For consumers
I see “PAYAT GATEWAY” on my bank statement — who charged me?
Last Updated: May 12, 2026Quick answer Pay@ Gateway is a South African payment processor — we move money between businesses and their customers. We never sell anything directly. The charge on your statement is from a specific business that uses Pay@ to accept payments. To find out which business charged you, look more carefully at the statement: it usually...
How do I get a refund?
Last Updated: May 12, 2026Quick answer To get a refund for an online purchase, contact the business you bought from directly — not Pay@. Pay@ is the payment processor, like Visa or Mastercard. We move the money between you and the business but don’t decide who gets refunds. The business will check their records, approve the refund if it’s...
My payment failed — what now?
Last Updated: May 12, 2026Quick answer A failed payment is almost always declined by your own bank, not by Pay@. The most common reasons are insufficient funds, a fraud-prevention block by your bank, an expired card, or a 3D Secure authentication problem. The fastest way to find out is to call your bank using the number on the back...
Is Pay@ Gateway safe? How is my data protected?
Last Updated: May 12, 2026Quick answer Yes. Pay@ Gateway is PCI DSS Level 1 certified — the highest security level for payment processors — and operates under South African Reserve Bank (SARB) and Payments Association of South Africa (PASA) compliance frameworks. We use bank-grade encryption, never store your full card number, and treat your personal data in line with...
I think this charge is fraudulent
Last Updated: May 12, 2026Quick answer If you don’t recognise a charge on your statement and nobody you live with does either, treat it as potentially fraudulent. Call your bank using the number on the back of your card immediately — they can reverse the transaction and block the card. Don’t contact Pay@ Gateway first; your bank is the...