South Africa's Direct-Rate POS

Stop losing money
on every sale.

Built for retail shops

Payfacs charge 2.95%+ because they profit from every sale. Nexo negotiates direct bank rates — often under 1% on debit. For most businesses, the savings cover the software.

Calculate your savings Book a demo
✓ No setup fees ✓ Cancel anytime ✓ Works offline
Business owner using nexo
184 sales today ↑ 12% vs yesterday
Live analytics Sales, inventory, CRM
Trusted by SA businesses:
40+
Stores
R2M+
Fees saved
4.9★
Rating
The fee problem

Why are you paying
a payfac's profit margin?

Most SA payment providers use the payfac model — they sit between your bank and your customer, adding their margin on top of the bank's base rate. That 2.95–3.5% isn't just a bank fee. It's the bank rate plus their profit.

Nexo negotiates direct agreements with South African banks. No middleman. No payfac markup. Direct rates — typically under 1% on debit transactions.

On R100,000/month in sales:
Payfac A 2.95%
Monthly fees: R 2,950
Payfac B 2.75%
Monthly fees: R 2,750
nexo (debit) ~1.0%
Monthly fees: R 1,000 — save R1,950/mo
* Rates vary by transaction type and volume. Contact us for a custom rate.
Savings calculator

Find out what you're really losing.

Move the slider to your monthly sales — see exactly what payfac fees are costing you.

Monthly sales volume
R 100,000
R 10KR 500KR 1M+
Your current payfac rate 2.95%
1.0%2.75%4.5%
Your payfac rate 2.95%
nexo direct rate (~1%) ~1%
That's a part-time employee's monthly salary — paid by your payment provider's margin.
Payfac fees (2.95%) Payfac model
R 2,950
per month
nexo total cost (~1% + R499 software) Direct bank rate
R 1,499
transaction fees + software included
Monthly saving
R 1,451
Annual saving
R 17,412
nexo pays for itself in just 9 trading days
✓ fee savings alone cover the full software cost
Every month you delay costs you R 1,451
Book a free 15-min demo
✓ No setup fees ✓ 5-min onboarding ✓ Cancel anytime
Everything included

One system. Every tool.

Replace your POS, inventory system, CRM, and analytics platform. One dashboard. One subscription.

Point of Sale
Fast, intuitive checkout on any device. Splits, discounts, voids, and multi-payment types — even when connectivity drops.
Learn more →
Inventory Management
Real-time stock tracking, low-stock alerts, and supplier management. Never lose a sale to a stockout again.
Learn more →
Built-in CRM
Know your customers. Track purchase history, lifetime value, and preferences. Run loyalty offers without a third-party app.
Learn more →
Sales Analytics
Daily reports, trend analysis, and top-product breakdowns. Understand what's working — without a data analyst.
Learn more →
Works Offline
Poor connectivity won't cost you sales. Nexo queues transactions locally and syncs the moment your connection returns. Built for SA.
Learn more →
Direct Bank Rates
No Payfac markup. We negotiate directly with SA banks so you get the lowest possible transaction rate on every sale.
See rates →
Getting started

Up and running in a day.

1
Sign up online
Create your account in 5 minutes. No paperwork, no waiting. Your trial starts immediately.
2
Connect your bank
Link your SA business bank account. We handle the direct rate negotiation — you just approve.
3
Start saving
Go live. Every sale immediately costs you less than a payfac — with more features included.
Curaprox kiosk at Sandton City using NEXO
Curaprox, Sandton City Switched from payfac · Saving on every transaction
What customers say

Real businesses. Real savings.

★★★★★

"We were on a payfac for three years and just accepted the fees as the cost of doing business. nexo showed us we were losing R18,000 every month for no reason. Setup took one afternoon — we were live by dinner."

SS
Owner, Spring Sport
Sport retail · South Africa
★★★★★

"The offline mode alone was worth switching. Connectivity issues used to cost us R3,000–R5,000 in lost sales a month. Now we keep trading — nexo queues everything and syncs the moment we're back online. It's bulletproof."

MA
Owner, Mo Amours
Hospitality · South Africa
★★★★★

"Inventory, CRM, and POS in one dashboard changed how I manage three locations. I used to spend Monday mornings reconciling three separate systems. Now it just arrives in my inbox every morning at 8am."

CD
Owner, Curaden
Multi-location retail · South Africa
Jared Chellan, Founder of Nexo
Jared
Founder, Nexo & New Era Agency
Customer story

R720,000 saved.
Every year.

"We were paying R530,000 a month in payfac fees and software costs. When we did the maths, we realised we could build something better. That's literally why Nexo exists."

Read our story →
R530K
Monthly payfac & software fees before nexo
R60K
Monthly saved with direct bank rates
R720K
Annual savings — every year, ongoing
~2 mo
Payback period on full software cost
40+
SA stores on nexo
R2M+
in fees saved this year
4.9★
average customer rating
<1 day
average setup time
Simple pricing

The software that pays for itself.

Most businesses save more in transaction fees than they pay for the software. From R499/month.

Monthly Annual  Save 2 months
Nexo Plan
R499
per month
Everything a growing SA business needs to run and scale.
  • Full Point of Sale
  • Inventory management
  • Built-in CRM
  • Sales analytics
  • Direct bank rates
  • Offline mode
Get started
Most popular
Pro Plan
R750
per month
Advanced features for businesses ready to scale faster.
  • Everything in Nexo
  • Advanced analytics
  • Multi-location
  • Kitchen Display System
  • Priority support
  • API access
Get started
Enterprise
Custom
tailored to your volume
For multi-location businesses and high-volume retailers who need a dedicated partnership.
  • Everything in Pro
  • Unlimited locations
  • Negotiated bank rates
  • Dedicated account manager
  • Custom onboarding
  • SLA guarantee
Talk to us
For those who business differently.

Ready to stop overpaying?

Enter your email and we'll set up a free demo — no commitment, no credit card.

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No setup fees. Cancel anytime. Works on any device.

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