Question
How Much Does a Card Machine Cost in South Africa? (2026)
Every card machine price in South Africa, to buy or rent, with the deals, what you pay on each sale, and what a year really costs.
Some links here are referral links, and where a provider gives our readers a better price than its own site, that is the price you get by using one. It costs you nothing extra, and every option here is judged on the same test either way.
The answer
R699 to R7 499
to buy a card machine, once-off
Card machines in South Africa cost from R699 to R7 499 to buy. The cheapest are the Yoco Khumo 2 and iKhokha's iK Flyer Lite, both R699.
Both companies give an extra discount through the links on this page: R100 off the Khumo 2, which makes it R599, and 10% off the iK Flyer Lite, which makes it R629.
If you want printed slips, the Khumo Print 2 is R1 399 and the iK Flyer R1 499. HelloPay's machines run from R999 to R7 499, WAPPoint's SquarePOS RX is R3 199 excluding VAT, and Adumo quotes each business its own price.
You can also rent one from R189 a month at WAPPoint, or from R299 at HelloPay. Unless your card sales are very low, the fee on every sale adds up to more over a year than the machine did: 2.10% to 2.75% excluding VAT.
| Card machine | Your price | Fee per sale | |
|---|---|---|---|
 Yoco Khumo 2 |
R599 | 2.30% | Get R100 off → |
 iKhokha iK Flyer Lite |
R629 | 2.10% | Get 10% off → |
 HelloPay SWIPA |
R999 | From 1.2%, by volume | See HelloPay → |
 Yoco Khumo Print 2 |
R1 299 | 2.30% | Get R100 off → |
 iKhokha iK Flyer |
R1 349 | 2.10% | Get 10% off → |
| HelloPay All in One Touch |
R1 999 | From 1.2%, by volume | See HelloPay → |
Every machine under R2 000 from these companies, with each company's extra discount from the links on this page already taken off the price. With its deal, the Yoco Khumo 2 is the cheapest to buy at R599, and Yoco's 2.30% is the lowest fixed fee. The cheapest way to start is a WAPPoint rental from R200. Fees are per local card sale and exclude VAT.
Prices confirmed 5 November 2026
A card machine's price is only the first part of what it costs you. You also pay a fee on every card sale for as long as you use it, and some machines add a monthly rental, a SIM or a charge each time you're paid.
So this answer gives you the whole picture before you buy. I'll start with the machines under R1 000, then the ones from R1 000 to R2 000, the bigger ones over R2 000 and the ones you can rent, each with its price and the deal on it.
Then, for every company here, you'll see what it takes on each sale and what a year comes to once the fees are added. That way you know what you're signing up for, and what to expect each month, before you pay for anything.
What a card machine costs to buy
I've put every machine's price side by side below, so you don't need to open five tabs to compare them. Where a company gives an extra discount through the links in this article, the price you see is what you'll pay with it, and the company's own price is struck through beside it, so you can compare the two when you land on its site.
I've kept to Yoco, iKhokha, WAPPoint, HelloPay and Adumo, because they're easier to start with than a bank's merchant account. Each machine has a quick review you can open, with what it does, what to weigh it against and where to read more.
Card machines under R1 000
Under R1 000 you get a machine that takes every card and phone payment, and on Yoco and iKhokha nothing monthly to keep it. What you give up at this price is the printer.
Yoco Khumo 2
2.30% excl. VAT a sale, with 4G data and free payouts included.
My quick review of the Khumo 2, the cheapest machine to own
For most small businesses this is where I'd start. It's R699 once and nothing monthly on Yoco's free Core plan, with 4G data included, and the fee is 2.30% excluding VAT on a local card sale. Payouts are free in one to two business days, or by 8am the next day with Fast Payout. It doesn't print, so receipts go by SMS or email. The full Khumo 2 review goes through it in detail.
