diff --git a/PayBridge.SDK/Dtos/PaymentGatewayConfig.cs b/PayBridge.SDK/Dtos/PaymentGatewayConfig.cs
index babc536..5d432e2 100644
--- a/PayBridge.SDK/Dtos/PaymentGatewayConfig.cs
+++ b/PayBridge.SDK/Dtos/PaymentGatewayConfig.cs
@@ -20,6 +20,7 @@ public class PaymentGatewayConfig
     public OpayConfig Opay { get; set; } = new();
     public DpoGroupConfig DpoGroup { get; set; } = new();
     public PawaPayConfig PawaPay { get; set; } = new();
+    public PeachPaymentsConfig PeachPayments { get; set; } = new();
 }
 
 public class PaystackConfig
@@ -156,3 +157,21 @@ public class PawaPayConfig
     /// </summary>
     public bool IsSandbox { get; set; } = false;
 }
+
+public class PeachPaymentsConfig
+{
+    /// <summary>
+    /// Peach Payments Entity ID (from your Peach Payments dashboard).
+    /// </summary>
+    public string EntityId { get; set; } = string.Empty;
+
+    /// <summary>
+    /// Peach Payments Access Token (Bearer token).
+    /// </summary>
+    public string AccessToken { get; set; } = string.Empty;
+
+    /// <summary>
+    /// Set to true to use Peach Payments test/sandbox environment.
+    /// </summary>
+    public bool IsSandbox { get; set; } = false;
+}
diff --git a/PayBridge.SDK/Enums/PaymentGatewayType.cs b/PayBridge.SDK/Enums/PaymentGatewayType.cs
index a6b2d2e..0628798 100644
--- a/PayBridge.SDK/Enums/PaymentGatewayType.cs
+++ b/PayBridge.SDK/Enums/PaymentGatewayType.cs
@@ -77,5 +77,10 @@ public enum PaymentGatewayType
     /// <summary>
     /// PawaPay payment gateway (Africa - mobile money)
     /// </summary>
-    PawaPay = 14
+    PawaPay = 14,
+
+    /// <summary>
+    /// Peach Payments gateway (South Africa, Kenya, Nigeria)
+    /// </summary>
+    PeachPayments = 15
 }
\ No newline at end of file
diff --git a/PayBridge.SDK/Externsions/IServiceCollectionExtensions.cs b/PayBridge.SDK/Externsions/IServiceCollectionExtensions.cs
index da37a56..171e771 100644
--- a/PayBridge.SDK/Externsions/IServiceCollectionExtensions.cs
+++ b/PayBridge.SDK/Externsions/IServiceCollectionExtensions.cs
@@ -139,6 +139,7 @@ private static void RegisterGateways(IServiceCollection services, PaymentGateway
             services.AddScoped<RemitaGateway>();
             services.AddScoped<OpayGateway>();
             services.AddScoped<PawaPayGateway>();
+            services.AddScoped<PeachPaymentsGateway>();
             return;
         }
 
@@ -190,6 +191,9 @@ private static void RegisterGateways(IServiceCollection services, PaymentGateway
                 case PaymentGatewayType.PawaPay:
                     services.AddScoped<PawaPayGateway>();
                     break;
+                case PaymentGatewayType.PeachPayments:
+                    services.AddScoped<PeachPaymentsGateway>();
+                    break;
             }
         }
     }
diff --git a/PayBridge.SDK/Factories/PaymentGatewayFactory.cs b/PayBridge.SDK/Factories/PaymentGatewayFactory.cs
index f99e477..0a0be6a 100644
--- a/PayBridge.SDK/Factories/PaymentGatewayFactory.cs
+++ b/PayBridge.SDK/Factories/PaymentGatewayFactory.cs
@@ -49,6 +49,7 @@ public Dictionary<PaymentGatewayType, IPaymentGateway> CreateGateways()
             TryAddGateway(gateways, PaymentGatewayType.Opay);
             TryAddGateway(gateways, PaymentGatewayType.DpoGroup);
             TryAddGateway(gateways, PaymentGatewayType.PawaPay);
+            TryAddGateway(gateways, PaymentGatewayType.PeachPayments);
         }
         else
         {
@@ -96,6 +97,7 @@ private void TryAddGateway(Dictionary<PaymentGatewayType, IPaymentGateway> gatew
                 PaymentGatewayType.Opay => _serviceProvider.GetService<OpayGateway>(),
                 PaymentGatewayType.DpoGroup => _serviceProvider.GetService<DpoGroupGateway>(),
                 PaymentGatewayType.PawaPay => _serviceProvider.GetService<PawaPayGateway>(),
+                PaymentGatewayType.PeachPayments => _serviceProvider.GetService<PeachPaymentsGateway>(),
                 _ => null
             };
 
diff --git a/PayBridge.SDK/Gateways/PeachPaymentsGateway.cs b/PayBridge.SDK/Gateways/PeachPaymentsGateway.cs
