South Africa’s payments landscape has evolved into a broader ecosystem that gives consumers real choice in how and where they pay. That shift has placed growing pressure on businesses to match those expectations, and for large enterprises managing networks of smaller businesses, agents, dealers, or independent practices, that pressure is compounded.
The demand for better payments solutions is clear. The challenge is how to deliver it at scale, under your own brand, without the cost of building and maintaining infrastructure from scratch.
Yap is Pay@’s answer to that challenge — a fully integrated payment solution for your business.
Yap is a white-label, platform-as-a-service payment collection solution. Through a white-label partnership, businesses can access Pay@’s established payment infrastructure, customise it with their own branding, and offer it to their networks as their own product. There is no costly IT build, no heavy integration work, and no ongoing maintenance burden.
Pay@ has been managing payment collections for businesses across South Africa since 2007. The platform connects to 40-plus payment networks, processes millions of transactions every month, and maintains a 99.995% reconciliation rate. Customers can pay by app, QR code, card, or Instant EFT, directly from a payment link sent via WhatsApp, SMS, or email, as well as at a retail store or spaza shop.
The case for platform-as-a-service over building in-house
For large enterprises that want to offer a branded payment solution to their network, Yap delivers exactly that. Pay@ manages the infrastructure, integration, and ongoing support so you can stay focused on your core business and your customers.
Yap-powered businesses can:
- Create professional, customised invoices and send instant payment requests via WhatsApp, SMS, or email
- Reduce late payments and improve cash flow through multi-channel collections
- Access a real-time dashboard with Excel exports for straightforward reconciliation and reporting
- Scale without investing in costly IT hardware or specialist technical resources
Suited to a wide range of industries
Yap can be adapted to almost any industry where a business manages payments for a network of operators or clients. The healthcare sector is a practical example of how that works.
Medical administrators servicing independent practices can use Yap to offer payment processing across their entire network, broadening what they offer without the cost of building an in-house solution. Private practices or administration entities, in turn, get the tools to issue invoices for co-payments and shortfalls, automating their processes and giving patients a far more efficient way to pay their medical bill, improving how quickly practices get paid.
To find out how Yap can work for your business, reach out to the Pay@ team at janine.sweeney@payat.co.za.