Where it stands out
- Built-in 4G with unlimited data, and Wi-Fi, at no extra cost
- Up to 18 hours on one charge
- Tips, split bills, refunds and staff profiles on the machine
- Delivered free in up to 3 days, or collected from over 300 stores
Buy it if
- You want the lowest cost to own, with nothing to pay monthly
- Receipts by SMS or email suit your customers
Skip it if
- Customers expect a printed slip: the Khumo Print 2 prints
- Customers ask you for airtime or electricity, which iKhokha's machines sell
If you skip it, the best alternative
The same R699, and it sells prepaid, with a slightly lower fee, 2.10% against Yoco's 2.30%. But data costs R75 a month and payouts R2.50 a day, where Yoco includes its data and pays out free, so on mobile data it costs a little more to run below about R61 000 a month.
Read our full iKhokha reviewThe plans
You pay for the Khumo 2 once: R699 for the machine, or R599 with the R100 off Yoco gives through the discount links on this page. After that, the plan you choose decides two things, what you pay each month and what Yoco takes from each card sale. Most small businesses stay on Core, which costs nothing a month. The paid plans lower the fee a little and add tools, so pick one for the tools rather than the saving.
Core
R0a month
What you get
- 2.30% on local cards, up to R50 000 a month
- 1.35% on local debit cards above R50 000
- Yoco POS, payment links and invoices
- Payouts to any bank, free in 1 to 2 business days
Terms
- International cards 3.20%
- Instant Payout 1.5%, minimum R17.25
- Fast Payout, by 8am the next day, 0.75%, minimum R7.50
The plan to start on, and the one most people stay on.
Plus
R249a month per shop
What you get
- 2.10% on local debit, 2.20% on credit, up to R50 000
- A loyalty programme at checkout
- Appointment bookings
- More than one shop on one account
Terms
- 30 days free
- International cards 3.10%
On fees alone it saves R100 a month at R50 000 in debit sales, so choose it for loyalty or bookings.
Pro
R499a month per shop
What you get
- 1.95% on local debit, 2.15% on credit, up to R50 000
- Fast Payout by 8am, free for now
- Table-side ordering
- Advanced staff permissions and accounting links
Terms
- 30 days free
- International cards 3.05%
Built for restaurants that take orders at the table.
Prices and plans from yoco.com on 21 Oct 2026. Plan fees are per location and exclude VAT; card fees are on local cards up to R50 000 a month.
iKhokha iK Flyer Lite
2.10% a sale, and it sells prepaid to your customers while they pay.
My quick review of the iK Flyer Lite, for selling on the move
If customers often ask you for airtime or electricity, this is the machine that turns those requests into extra sales. It costs the same R699 as the Khumo 2 and sells prepaid airtime, electricity and gaming vouchers on the spot. Its fee is 2.10% excluding VAT a sale (1.85% if you bank with Nedbank), plus R2.50 a day for payouts and R75 a month for its SIMs unless you work on Wi-Fi. It's small and lasts all day, so it suits market stalls, food trucks and deliveries. The iKhokha review covers it in full.
Where it stands out
- Sells prepaid airtime, electricity and gaming vouchers
- Two SIM cards, and Wi-Fi
- An all-day battery
- A 30-day money-back guarantee
Buy it if
- Customers ask you for airtime or electricity
- You sell at markets, from a food truck or on deliveries
Skip it if
- You need printed receipts: the iK Flyer prints
- Some customers still pay by the card's stripe: it takes tap and chip only
If you skip it, the best alternative
The same R699, with data included and free payouts, so it costs a little less to run below about R61 000 a month, even though its fee is slightly higher (2.30% against 2.10%). The iK Flyer Lite sells prepaid airtime and electricity, and its SIMs cost R75 a month.
Read our full Khumo 2 reviewPrices from ikhokha.com on 4 Nov 2026; the struck price is iKhokha's own.
HelloPay SWIPA
Its fee is set by your volume, from as low as 1.2% excl. VAT.
My quick review of the SWIPA, HelloPay's entry machine
If you'd like your fee to fall as your card sales grow, HelloPay is built around that. The SWIPA is its standalone machine for R999: it works on Wi-Fi or its own mobile connection, with no phone needed, and there are no registration, activation or service fees. The fee is set by your volume, from as low as 1.2% excluding VAT, so a busy shop can pay less per sale than Yoco's 2.30%. In a month under R15 000 it adds R100, and a refund can't go back onto a customer's card.