new file mode 100644
index 0000000..5c0f8de
--- /dev/null
+++ b/PayBridge.SDK/Gateways/PeachPaymentsGateway.cs
@@ -0,0 +1,240 @@
+using System.Net.Http.Headers;
+using System.Text.Json;
+using Microsoft.Extensions.Logging;
+using PayBridge.SDK.Application.Dtos;
+using PayBridge.SDK.Application.Dtos.Request;
+using PayBridge.SDK.Dtos.Request;
+using PayBridge.SDK.Dtos.Response;
+using PayBridge.SDK.Enums;
+using PayBridge.SDK.Exceptions;
+using PayBridge.SDK.Interfaces;
+
+namespace PayBridge.SDK;
+
+/// <summary>
+/// Peach Payments gateway (South Africa, Kenya, Nigeria, Botswana).
+/// Currencies: ZAR, KES, NGN, BWP, USD.
+/// Auth: Bearer AccessToken + EntityId.
+/// Docs: https://developer.peachpayments.com
+/// </summary>
+public class PeachPaymentsGateway : IPaymentGateway
+{
+    private const string LiveBaseUrl = "https://eu-prod.oppwa.com/v1";
+    private const string SandboxBaseUrl = "https://eu-test.oppwa.com/v1";
+    private const string TxRefPrefix = "PEACH_";
+
+    private readonly PaymentGatewayConfig _config;
+    private readonly HttpClient _httpClient;
+    private readonly ILogger<PeachPaymentsGateway> _logger;
+
+    public PeachPaymentsGateway(
+        PaymentGatewayConfig config,
+        IHttpClientFactory httpClientFactory,
+        ILogger<PeachPaymentsGateway> logger)
+    {
+        _config = config ?? throw new ArgumentNullException(nameof(config));
+        _httpClient = httpClientFactory.CreateClient(nameof(PeachPaymentsGateway));
+        _logger = logger ?? throw new ArgumentNullException(nameof(logger));
+    }
+
+    public PaymentGatewayType GatewayType => PaymentGatewayType.PeachPayments;
+
+    private string BaseUrl => _config.PeachPayments.IsSandbox ? SandboxBaseUrl : LiveBaseUrl;
+
+    private void SetAuthHeader()
+    {
+        _httpClient.DefaultRequestHeaders.Clear();
+        _httpClient.DefaultRequestHeaders.Authorization =
+            new AuthenticationHeaderValue("Bearer", _config.PeachPayments.AccessToken);
+    }
+
+    public async Task<PaymentResponse> CreatePaymentAsync(PaymentRequest request)
+    {
+        try
+        {
+            var txRef = $"{TxRefPrefix}{Guid.NewGuid():N}";
+
+            var formData = new Dictionary<string, string>
+            {
+                ["entityId"]              = _config.PeachPayments.EntityId,
+                ["amount"]                = request.Amount.ToString("F2", System.Globalization.CultureInfo.InvariantCulture),
+                ["currency"]              = request.Currency ?? "ZAR",
+                ["paymentType"]           = "DB",
+                ["merchantTransactionId"] = txRef,
+                ["customer.email"]        = request.CustomerEmail ?? string.Empty,
+                ["customer.givenName"]    = request.CustomerName?.Split(' ').FirstOrDefault() ?? string.Empty,
+                ["customer.surname"]      = request.CustomerName?.Split(' ').LastOrDefault() ?? string.Empty,
+                ["billing.country"]       = CurrencyToCountry(request.Currency ?? "ZAR"),
+            };
+
+            SetAuthHeader();
+            var content = new FormUrlEncodedContent(formData);
+            var response = await _httpClient.PostAsync($"{BaseUrl}/checkouts", content);
+            var body = await response.Content.ReadAsStringAsync();
+            _logger.LogDebug("PeachPayments checkout response: {Body}", body);
+
+            if (!response.IsSuccessStatusCode)
+            {
+                return new PaymentResponse
+                {
+                    Success = false,
+                    Message = $"PeachPayments checkout failed: {response.StatusCode}",
+                    Status = PaymentStatus.Failed
+                };
+            }
+
+            var json = JsonDocument.Parse(body).RootElement;
+            var resultCode = json.TryGetProperty("result", out var resultEl) &&
+                             resultEl.TryGetProperty("code", out var codeEl)
+                ? codeEl.GetString() : null;
+
