where rano costs more: bank payments under R 45, because our fixed part is bigger than Peach Payments’s percentage on a small sale. Above that, the gap grows with every rand.
Where Peach Payments is the better choice
- Peach processes live payments today; rano is in early access and doesn't yet.
- Peach supports more payment methods and more shop-platform plugins.
- Peach offers negotiated enterprise pricing for very large merchants.
Where rano is different
- Every payment itemises the bank, card network and our fee
- A flat R2.50 for PayShap and EFT, whatever the amount
- No monthly, setup or exit fees
- A full test mode with simulated banks and cards
Questions
Peach Payments or rano?
Is rano cheaper than Peach Payments?
On a R400 sale by card, Peach Payments’s published rate comes to R 15.30 and rano’s to R 8.22, VAT included. By bank it’s R 8.63 against rano’s flat R 2.50. rano costs more on bank payments under R 45, These are published rates; Peach Payments may offer you a negotiated rate.
Does rano take live payments yet?
Not yet. rano is in early access: merchants can build against a full test mode now, and live payments start once our sponsor bank is in place and we’re registered as a payment provider. Peach Payments takes live payments today.
Can I move from Peach Payments to rano?
Yes, by integrating the rano API or using payment links and hosted checkout. There’s no minimum term, so you can run rano alongside Peach Payments while you move.
Why does rano show the fee split on every payment?
So you can check it. Every rano payment lists what the customer’s bank, the card network and the acquiring bank took, and what we took. Peach Payments, like most gateways, quotes one blended rate.
More comparisons
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