Payments & methods
What are the fees?
Last Updated: May 12, 2026Quick answer Pay@ Gateway charges 2.85% per online transaction on the Online plan, with a minimum fee of R1.85. There are no setup fees, no monthly fees, and no hidden charges. The 2.85% covers cards, EFT, QR codes, and PayShap — one rate for every payment method. Wholesale and Enterprise customers receive volume-based discounted rates...
Currency support and FX
Last Updated: May 12, 2026Quick answer Pay@ Gateway processes all transactions in South African Rand (ZAR). If an international customer pays you with a non-ZAR card (USD, EUR, GBP, etc.), their bank handles the currency conversion at the point of purchase using their own exchange rate. You always receive the agreed ZAR amount — there’s no FX risk on...
3D Secure and how it affects conversion
Last Updated: May 12, 2026Quick answer 3D Secure (3DS) is an extra authentication step that asks the customer to confirm a card payment through their bank — usually via OTP, banking app, or biometric. Pay@ Gateway uses 3D Secure 2.0 on all card transactions because it’s a regulatory requirement in South Africa and shifts liability for fraudulent transactions from...
Why did this transaction fail? Common decline reasons
Last Updated: May 12, 2026Quick answer Most failed transactions on Pay@ Gateway are declined by the customer’s bank, not by Pay@. The four most common reasons are: insufficient funds, the customer’s bank declining for fraud-prevention reasons, 3D Secure authentication failing, and the card being expired or incorrect details entered. The decline reason is shown in your dashboard for every...
Which payment methods does Pay@ Gateway support?
Last Updated: May 12, 2026Quick answer Pay@ Gateway supports cards (Visa, Mastercard, including 3D Secure 2.0), instant EFT (Capitec Pay, Pay with EFT), QR code payments (Scan to Pay, Zapper, SnapScan), PayShap instant bank-to-bank transfers, and in-store payments. All methods are charged at the same flat 2.85% rate on the Online plan, and all settle same-day to your business...