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PAY@ GATEWAY

Every way your customers pay, in one checkout.

Some customers reach your checkout ready to buy, then leave because the way they pay is not an option in your checkout. Through one integration, Pay@ Gateway gives your customers more payment options.

Sign up now Talk to enterprise team
No setup fee. No monthly fee. You pay per successful transaction.
Pay@ Gateway checkout showing card, wallet, bank direct, pay in app, and Instant EFT payment options
One integration30+ Payment Networks
R0Setup & monthly fees
InstantSandbox Testing
Recon & SettlementIncluded, no extra cost.
Shop owner showing a successful payment on her phone

Sign up and
start selling today.

Online merchants can connect their online stores through our WooCommerce Plugin or through a direct API integration. Both run on the same network that already collects payments for more than 500 South African billers over the last 2 decades.

FOR SELF-SERVICE

Pay@ Gateway for Online Stores

UP TO 10,000 TRANSACTIONS PER MONTH

For stores that want to take payments through WooCommerce. Create your account, install the plug-in, paste your Merchant ID.

Features

  • No setup fee, no monthly fee, no minimum volume. You pay per successful transaction.
  • One settlement into your bank account two business days after the sale, whichever method your customers used.
  • Every payment is checked against the order and the amount before it is accepted, so there is no allocation work on your side.
  • Orders update automatically via Webhooks once a payment comes in.
  • Dashboard with easy transaction, and success and failure rates by payment method.
  • Card details never touch your store.

Payment options

Card Visa, Mastercard and American Express
Pay with Wallet Apple Pay, Google Pay and Samsung Pay
Bank Direct Supported bank direct options
Pay In-App Scan to Pay, SnapScan and Zapper
Instant EFT Supported Instant EFT options
COMING SOON Pay in Store
COMING SOON Vouchers

At checkout: your customer chooses a payment option, confirms securely, and receives instant confirmation.

Create your account

Sign up, install the plugin and start taking payment methods your customers use most frequently.

  1. Create your account
  2. Install the plugin
  3. Paste your Merchant ID and start selling

Pricing

2.85%Cards, wallets and Pay in App
1.95%Pay with EFT and Capitec Pay
R0Setup fee and monthly fee
R1.85Minimum per transaction

Rates exclude 15% VAT and apply to successful payments only. Settlement T+2.

Create Your Free Account Sign up on Pay@ Go. Prefer to talk first? signup@payat.co.za
FOR ENTERPRISE MERCHANTS

Pay@ Gateway for Enterprise

10,000+ TRANSACTIONS PER MONTH

For larger merchants connecting Pay@ into their own checkout. WooCommerce Plugin or Direct API, an integration team, and pricing set on your volumes.

Features

  • Direct REST API / Webhooks: payment events to your systems in real time.
  • One consolidated settlement across every payment method, T+2, into your nominated bank account.
  • View reconciliations, fees, with every payment matched to the order.
  • Merchant-hosted payment links or a fully embedded checkout.
  • Dedicated account manager, integration support and a monthly performance review.

Payment options

Card Visa, Mastercard and American Express
Pay with Wallet Apple Pay, Google Pay and Samsung Pay
Bank Direct Supported bank direct options
Pay In-App Scan to Pay, SnapScan and Zapper
Instant EFT Supported Instant EFT options
COMING SOON Pay in Store
COMING SOON Vouchers

Cash in store: your customer checks out online, gets a reference and barcode, and pays cash at more than 11,000 stores and 100,000+ payment points nationwide. The order releases when the cash is paid.

Integration

WooCommerce
WooCommerce plug-in

Also available on enterprise terms for merchants running WooCommerce, with the same settlement and reconciliation.

Pricing

Priced per payment method, set against your volume. No setup fee, no monthly fee. Every enterprise quote is issued as a service schedule.

Talk to our enterprise team

We reply within one business day. Or email signup@payat.co.za

Frequently Asked Questions

Everything a first-time merchant asks

GETTING STARTED

Payment options

Pay@ Gateway is a checkout for on online stores. Through one integration you can accept cards with 3D Secure, EFT’s, QR payments, wallets like Google Pay, Apple Pay and Samsung Pay as well as Capitec Pay and Absa Pay.

How long does it take to go live?

Depending on the size of your business and your KYC submission, from within 24 hours to two weeks with the plugin - dependent on your KYC and AVS checks, and 1 to 8 weeks for the API, also dependent on factors like your KYC and AVS checks and prioritisation from your dev team. 

Which platforms do you support?

WooCommerce is live. Custom builds integrate against the API. More plugins launching soon.

Do you provide a test environment?

Yes, we provide a sandbox which can be accessed once you sign up.

PRICING AND FEES

What are your fees?

All fees exclude VAT. No setup or monthly fee.

Payment method

Fee (excl VAT)

Cards and QR

2.85%

Capitec Pay and Instant EFT

1.95%

Cash in Store

R6.50 + 0.5%

Minimum per transaction

R1.85
Are there setup or monthly fees?

No setup fee and no monthly fee. You pay per transaction.

Are there volume discounts?

Speak to your relationship manager for volume-based pricing.

How does settlement work?

Settlements are automatic on T+2 to your nominated South African bank account.

How do refunds work?

Full and partial refunds are processed from the merchant dashboard.

PAYMENT METHODS

What payment methods do you support?

  • Cards: Visa, Mastercard and Amex with 3D Secure

  • Pay with EFT across the major South African banks

  • Capitec Pay and Absa Pay

  • QR: Scan to Pay, Zapper and SnapScan

  • Wallets: Google Pay, Apple Pay and Samsung Pay

Can customers pay in cash for an online order?

Coming soon! Your customers will be able to pay across 11,000+ stores in South Africa and 100,000+ payment points across the informal sector.

Do you support 3D Secure?

Yes. Card transactions are protected by 3D Secure.

SECURITY AND COMPLIANCE

Is card data stored on my systems?

No. No card data touches your store, so your own PCI scope stays minimal.

Are you PCI DSS compliant?

Pay@ is not PCI DSS-certified itself but relies on PCI DSS-certified upstream payment-processing providers for cardholder data.

Are you regulated?

Pay@ Services (Pty) Ltd is an authorised Financial Services Provider, FSP No. 29423. We are also a certified third-party payment provider (TPPP) and are ISO 27001 certified.

How do you handle fraud?

3D Secure, rules-based fraud and transaction monitoring, BIN-pattern monitoring and real time velocity.

Pay@ BSI BBEE

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Pay@ BSI BBEE