get paid, every way
south africa pays.
One integration to 40+ payment networks — cards, EFT, QR, retail cash, wallets and vouchers. Powering collections for South Africa’s leading billers since 2007.
Make a payment.
Enter your Pay@ reference number to view your account and pay.
Not sure how to pay? Search our full list of billers →
Five products. One payment partner.
Start from what your business needs — we’ll route you to the right product.
Enterprise collections
The problem: thousands of payments arriving through different channels, and reconciliation that eats days.
One API presents bills and takes payment everywhere — hosted page, QR, in-app and retail cash — with every payment validated against account and amount, and one consolidated settlement.
Explore Enterprise →Payment links & invoicing
The problem: chasing invoices by hand and guessing who has actually paid.
Send payment requests by email, SMS or WhatsApp with instant auto-invoicing. Sign up online — no developers needed.
Explore Go →Customer payments
The problem: queues, bank details and proof-of-payment emails just to settle an account.
Pay with your Pay@ reference number — online, in your banking app, or at 14 major retail chains nationwide.
Make a payment →Online store checkout
The problem: card-only checkouts turn away customers who pay by EFT, QR or voucher.
Accept cards with 3DS, Pay with EFT, Scan to Pay, wallets and vouchers on your web store. Plugins for major eCommerce platforms.
Explore Gateway →White-label payments
The problem: building billing and payment rails from scratch takes years you don’t have.
A request-to-pay platform under your own brand — bulk statement processing, managed recon and settlement, connecting to any payment provider.
Explore Yap →Traffic fines
The problem: fines scattered across authorities, with no single place to find or pay them.
Look up fines by ID or vehicle registration and pay online, in your banking app, or in cash at participating retailers.
Go to PayThat →Every payment matched
to the right account.
For large billers, the hard part isn’t taking payment — it’s knowing who paid, matching thousands of payments to the right accounts, and closing the books. Pay@ Enterprise validates every payment against the account and amount in real time, then settles in one consolidated payment.
- Hosted payment page on payat.io — no card data touches your systems
- Pay@ QR — interoperable with major banking and payment apps
- In-app bill presentment inside banking, retail and payment apps
- Retail barcode and POS cash at major retail chains nationwide
- File-based or real-time API integration, with automated reconciliation
Checkout built for
South African stores.
Card-only checkouts turn away customers who pay by EFT, QR or voucher. Pay@ Gateway puts every local payment method in one checkout — backed by 19 years of SA payments heritage.
- Visa, Mastercard and Amex with 3D Secure
- Pay with EFT across all major SA banks
- Scan to Pay, Zapper and SnapScan QR payments
- Wallets and voucher payments for every customer segment
- Plugins for major eCommerce platforms — install without a developer
Rates exclude VAT. Minimum transaction fee R1.85 excl VAT.
Our payment
footprint.
Since 2007, we’ve been powering bill payments for leading South African companies.
Our solution is the largest payment network in the region — physical and digital points of sale that reach paying consumers across all population groups, no matter how or where they want to pay.
Retail network.
15 partners
Mobile & banking network.
18 partners
Voucher network.
3 partners
What our partners say.
I have an excellent relationship with the Pay@ Team and can ‘yank the chain’ anytime I need to. They’re helpful and friendly – a big bonus. Other corporates will have you waiting 3 weeks for something, whereas Pay@ is very efficient in responding. They’re very supportive and always willing to run through changes with us.
The Pay@ brand is regarded as both stable and reliable, with solid technological delivery. Pay@’s technical integration is robust and good to use. If somebody was looking for a formal retail payment option, I’d be happy to recommend Pay@ any day of the week due to the reliability of my customers’ experience.
In comparison to competitors, Pay@ is a unique service provider, on the cutting-edge of technology in terms of the channels and options they provide. We also value the footprint offered and the ease of integration. Pay@ does a lot of the heavy lifting, with little involvement from our side. I’d recommend Pay@ over all their competitors.
I regard Pay@ as an ideal alternative payment method, and one of the top out there. It’s suited to our market and their needs; offering clients convenience in making payments. I will recommend Pay@ without hesitation – things are going so well and we have never experienced any issues. I am proud to be working with Pay@.
Pay@ is an innovative brand, ahead of the pack in terms of providing solutions, especially around payment processing, and so forth. They are creative and strong in terms of technology. I’d recommend Pay@ because of the reliability of the solution, the up-time, and the interaction that we get from the support team at Pay@.
Pay@’s system is not time consuming in terms of allocations – they’ve integrated with our system so when customers make payments, we do not have to manually allocate those funds. It also notifies the customer via SMS of their transaction and offers links to other payment options to allow for greater flexibility.
Pay@ makes changing the game for fast, secure, and cost-effective payments, for those without a card, possible. So happy to partner with them.
We’ve had great interaction with the Pay@ Team. Seamless integration and they take our support queries seriously.
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From integration to settlement.
Integrate once
Connect via real-time API, file-based integration, an eCommerce plugin — or no integration at all with Pay@ Go.
Customers pay their way
Card, EFT, QR, banking app, retail cash or voucher. Every payment is validated in real time against the account and amount.
Reconcile & settle
Automated reconciliation with a single consolidated settlement — you know who paid, where and how, in real time.
Ready to get paid?
Sign up online in minutes, or talk to our team about the right solution for your business.
partner.
Since 2007, powering payments for South Africa’s leading billers, online stores and SMEs.