Where it stands out
- No registration, activation or service fees
- Wi-Fi, plus 4G, 3G or 2G
- Receipts by SMS, or a QR code for the customer
- A free business portal
Buy it if
- You take a good amount on card each month and want a rate set for your volume
- You want a standalone machine for under R1 000
Skip it if
- Your card sales are under R15 000 a month: HelloPay adds R100 in those months
- You need to refund a sale to the customer's card
If you skip it, the best alternative
R300 more to buy, but its fee can fall below Yoco's 2.30% as your volume grows. Yoco's fee is fixed, and it charges nothing in a quiet month.
Read our full Khumo 2 reviewPrices from hellopay.co.za on 14 Oct 2026. HelloPay's fee is set by your card volume, from as low as 1.2% excluding VAT.
If the lowest price is all you're after, the cheapest card machine guide ranks the cheapest ones side by side. And if you sell from a market stall, the guide for market traders covers which machines suit you.
Card machines from R1 000 to R2 000
Between R1 000 and R2 000 you're mostly paying for a printer, so customers walk away with a slip. That matters most at a counter, in a salon or in a restaurant, where people expect one.
Yoco Khumo Print 2
The Khumo 2 with a printer and a bigger screen, at the same 2.30% fee.
My quick review of the Khumo Print 2, for a counter that prints
If your customers expect a printed slip, this is the one to get. It's the Khumo 2 with a printer and a bigger screen, for R1 399 once, and it costs nothing monthly on Yoco's free Core plan, at the same 2.30% excluding VAT a sale. It prints receipts, itemised bills and order slips, so a café or a salon doesn't need a separate printer. The Yoco review puts it next to the Khumo 2.
Where it stands out
- Prints receipts, itemised bills and order slips
- A bigger screen than the Khumo 2
- 4G with unlimited data, and Wi-Fi
- Nothing to pay monthly on the free Core plan
Buy it if
- Your customers, or your books, need a printed slip
- You run a counter, a salon or a small restaurant
Skip it if
- Receipts by SMS are fine: the Khumo 2 does the rest for R700 less
- You'd rather pay monthly than upfront
If you skip it, the best alternative
It prints prepaid vouchers, which the Khumo Print 2 doesn't, and its fee is slightly lower, 2.10% against 2.30%. It costs R100 more, and adds R75 a month for SIMs and R2.50 a day for payouts.
Read our full iKhokha reviewThe plans
You pay for the Khumo Print 2 once: R1 399 for the machine, or R1 299 with the R100 off Yoco gives through the discount links on this page. After that, the plan you choose decides two things, what you pay each month and what Yoco takes from each card sale. Most small businesses stay on Core, which costs nothing a month. The paid plans lower the fee a little and add tools, so pick one for the tools rather than the saving.
Core
R0a month
What you get
- 2.30% on local cards, up to R50 000 a month
- 1.35% on local debit cards above R50 000
- Yoco POS, payment links and invoices
- Payouts to any bank, free in 1 to 2 business days
Terms
- International cards 3.20%
- Instant Payout 1.5%, minimum R17.25
The plan to start on, and the one most people stay on.
Plus
R249a month per shop
What you get
- 2.10% on local debit, 2.20% on credit, up to R50 000
- A loyalty programme at checkout
- Appointment bookings
- More than one shop on one account
Terms
- 30 days free
- International cards 3.10%
On fees alone it saves R100 a month at R50 000 in debit sales, so choose it for loyalty or bookings.
Pro
R499a month per shop
What you get
- 1.95% on local debit, 2.15% on credit, up to R50 000
- Free fast payouts
- Table-side ordering
- Advanced staff permissions and accounting links
Terms
- 30 days free
- International cards 3.05%
Built for restaurants that take orders at the table.
Prices and plans from yoco.com on 21 Oct 2026. Plan fees are per location and exclude VAT; card fees are on local cards up to R50 000 a month.
iKhokha iK Flyer
A printing touchscreen that sells and prints airtime and electricity. 2.10% a sale.
