Paycycle vs PayFacile
Paycycle
paycycle.co.zaPayFacile
payfacile.comSide by side
| Figure | Paycycle | PayFacile |
|---|---|---|
| Price from | 285 ZAR/mo | €24/mo |
| Free plan | Yes | Yes |
| Free trial | Yes | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| API | — | Yes |
| Plans published | 6 | 4 |
| Spec score · Payment Processing Software | 8.0 (#24) | 8.7 (#12) |
| Headquarters | Bryanston, South Africa | Paris, France |
| Security controls | The site lists encrypted and masked bank details, AVS verification, controlled approvals, tamper-evident records and an audit trail. | PayFacile states that it does not store card numbers, relies on PCI DSS Level 1 Stripe and GoCardless infrastructure, uses TLS 1.2+ with 2048-bit encryption, and supports 3D Secure/SCA. |
| Support | Paycycle Complete includes priority email and phone support. | The pricing page says customers can contact support by email or the on-site chat and that a human will respond. |
Plans
Paycycle
- Pay NowFree
- Supplier & Employee OnboardingFree
- Payroll Payments285 ZAR a month
- Supplier Payments285 ZAR a month
- Automated Collections585 ZAR a month
- Paycycle Complete1,450 ZAR a month
PayFacile
- StarterFree
- Business€24 a month
- Enterprise€48 a month
- CustomPriced on request
In their own words
Paycycle
Paycycle connects payment workflows around Xero for South African businesses and accounting practices. It brings approved supplier bills from Xero into payment runs and reconciles completed payments back to Xero. For payroll, it imports approved employee pay runs from SimplePay for review, authorisation and payment. Its collections tools handle electronic mandates, recurring collections, failed-payment follow-up and reconciliation. Pay Now can be added to Xero invoices so customers can pay without logging in or setting up a new beneficiary.
Supplier and employee bank accounts are checked through AVS before payment. Payments use a direct route where supported, or a funded pass-through settlement route where required. Listed supplier-payment rails include PayShap, Investec Open Banking, Paycycle Payments and Netcash Payments. Paycycle describes an AI reconciliation engine that reviews bank feeds, resolves exceptions and closes month-end reconciliation in under a minute. Listed controls include encrypted and masked bank details, controlled approvals, tamper-evident records and an audit trail. The web service offers free modules and paid plans; prices range from free to 1,450 ZAR a month.