The fee is on the receipt.

Take cards, PayShap and EFT with one integration, and see exactly what every payment cost you.

Get early access See how fees work

R2.50

flat per PayShap or EFT payment

~2%

on a local debit card, all costs in

monthly, setup or minimum fees

T+1

money in your bank the next business day

Most gateways in South Africa charge around 3% and show you one number. We show you every cent of the fee, and take less of it.

Where your fee goes

R386 for a bag of beans.

A customer pays Kwela Coffee by debit card. Here is where the fee goes.

Kwela CoffeeOrder #2048

R 386.00

Fee breakdown

Card issuerinterchange 0.58%R 2.24
Visa / Mastercardscheme feesR 0.58
Acquiring bankprocessingR 0.77
rano1% + R0.50R 4.36

Total feeR 0.00

Typical 2.95% gateway~~R 11.39~~

Your bank app

Approve payment to

Kwela Coffee

R 386.00

ApprovePaid

via PayShap

Paid in seconds, for a flat R2.50.

Customers approve in their banking app and the money moves in real time. Same fee on R50 or R5,000.

•••• •••• •••• 4242T MOKOENA09/29Debit

Your bank

Approve R 386.00 at Kwela Coffee?

Approved · 3D Secure

3D Secure on every card payment.

Bank-verified payments qualify for South Africa's lowest card rates. We pass them through instead of hiding them in a flat 3%.

Business accountToday

EFT · RANO-2047R 1,250.00

EFT · RANO-2048R 386.00

EFT · 77310KR 92.50

Order #2048

Kwela Coffee · R 386.00

WaitingPaid

Bank transfers that match themselves.

Every order gets its own reference. When the money lands we match it and tell you, even when it's a day late.

Getting started

Test today. Go live when you’re verified.

Secret keysk_test_4eC39HqLyjWDarjtT1zdp7dcCopy
1
Build in test mode
Sign up with an email and get test keys straight away. Simulated banks and test cards behave like the real thing, including the failures.
- Company registration
- Directors' IDs
- Payout bank account
2
Verify your business
Your company registration, the directors' IDs and the bank account you want paid into. The law requires these checks, and we keep them short.
Test Live
3
Switch to live
Swap your test key for a live one. Same code, same webhooks, real money.

Calculator

See what you’d pay. Against published rates, not negotiated ones.

Monthly sales R 250,000

Average sale R 400

You use now

You’d keep R 26,850 more a year

Monthly fees on R 250,000 of sales

ranoR 5,137
YocoR 7,375
PaystackR 7,875
Peach PaymentsR 8,313
PayfastR 9,250
OzowR 7,125

Competitor rates are their published online rates as of October 2026. rano card pricing assumes local debit cards with 3D Secure; credit and international cards cost more.

Developers

An API that tells you what happened. And what it cost, in every webhook.

Test mode the moment you sign upA full sandbox with test cards and simulated banks. No sales call.
Decline reasons you can readA code for your logic and a sentence you can show your customer.
Webhooks you can replaySigned, retried for three days, replayable from the dashboard.
Versions that stay putYou stay on the API version you built against until you choose to move.
Ready for AI coding toolsOpenAPI spec, llms.txt and an MCP server.

Create a payment

import { Rano } from "@rano/sdk";

const rano = new Rano(process.env.RANO_SECRET_KEY);

const payment = await rano.payments.create(
  {
    amount: 38600, // R386.00, in cents
    currency: "ZAR",
    payment_method_type: "card",
    confirm: true,
  },
  { idempotencyKey: "order-2048" },
);

payment.fee.total; // 795
payment.net; // 37805

Webhook receivedSigned · replayable

{
  "id": "evt_01k7f3m9t5r2y8d4p6e0a3s9gq",
  "type": "payment.succeeded",
  "data": {
    "object": {
      "id": "pay_01k7f3m9q2v8x4c6n0b5h1t7wz",
      "amount": 38600,
      "currency": "ZAR",
      "status": "succeeded",
      "payment_method_type": "card",
      "fee": {
        "total": 795,
        "costs": 359,
        "margin": 436,
        "vat": 57,
        "lines": [
          { "code": "interchange", "amount": 224 },
          { "code": "scheme",      "amount": 58 },
          { "code": "acquirer",    "amount": 77 },
          { "code": "rano",        "amount": 436 }
        ]
      },
      "net": 37805
    }
  }
}

Security

Built to hold money. Designed to earn trust.

Your money sits at a South African bank

Customer payments are held in a dedicated account at our partner bank, kept separate from rano's own money.