My quick review of the iK Flyer, iKhokha's printing machine
If you sell airtime and electricity at a counter and want to hand over a printed slip, this is iKhokha's machine for it. It prints receipts and the prepaid vouchers themselves on a touchscreen, for R1 499 once. You pay 2.10% excluding VAT a sale, R2.50 a day for payouts and R75 a month for SIMs (nothing on Wi-Fi), so on mobile data it costs a little more to run than Yoco's printing machine below about R61 000 a month. The iKhokha review goes through it.
Where it stands out
- Prints receipts and prepaid vouchers
- Takes tap, chip and stripe
- Two SIM cards, and Wi-Fi
- A 30-day money-back guarantee
Buy it if
- You hand customers a printed slip
- You sell airtime or electricity at the counter
Skip it if
- You don't need to print: the Lite is R800 less
- The fee per sale matters most to you
If you skip it, the best alternative
R100 less to buy (R1 399 against R1 499), with data included and free payouts, though its fee is slightly higher (2.30% against 2.10%). The iK Flyer prints prepaid vouchers too.
Read our full Yoco reviewPrices from ikhokha.com on 4 Nov 2026.
HelloPay All in One Touch
Prints and sells prepaid. R1 999 once, or R299 a month to rent.
My quick review of the All in One Touch, to buy or to rent
If you'd rather rent than pay upfront, and you sell prepaid at the counter, this machine does both. It prints receipts and sells airtime, electricity and vouchers, for R1 999 once or R299 a month. Like every HelloPay machine, its fee is set by your card volume, from as low as 1.2% excluding VAT, with R100 added in any month under R15 000.
Where it stands out
- Prints receipts
- Sells airtime, electricity and vouchers
- Buy it or rent it
- A free business portal
Buy it if
- You'd rather rent than pay upfront
- You sell prepaid at the counter
Skip it if
- Your card sales are under R15 000 a month: HelloPay adds R100 in those months
- You need to refund a sale to the customer's card
If you skip it, the best alternative
Both print and sell prepaid. The iK Flyer is R500 less to buy and its fee is 2.10%, or 1.85% on Nedbank; this one can be rented for R299 a month, and its fee is set by your volume.
Read our full iKhokha reviewThe packages
- Buyprinter, prepaid salesR1 999
- Rentthe same machine, monthlyR299 a month
Prices from hellopay.co.za on 14 Oct 2026. HelloPay's fee is set by your card volume, from as low as 1.2% excluding VAT.
For a sit-down business, the restaurant guide and the salon guide go through which machine suits each.
Card machines over R2 000
Over R2 000 you're paying for a bigger battery, a bigger screen or a machine built for a busy counter. HelloPay sells two of them, and Adumo, which works with growing businesses and large enterprises alike, quotes each business its own price through an account manager.
HelloPay Touch Point Pro
A printing machine with a super-capacity battery. Or R399 a month to rent.
My quick review of the Touch Point Pro, for long days away from a plug
If you're on your feet all day away from a plug and still need to print, this is the HelloPay machine for it. It has a super-capacity battery and a printer, for R2 999 once or R399 a month. Like every HelloPay machine, its fee is set by your card volume, from as low as 1.2% excluding VAT, with R100 added in any month under R15 000.
Where it stands out
- Prints receipts
- A super-capacity battery
- Takes tap, chip and stripe
- A free business portal
Buy it if
- You trade long days and need a printed slip
- You'd rather rent a printing machine
Skip it if
- Your card sales are under R15 000 a month: HelloPay adds R100 in those months
- You need to refund a sale to the customer's card
If you skip it, the best alternative
Yoco's printing machine is R1 600 less to buy, with a fixed 2.30% fee and nothing monthly. This one can be rented, and its fee is set by your volume.
Read our full Yoco reviewThe packages
- Buyprinting card machineR2 999
- Rentthe same machine, monthlyR399 a month
Prices from hellopay.co.za on 14 Oct 2026. HelloPay's fee is set by your card volume, from as low as 1.2% excluding VAT.
HelloPay TOUCH PRO
HelloPay's biggest machine, with a counter cradle for R750 more. Or R499 a month.
My quick review of the TOUCH PRO, HelloPay's biggest machine
This one is for a busy counter that wants a bigger machine on a cradle. It's HelloPay's largest, at R7 499 plus R750 for the cradle, or R499 a month, and it prints. For most small businesses it's more machine than they need, because Yoco's printing machine does the same job for R1 399. Like every HelloPay machine, its fee is set by your card volume, from as low as 1.2% excluding VAT, with R100 added in any month under R15 000.
