What Is Paygate?

Paygate is the enterprise-grade payment gateway solution developed by Payfast, a subsidiary of Network International. It is tailored for businesses with high-volume or complex payment needs. Unlike aggregator-style payment systems, Paygate enables merchants to operate through their own merchant accounts, offering greater control, enhanced security, and enterprise-level integration capabilities.

Why Choose Paygate?

1. Enterprise-Level Control & Customization

• Your Own Merchant Account: Paygate allows merchants to use their own bank accounts for settlement, providing complete control over transactions and financial flows.

• Flexible Integration: Businesses can integrate Paygate using its powerful API, enabling embedded checkouts and customized user experiences.

• Plugin Ecosystem: Ready-to-use plugins are available for platforms like WooCommerce, Magento 2, PrestaShop, VirtueMart, Gravity Forms, CS‑Cart, and more. Developers also have access to sample code for Angular, Java, and iOS applications.

2. Comprehensive Payment Options

• Accepts global card schemes, including Visa, Mastercard, American Express, Diners Club, and UnionPay.

• Supports local and alternative methods such as SiD Secure EFT, PayPal, MTN MoMoPay, and Visa Checkout.

• Offers compatibility with virtual point-of-sale (POS) terminals and enables QR-based payments for mobile-first transactions.

3. Security & Compliance

• Paygate is certified as PCI DSS Level 1, the highest industry standard for payment security.

• Real-time fraud detection tools and built-in security protocols help protect merchants and customers alike.

4. Infrastructure & Scalability

• Designed for scale, Paygate serves major businesses in sectors such as tourism, e-commerce, and retail.

• Features robust infrastructure and dedicated support for high-volume, high-growth merchants.

• Merchants benefit from a multi-user dashboard that provides real-time insights, refunds, settlements, and reconciliation.

5. Ownership, Support & Backing

• Developed and maintained by experienced engineering teams under the Network International umbrella.

• Supported by localized sales and support teams for onboarding and ongoing technical assistance.

• Offers a scalable solution with region-specific compliance and customization options.

Key Features of Paygate

Payment Options & Global Reach

• Accepts both local and international card payments.

• Integrates digital wallets and bank transfer methods.

• Enables merchants to operate in multiple currencies across various regions.

• Offers offline payments via virtual POS and QR-code systems.

Integration & Developer Experience

• Paygate API enables deep, server-side integration.

• Hosted checkout option (Payweb) is available for businesses preferring a quicker setup.

• Pre-built plugins and sample code provide a smooth development experience across major platforms.

• Allows merchants to choose between hosted and embedded checkout for optimal user experience.

Merchant Portal & Reporting

• Real-time dashboard displays balances, transaction history, and settlement records.

• The Merchant Access Portal includes advanced search functions, manual transaction tools, and financial reconciliation features.

• Multi-user access with defined roles supports cross-functional teams like finance, support, and operations.

Recurring Billing & Tokenization

• Secure tokenization allows merchants to store customer card details safely for recurring payments and subscriptions.

Settlement & Funding

• Paygate offers real-time gross settlement, meaning funds are immediately transferred to the merchant’s bank account upon capture.

• Fast settlement cycles help improve business cash flow and reduce operational delays.

Fraud & Security

• Fully compliant with PCI DSS Level 1.

• Advanced fraud monitoring capabilities reduce the risk of chargebacks and fraudulent activity.

Who Is Paygate Best For?

• Large enterprises in retail, travel, and digital services.

• High-volume merchants who need speed, flexibility, and full control over payments.

• Businesses requiring tokenization and recurring billing infrastructure.

• Organizations seeking local and global reach through multi-currency and multi-method payment acceptance.

• Merchants that prioritize security and compliance with international standards.

Onboarding & Support

• Localized onboarding for merchants in regions like South Africa ensures faster compliance and integration.

• Dedicated sales and support teams provide ongoing assistance tailored to the needs of growing enterprises.

• Developer tools and technical documentation support smooth implementation and troubleshooting.

Conclusion

Paygate is a top-tier payment gateway solution built for businesses that value control, performance, and compliance. It offers:

• Full ownership of the payment process through merchant-controlled accounts.

• Advanced integration tools for seamless user experiences.

• A wide array of local and international payment methods.

• Fast settlement and robust reporting tools.

• High-level security and compliance to meet global standards.

Paygate is a robust, scalable, and secure payment gateway tailored to the needs of enterprise-level businesses. Whether you’re operating locally or internationally, it provides the flexibility, control, and features needed to power modern digital commerce.