Card numbers never touch our servers

Card details go straight into a certified vault. We only ever see a token.

Your data stays in South Africa

We host in South Africa and follow POPIA. We collect only what the law and fraud checks need.

No surprise holds

If we ever need to hold a payout, we tell you why and what we need from you, before we do it.

Pricing

Two prices. Both on the receipt.

Pay by bank

R2.50

per payment, PayShap or EFT

Flat, whatever the amount
Money in your bank the next business day
No monthly fee, no minimums

Cards

Cost + 1%

+ R0.50 per payment · about 2% on a local debit card

Bank and card-network costs passed through at cost
Every line itemised on every payment
Visa and Mastercard, 3D Secure included

Processing over R5m a month? Talk to us about volume pricing.

Questions

Straight answers.

When can I start taking payments?

You can build in test mode as soon as we open sign-ups. Live payments start once our partner bank has registered us as a payment provider. Early-access merchants hear first.

Is rano regulated?

We're registering with the South African Reserve Bank as a third-party payment provider through a partner bank, and with the Financial Intelligence Centre. We won't process real payments until that's done.

Why is paying by bank so much cheaper than cards?

A PayShap or EFT payment costs a few rand to move, whatever the amount. Cards carry percentage fees for the customer's bank and the card network. We pass both through at cost, so the difference shows up in your fee.

Do I need a developer?

Not to get paid. You'll be able to share a payment link or send customers to a hosted checkout page. The API is there when you want payments built into your own site or app.

Can I switch from Yoco, Payfast or Peach?

Yes. You can run rano alongside your current provider while you move over, and there's no contract to sign or minimum to hit.

What does 'cost + 1%' mean for credit cards?

Credit and international cards cost more to process than local debit cards, so the cost part of the fee is higher. You'll see the exact split on every payment before anything is settled.

Be one of our first merchants.

We’re onboarding a small group of South African businesses first. Leave your email and we’ll be in touch.

An API that tells you what happened. And what it cost, in every webhook.

Test mode the moment you sign upA full sandbox with test cards and simulated banks. No sales call.

Decline reasons you can readA code for your logic and a sentence you can show your customer.

Webhooks you can replaySigned, retried for three days, replayable from the dashboard.

Versions that stay putYou stay on the API version you built against until you choose to move.

Ready for AI coding toolsOpenAPI spec, llms.txt and an MCP server.

import { Rano } from "@rano/sdk"; const rano = new Rano(process.env.RANO_SECRET_KEY); const payment = await rano.payments.create( { amount: 38600, // R386.00, in cents currency: "ZAR", payment_method_type: "card", confirm: true, }, { idempotencyKey: "order-2048" }, ); payment.fee.total; // 795 payment.net; // 37805

{ "id": "evt_01k7f3m9t5r2y8d4p6e0a3s9gq", "type": "payment.succeeded", "data": { "object": { "id": "pay_01k7f3m9q2v8x4c6n0b5h1t7wz", "amount": 38600, "currency": "ZAR", "status": "succeeded", "payment_method_type": "card", "fee": { "total": 795, "costs": 359, "margin": 436, "vat": 57, "lines": [ { "code": "interchange", "amount": 224 }, { "code": "scheme", "amount": 58 }, { "code": "acquirer", "amount": 77 }, { "code": "rano", "amount": 436 } ] }, "net": 37805 } } }

The fee is on the receipt.

R386 for a bag of beans.

Every way South Africa pays.

Paid in seconds, for a flat R2.50.

3D Secure on every card payment.

Bank transfers that match themselves.

Test today. Go live when you’re verified.

Build in test mode

Verify your business

Switch to live

See what you’d pay. Against published rates, not negotiated ones.

An API that tells you what happened. And what it cost, in every webhook.

Built to hold money. Designed to earn trust.

Your money sits at a South African bank

Card numbers never touch our servers

Your data stays in South Africa

No surprise holds

Two prices. Both on the receipt.

Straight answers.

Be one of our first merchants.

The fee is on the receipt.

R386 for a bag of beans.

Every way South Africa pays.

Paid in seconds, for a flat R2.50.

3D Secure on every card payment.

Bank transfers that match themselves.

Test today. Go live when you’re verified.

Build in test mode

Verify your business

Switch to live

See what you’d pay. Against published rates, not negotiated ones.

An API that tells you what happened. And what it cost, in every webhook.

Built to hold money. Designed to earn trust.

Your money sits at a South African bank

Card numbers never touch our servers

Your data stays in South Africa

No surprise holds

Two prices. Both on the receipt.

Straight answers.

Be one of our first merchants.