Where it stands out
- Prints receipts
- A super-capacity battery
- A cradle for the counter, R750 extra
- Buy it or rent it
Buy it if
- You run a busy counter and want a large machine
- You'd rather rent than pay R7 499 upfront
Skip it if
- Your card sales are under R15 000 a month: HelloPay adds R100 in those months
- You need to refund a sale to the customer's card
If you skip it, the best alternative
Yoco's printing machine does the same job for R6 100 less, with a fixed 2.30% fee. The TOUCH PRO can be rented, and its fee is set by your volume.
Read our full Yoco reviewThe packages
- Buycard machine; cradle R750 extraR7 499
- Rentthe same machine, monthlyR499 a month
Prices from hellopay.co.za on 14 Oct 2026. HelloPay's fee is set by your card volume, from as low as 1.2% excluding VAT.
Adumo PAX A910S
On adumo Flow, with a printer and 4G, and no settlement fees into any bank.
My quick review of Adumo's PAX A910S, on a quote
If your business has grown past the point where a fixed price list suits you, Adumo is worth a conversation. It works with growing businesses and large enterprises alike, and instead of a public price list you get an account manager and a fee agreed for your business. Small businesses start on adumo Flow with the PAX A910S, a 4G machine with a printer and two SIMs, and the money settles into any bank account with no settlement fees. Adumo names supermarkets, pharmacies, hardware and fashion stores and takeaways as its fit.
Where it stands out
- Settlement into any bank, with no settlement fees
- Wi-Fi, Bluetooth and 4G, two SIMs and a printer
- QR payments and card-linked instalments
- 24/7 support and an account manager
Buy it if
- You run a supermarket, pharmacy, hardware or fashion store, or a takeaway, which Adumo names as its fit
- You'd like a rate set for your business
Skip it if
- You want to order today without speaking to anyone: Yoco and iKhokha sell online
If you skip it, the best alternative
The Khumo 2 is R699 with a fixed 2.30% fee, and you can order it today. Adumo starts with a conversation, and in return you get a rate set for your business and an account manager.
Read our full Khumo 2 reviewFrom adumo.com on 4 Nov 2026. The PAX A920 Pro comes with adumo Infinite.
WAPPoint sells its machines in this range too, at R3 199 and R3 899 excluding VAT, but most of its customers rent them, so you'll find WAPPoint in the rentals below. If power cuts worry you more than price, the load shedding guide shows which machines keep working through a power cut.
Renting a card machine instead
If you'd rather not pay upfront, WAPPoint rents its machines from R189 a month, and the rental falls away in any month your card sales clear its threshold. HelloPay's machines above can be rented too, for R299, R399 or R499 a month.
WAPPoint SquarePOS RX
R200 to set up, plus R50 a month insurance. From 2.75% a sale.
My quick review of the SquarePOS RX, the cheapest way to start
If R699 upfront is out of reach right now, this is the cheapest way to start taking cards. WAPPoint rents it for R189 a month plus R50 insurance, after R200 to set up, and the R189 falls away in any month you take more than R15 000 on card. So a busy month costs you R50 and a quiet one R239. You can also buy it for R3 199 excluding VAT. The WAPPoint review explains the threshold in full.
Where it stands out
- No rental in any month above R15 000
- R200 to start
- Vodacom or MTN 4G, and Wi-Fi
- An all-day battery
Buy it if
- You can't put R699 down today
- You take more than R15 000 a month on card most months
Skip it if
- Your card sales are small: below R15 000 you pay R239 a month
- You'd rather own the machine from day one for less
If you skip it, the best alternative
R499 less to start (R200 against R699), but below R15 000 a month it costs R239 every month, where the Khumo 2 costs nothing monthly.
Read our full Khumo 2 reviewThe packages
- RentR200 setup, R50 a month insuranceR189 a monthNo rental in any month above R15 000
- Buyexcluding VATR3 199
Prices from wappoint.co.za on 4 Nov 2026; machine prices exclude VAT.