+            var checkoutId = json.TryGetProperty("id", out var idEl) ? idEl.GetString() : null;
+            bool success = resultCode != null && resultCode.StartsWith("000");
+
+            var paymentUrl = checkoutId != null
+                ? $"{BaseUrl}/paymentWidgets.js?checkoutId={checkoutId}"
+                : null;
+
+            return new PaymentResponse
+            {
+                Success = success,
+                TransactionReference = txRef,
+                CheckoutUrl = paymentUrl ?? string.Empty,
+                Message = resultEl.TryGetProperty("description", out var descEl)
+                    ? descEl.GetString() ?? "Unknown" : "Unknown",
+                Status = success ? PaymentStatus.Pending : PaymentStatus.Failed,
+                GatewayResponse = new Dictionary<string, string>
+                {
+                    ["checkoutId"] = checkoutId ?? string.Empty,
+                    ["resultCode"] = resultCode ?? string.Empty
+                }
+            };
+        }
+        catch (Exception ex)
+        {
+            _logger.LogError(ex, "Error initiating PeachPayments checkout");
+            throw new PaymentGatewayException("Failed to initiate PeachPayments payment", ex);
+        }
+    }
+
+    public async Task<VerificationResponse> VerifyPaymentAsync(string transactionReference)
+    {
+        try
+        {
+            var url = $"{BaseUrl}/payments?entityId={Uri.EscapeDataString(_config.PeachPayments.EntityId)}" +
+                      $"&merchantTransactionId={Uri.EscapeDataString(transactionReference)}";
+
+            SetAuthHeader();
+            var response = await _httpClient.GetAsync(url);
+            var body = await response.Content.ReadAsStringAsync();
+            _logger.LogDebug("PeachPayments verify response: {Body}", body);
+
+            if (!response.IsSuccessStatusCode)
+            {
+                return new VerificationResponse
+                {
+                    Success = false,
+                    TransactionReference = transactionReference,
+                    Status = PaymentStatus.Failed,
+                    Message = $"PeachPayments verification failed: {response.StatusCode}"
+                };
+            }
+
+            var json = JsonDocument.Parse(body).RootElement;
+            var payment = json.ValueKind == JsonValueKind.Array ? json[0] : json;
+
+            var resultCode = payment.TryGetProperty("result", out var resultEl) &&
+                             resultEl.TryGetProperty("code", out var codeEl)
+                ? codeEl.GetString() : null;
+
+            bool success = resultCode != null &&
+                           (resultCode.StartsWith("000.0") || resultCode.StartsWith("000.100"));
+
+            decimal.TryParse(
+                payment.TryGetProperty("amount", out var amtEl) ? amtEl.GetString() : "0",
+                System.Globalization.NumberStyles.Any,
+                System.Globalization.CultureInfo.InvariantCulture,
+                out var amount);
+
+            var currency = payment.TryGetProperty("currency", out var curEl)
+                ? curEl.GetString() ?? string.Empty : string.Empty;
+
+            var paymentBrand = payment.TryGetProperty("paymentBrand", out var pbEl)
+                ? pbEl.GetString() ?? "Card" : "Card";
+
+            return new VerificationResponse
+            {
+                Success = success,
+                TransactionReference = transactionReference,
+                Amount = amount,
+                Currency = currency,
+                Status = success ? PaymentStatus.Successful : PaymentStatus.Failed,
+                Message = resultEl.TryGetProperty("description", out var descEl)
+                    ? descEl.GetString() ?? "Unknown" : "Unknown",
+                PaymentMethod = paymentBrand,
+                GatewayResponse = new Dictionary<string, string>
+                {
+                    ["resultCode"] = resultCode ?? string.Empty
+                }
+            };
+        }
+        catch (Exception ex)
