Pricing
Two prices. Both on the receipt.
A flat R2.50 when customers pay by bank. Cost plus 1% and R0.50 on cards. VAT included, no monthly fees, and every payment shows where the fee went.
Pay by bank
R2.50
per payment, PayShap or EFT
- R1.50 to the banks and clearing, R1.00 to us
- Flat, whatever the amount
- Payouts the next business day
Cards
Cost + 1%
+ R0.50 per payment · about 2.1% 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
All prices include VAT. The fees for your business are confirmed in your merchant agreement.
Worked example
One R386 sale, two ways. Every rand accounted for.
- Card issuerinterchange 0.58%R 2.24
- Visa / Mastercardscheme feesR 0.58
- Acquiring bankprocessingR 0.77
- rano1% + R0.50R 4.36
- Bank and clearingflatR 1.50
- ranoflatR 1.00
Card costs are estimates for a local debit card with 3D Secure. The exact amounts depend on the card, and you’ll see them on each payment.
Compared
Against a typical 2.95%. Close to what most gateways publish.
| Sale | Typical gateway at 2.95% | rano, debit card | rano, pay by bank |
|---|---|---|---|
| R 50 | R 1.48 | R 1.47 2.94% | R 2.50 5.00% |
| R 150 | R 4.43 | R 3.40 2.27% | R 2.50 1.67% |
| R 400 | R 11.80 | R 8.22 2.05% | R 2.50 0.63% |
| R 1,500 | R 44.25 | R 29.45 1.96% | R 2.50 0.17% |
| R 5,000 | R 147.50 | R 97.00 1.94% | R 2.50 0.05% |
On very small card payments the fixed R0.50 brings us close to a typical rate. From around R100 up, the gap widens with every sale.
Included in the price
- Hosted checkout and payment links
- API, webhooks and a full test mode
- 3D Secure on every card payment
- Payouts the next business day
- Dashboard, reports and exports
- A monthly VAT invoice for our fees
Things we don’t charge for
- Monthly or annual fees
- Setup or onboarding fees
- Minimum monthly volumes
- Fees to cancel or leave
Calculator
See what you’d pay. Against published rates, not negotiated ones.
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.
Pricing questions
The fine print, in plain words.
Is VAT included?
Yes. Every price on this page includes VAT at 15%. Each payment shows the VAT inside its fee, and you get a monthly tax invoice for our share.
Why do credit and international cards cost more?
The customer’s bank and the card network charge more for them. Those are pass-through costs, so your fee goes up with them, but our part stays at 1% + R0.50. You see the exact split on every payment.
Can I pass the fee on to my customers?
Card rules in South Africa don’t allow surcharging. You can offer a discount for paying by bank instead, which is often worth it at R2.50 a payment.
What about refunds and chargebacks?
Refund and chargeback fees are set out in the merchant terms you receive during onboarding, and itemised the same way as everything else.
Can prices change after I sign up?
The fee on each payment is fixed when the payment is made. If our prices change, we’ll tell you in advance, and the change applies only to payments after that date.
Do you offer volume pricing?
If you process more than R5 million a month, talk to us. We can lower our share; we can’t lower what the banks and card networks charge.
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.