WAPPoint PrintPOS
WAPPoint's printing machine. R200 setup, R50 a month insurance.
My quick review of the PrintPOS, WAPPoint's printing rental
If you run a busy counter and want a printing machine without paying for it upfront, WAPPoint rents this one for R299 a month plus R50 insurance, after R200 to set up. The rental falls away in any month you take more than R45 000 on card, so it suits a shop that clears that most months. For R50 a month more it sells prepaid through WAPPoint's VAS app, and you can buy it for R3 899 excluding VAT. The WAPPoint review covers its range.
Where it stands out
- Prints receipts
- No rental in any month above R45 000
- Prepaid sales through the VAS app, R50 a month
- From 2.75% a sale
Buy it if
- You run a busy counter that clears R45 000 a month on card
- You want to rent a printing machine
Skip it if
- Your turnover is lower: the R299 rental stays every month
- You'd rather pay once: Yoco's printing machine is R1 399
If you skip it, the best alternative
Both print and can sell prepaid. The iK Flyer is R1 499 once with nothing monthly but R75 SIMs; the PrintPOS costs nothing to rent once you're above R45 000 a month.
Read our full iKhokha reviewThe packages
- RentR200 setup, R50 a month insuranceR299 a monthNo rental in any month above R45 000
- Buyexcluding VATR3 899
Prices from wappoint.co.za on 4 Nov 2026; machine prices exclude VAT.
Renting only wins if your card sales stay above the threshold, or if paying R699 today isn't possible. The WAPPoint review works through the thresholds machine by machine.
What you pay on every sale
The fee per sale is a percentage of every card payment, so it grows with your turnover and never stops. iKhokha now starts at 2.10% Excluding VATThe rate before 15% VAT is added, which is how almost every South African provider quotes. A rate of 2.30% excl. VAT actually bills you 2.645%, so two quotes are only comparable once you know which basis each is on.On a R100 sale2.30% excluding VAT is R2.30, and with 15% VAT on top the company keeps R2.65 of your R100. Every company here quotes its fee the same way.Card machine fees in South Africa are quoted before VAT, and the amount that actually leaves your sale is the fee plus 15%. If your business is VAT-registered you claim that VAT back; if it isn't, add 15% to every fee in this answer.See every term in the glossary, or 1.85% if you bank with Nedbank. Yoco takes 2.30% on local cards on Yoco CoreYoco's standard plan, and the one almost every small business is on. It costs R0 a month, charges 2.30% excluding VAT per local card sale, and includes unlimited mobile data on the machine's multi-network SIM at no extra cost. Instant Payout costs a flat R17.25 for a payout under R1 000 and 1.5% above that on Core, for up to R10 000, once a day.What it costs youR0 a month. On R20 000 a month in card sales you pay R460 a month in fees on it, and nothing else.Core is Yoco's free plan and the one almost every small business is on. There's no monthly fee, the point-of-sale software is included, and the fee is 2.30% excluding VAT on local cards up to R50 000 a month. Yoco's paid plans lower the fee for R249 or R499 a month.See every term in the glossary, which is free. WAPPoint starts at 2.75%. HelloPay sets its fee by your volume, from as low as 1.2%, and Adumo agrees a fee with each business, so with either one, set the fee you're offered against Yoco's 2.30% before you sign.
Around the fee sit the smaller charges, such as being paid, mobile data, a rental below a threshold, and HelloPay's charge for a quiet month. They're all in the table below, and the card machine fees guide explains each one in full.
What each company takes on a local card sale, and what it charges around it:
Card machine fees in South Africa
| Fee per sale | Getting paid | Monthly extras | |
|---|---|---|---|
| Yoco | 2.30% | Free, 1-2 business days | None, data included |
| iKhokha | 2.10%, or 1.85% on Nedbank | R2.50 a payout | SIMs R75, or R0 on Wi-Fi |
| WAPPoint | From 2.75% | Free, 1-2 days |
|
| HelloPay | From 1.2%, by volume | Above R300, within 24 hours | R100 in a month under R15 000 |
| Adumo | Agreed with you | No settlement fees | Agreed with you |
Yoco's fee falls to 1.35% on local debit cards above R50 000 a month, and its Instant Payout costs 1.5% with a minimum of R17.25 if you want your money sooner.← scroll sideways on a narrow screen →
The fee on every sale is the bigger cost: at R20 000 a month in card sales, 2.10% is R5 040 a year, 2.30% is R5 520 and 2.75% is R6 600.
