Peach Payments
Peach Payments is a digital payment gateway based in South Africa, operating across multiple countries in Africa. The service is designed to help businesses accept and process online payments with speed, flexibility, and trust. Peach Payments enables merchants to offer a seamless customer experience while ensuring a safe experience at every step of the transaction process.
This review covers the vendor capabilities of Peach Payments in 2025, based on product ratings, user experience, and available tools. While there is still insufficient data from public surveys to fully assess long-term performance, our analysis includes access to this content based on verified merchant accounts and professional sources.
| Characteristic | Details |
|---|---|
| Regions | Africa (South Africa, Kenya, Mauritius) |
| Getting started | API + portal registration |
| PCI DSS Level | Level 1 |
| Payment methods accepted | Cards, mobile money, EFT, BNPL, etc. |
| Fraud & Risk management | 120+ algorithms, 2FA, tokenization |
| Accepted Currencies | Multiple (local and foreign) |
| Set up type | API, hosted checkout, SDKs |
| Onboarding & Approvals time | Typically days |
| Recurring Billing | Yes |
| SDK Stacks | JS, iOS, Android, server SDKs |
| Payouts support | Yes – suppliers, users, etc. |
| Split payments | Yes |
| RegionsAfrica (South Africa, Kenya, Mauritius) | |
| Getting startedAPI + portal registration | |
| PCI DSS LevelLevel 1 | |
| Payment methods acceptedCards, mobile money, EFT, BNPL, etc. | |
| Fraud & Risk management120+ algorithms, 2FA, tokenization | |
| Accepted CurrenciesMultiple (local and foreign) | |
| Set up typeAPI, hosted checkout, SDKs | |
| Onboarding & Approvals timeTypically days | |
| Recurring BillingYes | |
| SDK StacksJS, iOS, Android, server SDKs | |
| Payouts supportYes – suppliers, users, etc. | |
| Split paymentsYes |
Pros
- Enterprise-grade security with PCI DSS Level 1
- Broad payment method support and multi-currency acceptance
- Recurring billing + payouts + split‑payments built in
- Robust support: 24/7 helpdesk + dedicated account managers
Cons
- Fee structure not clearly published – custom pricing only
- Primarily focused on African markets – limited availability elsewhere
- Settlement and refund charges vary by region and not transparent
- Limited public customer review volume – fewer independent testimonials
Why Businesses Choose Peach Payments for Online Payments
Peach Payments offers businesses in Africa a secure, versatile way to accept and process payments. With tokenization, two‑factor authentication, and customizable fraud detection, it offers high-level protection while streamlining checkout flows. Its multi-currency and payment method support help merchants tap into local and international customers seamlessly. Recurring billing and integrated payouts further enable subscription-based models or supplier disbursements without extra tools.
How to Make the Most of Peach Payments in Your Business Payment Process
Getting started is straightforward: register via the web portal, review documentation, and obtain API keys. Developers can use downloadable SDKs or hosted checkout flows, and test interactions via interactive API playgrounds. Setup usually takes a few days to activate, followed by sandbox testing. Onboarding includes risk review and merchant approval, after which live payments can begin.
Peach Payments Review: Strong Features but Insufficient Data in Public Feedback
Overall feedback indicates reliability and strong integration tools, though independent review volumes remain modest. User testimonials cite ease of integration and improved transaction success rates. Support metrics suggest over 95 % of tickets resolved within ~25 hours and high customer satisfaction, especially among enterprise clients are supported via dedicated account managers.
Is Peach Payments Safe? Security Measures and Risk Management Explained
To date, no major data breach or large‑scale security incident involving Peach Payments has been publicly reported. The platform’s PCI DSS Level 1 certification and token-based storage minimize risk of card data exposure. Peach maintains a fraud prevention policy requiring merchants to report suspicious activity, and fraud cases are acknowledged within 24 hours with full investigation within 14 working days. Its layered controls—including AVS, CVV, 3D Secure, and custom fraud scoring—help merchants reduce chargebacks and account‑takeover incidents.
Peach Payments Business Account Fees: What You Pay and Why
Merchants contact Peach for a tailored fee quote; setup fees and annual fees depend on volume and region. There is no flat public pricing, and refund and chargeback fees vary by acquirer and client contract.
Who Should Use Peach Payments: Business Types That Benefit Most
Peach is suited for e-commerce and subscription businesses targeting African customers, with multi-currency needs and recurring billing. It's ideal for mid-to-large enterprises handling cross-border flows and payouts to suppliers or customers.
Using Peach Payments for In-Store and Physical Customer Payments
Brick‑and‑mortar merchants can use Peach’s point-of-sale solutions and mobile card terminals. The platform supports both online and in-person payments, including split-payment flows at physical venues. Combined with fraud detection, even face-to-face transactions remain protected.
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FAQ
Which currencies can I accept with Peach Payments?
Peach supports both local African currencies and major foreign currencies. Merchants can bill customers in the currency of choice, facilitating international sales and minimizing conversion barriers. Currency selection occurs at checkout and settlements align with merchant account configuration.
How does Peach Payments prevent fraud?
The platform combines PCI DSS Level 1 compliance with tokenization, two‑factor authentication, AVS/CVV checks, 3D Secure, and over 120 customizable fraud-detection rules. Merchants must report suspicious activity and Peach takes immediate action within 24 hours, with investigations concluding within 14 working days.
What’s the typical onboarding time?
Most merchants complete registration and approval in a few business days. After risk and compliance review, you’ll receive API credentials, and integration testing can begin immediately. Enterprise clients get dedicated account managers to guide their setup.
Are recurring payments and split payouts supported?
Yes—Peach supports subscription billing workflows, automated recurring charges, and programmable payout flows. Businesses can issue payouts to vendors or customers and manage split transactions within one developer interface.
Is customer support reliable?
Peach provides round-the-clock support, with over 95 % of tickets resolved within about 25 hours. Enterprise accounts benefit from dedicated account managers and faster service turnaround.
