White Label Solution

Launch your own branded payments platform

Yap is Pay@'s white-label Platform-as-a-Service. Add payment requests and invoicing to your own offering and give your customers a fully branded payments experience, without building or maintaining payment infrastructure from scratch.

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The Problem

The Problem

The demand for integrated, branded payment experiences built seamlessly into existing platforms has never been greater. Yet building and maintaining payment infrastructure is costly, complex, and time-consuming, creating a significant barrier for businesses and software providers who want to offer payment services to their clients.

The Solution

Built on the same foundation as Pay@Go, Pay@'s standalone Electronic Bill Presentment and Payment solution for the SMME market, Yap is a customisable Platform-as-a-Service that removes this barrier.  

It provides a ready-to-deploy, white-label solution covering payment requests, invoice generation, multiple payment methods, reconciliation and settlement, fees management, and reporting for your own clients – all under your own brand.  

With the growing demand for flexible fintech solutions, you can offer payment capabilities as part of your own proposition, add value for your clients and create an additional revenue stream, without the cost and complexity of building and maintaining the infrastructure yourself. 

The Solution

How it works

See how Yap works, from a single API integration to a fully branded payments platform that's ready to start collecting, with none of the build.

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Three Audiences, One Solution.

Your business

Your business

  • Modernise operations
  • Scale flexibly and cost-effectively
  • No infrastructure to maintain
  • Expand your service offering
  • Add a new revenue channel
Your network

Your network

  • Automated, branded invoicing
  • Improved cash flow and easier payments
  • Simplified collections and reconciliation
  • Real-time dashboard
  • Bulk statement processing
End Users

End Users

  • Pay via QR, EFT, app or click-to-pay from a message
  • Pay in-store at any of our retail partners

Why Pay@?

Proven payments infrastructure, trusted at national scale across Southern Africa.

FSCA
Registered TPPP
Networks

40+ networks

Collect across every major payment network from a single integration.

500+ billers

500+ billers

Trusted by more than 500 integrated billers and counting.

20+ years in SA collections

20+ years in SA collections

Two decades of collections experience built into every transaction.

40+ networks

Settlement, reconciliation and support

Fully managed and proven at national scale.

Frequently Asked Questions

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01

What makes Yap a white-label:

02

What can we offer our clients through Yap?

03

Do we need to host or maintain anything?

04

How long does onboarding take?

05

Which payment networks are included?

06

How is settlement and reconciliation handled?

07

What does it cost?

08

Is it FSCA and POPIA compliant?

What makes Yap a white-label:

Yap runs entirely under your brand. From the landing page to the payment confirmation, your customers see your identity. Underneath, Pay@'s infrastructure handles the collections, invoicing, reconciliation and multi-channel payment requests, so the experience is yours while the engine is ours.

What can we offer our clients through Yap?

Yap allows you to offer payment and invoicing capabilities as part of your own proposition, under your own brand. Your clients can use the platform to generate invoices and payment requests, accept payments through multiple channels, manage fees, reconcile transactions and access reporting. You can therefore add value to your existing offering and create an additional revenue channel, without having to build or maintain the underlying payment infrastructure.

Do we need to host or maintain anything?

No. Yap is a fully hosted SaaS platform. Pay@ manages the servers, security, updates and maintenance in the cloud. You subscribe and use it, with no infrastructure to buy and no developers to hire.

How long does onboarding take?

Onboarding is fast. Straightforward. Yap connects through a single, well-documented API, and we can have a sandbox environment ready within 48 hours. From there, your branding, user roles and biller categories are configured, and you go live.

Which payment networks are included?

Yap supports multiple payment methods through one platform, including QR code, EFT, app and click-to-pay from a message, so your customers can pay however suits them.

How is settlement and reconciliation handled?

Yap reconciles every transaction automatically and exports to your accounting package. Settlement is fully managed by Pay@ and proven at national scale, so month-end runs itself. Our recon matching rate is 99.995% across our entire payment network. 

What does it cost?

Pricing is bespoke and scales with your growth. Speak to our sales team for a quote tailored to your needs, volumes and rollout. 

Is it FSCA and POPIA compliant?

Yes. Pay@ is an authorised financial services provider and PASA certified, and Yap is built to meet South Africa's regulatory and data-protection requirements, including POPIA.

Ready to launch your own branded payments platform?

Fill out the form to start managing payment requests, invoice generation, settlement, and more – all under your own brand.

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