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Nexo Insights

Ideas for running a sharper business.

Analysis on POS systems, payment processing, and day-to-day operations — written for South African retailers, restaurants, and service businesses.

Featured Payment Processing · 8 min read

The Hidden Cost of Convenience: Why Payfacs Charge 3.5% (And How to Pay 1% Instead)

Most South African businesses don't realize they're overpaying by 2.5% on every transaction. Here's how Payfacs work, why they mark up rates, and the direct bank alternative saving businesses R30,000+ per year.

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Card rate
3.5% ~1%
Saves R45,000/yr on R150k monthly sales

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Under 1% on debit & cheque, POS on the card machine, and an AI ops manager included.

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