Capitec's own machine is R699 with a fee of 1.85%, but it pays only into a Capitec account. Our Capitec vs Yoco comparison works out when that's worth it.
What a year costs at your turnover
Set the slider to your own monthly card sales. Yoco costs least to run across it, because nothing is added to its fee, even though iKhokha's fee per sale is now lower; WAPPoint costs least to start, and its rental falls away above R15 000. Multiply the monthly total by twelve and add the machine, and you have your year.
-
Yoco2.30% + R0/moWhere it wins: nothing monthly, so the lowest total across this slider
R460
-
iKhokha2.10% + R140/mo with SIMs and payoutsWhere it wins: the lowest fee per sale, it sells prepaid, and same-day money on Nedbank for R2.50
R560
-
WAPPoint2.75% + R239/mo below R15 000, R50 aboveWhere it wins: R200 to start
R600
- HelloPay sets its fee by your card volume, from as low as 1.2% excluding VAT, so your rate depends on your turnover. Ask for it before you sign; it also adds R100 in a month under R15 000. See HelloPay
- Adumo works with growing businesses and large enterprises, and agrees a rate with each one through an account manager. On a higher turnover, a rate agreed for you can beat a price list. Ask for your rate
becomes the cheaper one above about a month. The answer changes with how you trade, not with who is paying us.
Why one name stays on top: Yoco's total is lowest across this slider. iKhokha's fee per sale is lower at 2.10%, but its SIMs and payouts add about R140 a month, and WAPPoint adds its rental and insurance. Confirmed 5 November 2026.
Each company's local-card fee, excluding VAT, plus its monthly costs: iKhokha's R75 SIMs and about R65 in payouts; WAPPoint's R189 rental (gone above R15 000) and R50 insurance. The machine itself isn't in the monthly total.
Yoco wins on fees here. It costs you R140 less a month than the most expensive here
That is R1 680 over a year at this turnover, before any of them negotiates.
So, how much does a card machine cost?
Between R699 and R7 499 to buy, or from R189 a month to rent, plus 2.10% to 2.75% of every card sale. For most small businesses that means about R700 upfront and, at R20 000 a month in card sales, R6 219 to R7 419 in the first year once the machine, the fees and the extras are added up.
The cheapest to own is the Yoco Khumo 2, because nothing is added to its fee. The cheapest to start is a WAPPoint rental at R200. And if customers ask you for airtime, the iK Flyer Lite costs the same R699 and earns some of the difference back.
Before you buy, use the deals on this page. With the discount links here, Yoco takes R100 off the Khumo 2 and the Khumo Print 2, and iKhokha takes 10% off its machines, so the two cheapest come to R599 and R629.
Small businesses that want the lowest total cost, with nothing to pay monthly.
Yoco Khumo 2
R699once-off
R0 a month on Yoco's free Core plan, with data included and 2.30% excl. VAT per local card sale
Get the Khumo 2 Price confirmed 14 Oct 2026More questions, answered
- 1What does a card machine charge per sale?2.10% to 2.75% excluding VAT on most machines, and what else is on the bill.
- 2Which card machine has no monthly fee?Five, from R699, that cost nothing a month to keep.
- 3How long does a card machine take to pay you?From the same day to two business days, and what the faster options cost.
Where the deals are
Deals confirmed 24 Sep 2026
- Ranked5 Best Card Machines for a Small Business in SA (2026)The same field, worked through by type of business: what a spaza, a salon, a restaurant, a market stall and a mobile…Verified deal10% offthe iK Flyer and iK Flyer LiteGet the dealSee the rankingVerified dealR100 offany card machineGet the deal
- Ranked11 Best Card Machines in South Africa (2026)11 SA card machines ranked on what each costs you over a year.See the ranking
- Every discount in one placeThe extra discounts we foundTwo live discounts on card machines right now, each confirmed on the date shown.See all the deals