South Africa
South Africa’s payment landscape in 2026 is shaped by strong adoption of international card schemes. Credit and debit cards account for the majority of transaction volume, reflecting a mature, bank-integrated market. For global merchants, prioritizing secure and seamless card processing is key to reaching consumers and unlocking growth in this region.
*Data is for Codapay in the period of 1st Oct 2024 - 30th Sep 2025
Impact figures
82%
Android users
18%
iOS users
3.2%
Credit & Debit Card ownership
1.4B
App downloads in 2025
287.8M
App revenue (USD) in 2025
Insights
Digital wallets
South Africa is a dominant Android market reducing the efficacy of Apple Pay to some degree in enabling online payments.
Cards
Credit & Debit cards have low penetration in-market but remains the only viable payment option available.
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