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Bitbridge Insights

The truth about payments
in South Africa.

Real stories, real numbers, and the case for a simpler, safer, cheaper way to move money — built on the infrastructure we already have.

You sold a generator for R9,000. The payment processor kept R288 of it.
A South African hardware retailer walks us through the real cost of a single card transaction — interchange, scheme fees, acquirer margin, gateway cut, payout fee, and a 3-day wait. The numbers will shock you. The solution is simpler than you think.
Read article
Furnishing your home costs R16,000 more than it should.
When you buy R500,000 of furniture online, a hidden tax goes to Visa, Mastercard, the acquirer, and a gateway. That R16k could have been yours.
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Your bank password typed into a checkout page you've never heard of.
Embedded instant EFT asks customers to type their banking credentials into a third-party system. Here's why that's a problem no one is talking about.
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Quantum computing and the coming cipher crisis in payments.
RSA-2048 — the encryption underpinning most payment infrastructure — is breakable by quantum computers in theory today. Why the industry needs to move now.
Read article
South Africa already built the world's best payment system. We just forgot to use it.
BankservAfrica, PayShap, RTC — the infrastructure to settle any payment in seconds at negligible cost exists. Bitbridge is here to unlock it.
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Transparent Pricing

One flat fee.
Zero surprises.

R5.00 per transaction — no percentage, no payout fee, no hidden costs. Or choose a plan that fits your volume and billing preferences.

R5.00
Flat fee per transaction
No percentage. Ever.
Monthly Annual Save 20%

Flexible Billing Models

Bitbridge supports multiple billing arrangements to suit your business type. All models include the core R5 flat fee per transaction — choose how you prefer to structure your relationship.

Pay As You Go
No monthly fee. R5 per transaction. Perfect for seasonal or unpredictable volumes. Start and stop anytime.
R0/month + R5/tx
Monthly Subscription
Fixed monthly fee covers your transaction volume. Great for businesses with predictable payment volumes wanting SaaS-style cost control.
From R499/month flat
Annual Commitment
Pay annually, save 20%. Includes priority support, dedicated onboarding, and access to beta features. Ideal for established businesses.
20% off monthly rate
Volume Commitment
Commit to a minimum monthly transaction volume and receive a reduced per-transaction rate. Ideal for marketplaces and high-frequency billers.
From R3/tx at 500+/month
Enterprise / White-Label
Custom pricing for platforms embedding Bitbridge for their own merchant base. Revenue share or white-label API access. Talk to our team.
Custom — contact us
Invoiced / 30-Day Terms
For qualifying businesses: monthly invoice on 30-day payment terms. Available to entities with 6+ months of Bitbridge transaction history.
Net-30 invoicing

Bitbridge vs Traditional Processing — What You Actually Pay

Fee TypeCard / GatewayEmbedded EFTBitbridge Billing
Processing fee1.5–3.5% of value1.5–2.5% of valueR5.00 flat
Scheme fee (Visa/MC)0.3–0.7%✓ None✓ None
Acquirer margin0.5–1.0%✓ None✓ None
Payout / settlement feeR2–R25 per payoutOften charged✓ Free
Settlement time1–5 Business DaysHours to daysSeconds (PayShap)
Credential sharing riskCard PAN exposedBank password sharedZero — banking app only
Chargeback liabilityMerchant bears costVariesNone — irrevocable
R9,000 transaction cost~R293.00~R180–R250R5.00
R500,000 transaction cost~R16,005~R7,505R5.00

Pricing FAQ