+        {
+            _logger.LogError(ex, "Error verifying PeachPayments payment: {Ref}", transactionReference);
+            throw new PaymentGatewayException("Failed to verify PeachPayments payment", ex);
+        }
+    }
+
+    public async Task<RefundResponse> RefundPaymentAsync(RefundRequest request)
+    {
+        try
+        {
+            var formData = new Dictionary<string, string>
+            {
+                ["entityId"]    = _config.PeachPayments.EntityId,
+                ["amount"]      = request.Amount.ToString("F2", System.Globalization.CultureInfo.InvariantCulture),
+                ["currency"]    = "ZAR",
+                ["paymentType"] = "RF",
+            };
+
+            SetAuthHeader();
+            var content = new FormUrlEncodedContent(formData);
+            var response = await _httpClient.PostAsync($"{BaseUrl}/payments/{request.TransactionReference}", content);
+            var body = await response.Content.ReadAsStringAsync();
+            _logger.LogDebug("PeachPayments refund response: {Body}", body);
+
+            var json = JsonDocument.Parse(body).RootElement;
+            var resultCode = json.TryGetProperty("result", out var resultEl) &&
+                             resultEl.TryGetProperty("code", out var codeEl)
+                ? codeEl.GetString() : null;
+
+            bool success = resultCode != null && resultCode.StartsWith("000");
+            var refundId = json.TryGetProperty("id", out var idEl) ? idEl.GetString() ?? string.Empty : string.Empty;
+
+            return new RefundResponse
+            {
+                Success = success,
+                RefundReference = refundId,
+                TransactionReference = request.TransactionReference,
+                Amount = request.Amount,
+                Status = success ? PaymentStatus.Refunded : PaymentStatus.Failed,
+                Message = resultEl.TryGetProperty("description", out var descEl)
+                    ? descEl.GetString() ?? "Unknown" : "Unknown"
+            };
+        }
+        catch (Exception ex)
+        {
+            _logger.LogError(ex, "Error processing PeachPayments refund: {Ref}", request.TransactionReference);
+            throw new PaymentGatewayException("Failed to process PeachPayments refund", ex);
+        }
+    }
+
+    private static string CurrencyToCountry(string currency) => currency.ToUpperInvariant() switch
+    {
+        "ZAR" => "ZA",
+        "KES" => "KE",
+        "NGN" => "NG",
+        "BWP" => "BW",
+        _     => "ZA"
+    };
+}
diff --git a/PayBridge.SDK/Services/PaymentService.cs b/PayBridge.SDK/Services/PaymentService.cs
index 080c32f..46fc3ed 100644
--- a/PayBridge.SDK/Services/PaymentService.cs
+++ b/PayBridge.SDK/Services/PaymentService.cs
@@ -262,7 +262,10 @@ private PaymentGatewayType SelectBestGateway(PaymentRequest request)
             case "XOF":
             case "XAF":
             case "MWK":
-                return ChooseAvailableGateway(PaymentGatewayType.PawaPay, PaymentGatewayType.DpoGroup, PaymentGatewayType.Flutterwave, PaymentGatewayType.Paystack);
+                return ChooseAvailableGateway(PaymentGatewayType.PeachPayments, PaymentGatewayType.PawaPay, PaymentGatewayType.DpoGroup, PaymentGatewayType.Flutterwave, PaymentGatewayType.Paystack);
+
+            case "BWP":
+                return ChooseAvailableGateway(PaymentGatewayType.PeachPayments, PaymentGatewayType.DpoGroup);
 
             case "BHD":
                 return ChooseAvailableGateway(PaymentGatewayType.BenefitPay);
@@ -367,6 +370,11 @@ private PaymentGatewayType DetermineGatewayFromReference(string transactionRefer
         {
             return PaymentGatewayType.PawaPay;
         }
+
+        if (transactionReference.StartsWith("PEACH_"))
+        {
+            return PaymentGatewayType.PeachPayments;
+        }
         // Default to configured default gateway
         _logger.LogWarning("Could not determine gateway from reference: {Reference}", transactionReference);
         return _config.DefaultGateway;