one integration,
every way SA pays.
Present bills in any format, take payment across 40+ retail, banking and digital networks, and have every payment validated against the account and amount in real time. One consolidated settlement, reconciled automatically.
A fully automated payment system.
Customers want options. Pay@ Enterprise gives them every option South Africa uses, and gives you one clean set of books.
Present bills in any format
Printed invoices, PDF, SMS, QR codes, payment links, in-app, web and USSD. Your bill reaches the customer wherever they are.
Accept in-store and digital payments
Cash, card, EFT and mobile money — across a retail network and a full set of digital channels.
Reconcile end to end
Real-time bill validation, payment confirmation and daily reports, at a 99.995% recon matching rate.
What you’ll get.
Every channel below is part of the Pay@ Enterprise platform. Turn on the ones your customers use.
Two ways to
connect.
Pay@ integrates the way your systems already work. Connect in real time over our Online API, or exchange files on a schedule — both give you validated payments and automated reconciliation.
- Real-time validation of the account number before payment is accepted
- The amount is validated against what you are owed
- Payment notifications posted to your endpoint without delay
- Recon file of received payments at day end or a set interval
- Customer presents their Pay@ reference at any channel
- Pay@ calls your endpoint to validate the account and amount
- Payment is accepted and a notification is posted to you immediately
- You supply account numbers, customer details and amounts payable
- Pay@ validates payments locally against that data
- You receive a recon file at day end or a set interval
An extensive network
for your customers.
Customers use one Pay@ reference number to pay subscription bills, money transfers, municipal accounts and insurance policies.
The range runs from in-person payments across a national retail footprint through to digital channels — so every customer can pay the way that suits them.
Retail network.
15 partners
Mobile & banking network.
18 partners
Voucher network.
3 partners
What our partners say.
“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. Pay@ does a lot of the heavy lifting, with little involvement from our side.
“I regard Pay@ as an ideal alternative payment method, and one of the top out there. I will recommend Pay@ without hesitation — things are going so well and we have never experienced any issues.
“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@.
What will this cost my business?
No setup fees and no ongoing subscription fees. You pay a per-transaction fee, priced on your volume.
Talk to our team.
Tell us how you bill and we will show you the channels that fit.
Ready to automate your collections?
One integration, every payment channel South Africa uses, reconciled automatically.
matched.
Present the bill, take the payment, close the books — at a 99.995% recon matching rate.