every way your customers want to pay.
One integration. Cards, EFT, QR, bank apps, cash at retail, buy-now-pay-later — all from a single Pay@ Gateway API. Built for the way South Africans actually pay.
all the ways South Africans pay.
Every method below is available on every plan at the same 2.85% flat rate. No “cards extra” surprises.
Cards — Visa & Mastercard
All Visa and Mastercard credit and debit with 3D Secure 2.0. Inline card form keeps customers on your site. Tokenisation for one-click checkout.
Local + InternationalPay with EFT — instant bank transfers
Customer selects their bank, authenticates in their banking app, payment confirms in seconds. FNB, Capitec, Nedbank, Standard Bank, Absa, Investec, TymeBank and Discovery.
All major SA banksCapitec Pay — 21M+ users
Direct app-to-app integration with Capitec’s banking app. Customer approves with biometric auth. Captures SA’s fastest-growing banking customer base.
SA’s fastest-growing bankScan to Pay — universal QR
Universal QR code that works with any banking app supporting Masterpass or Scan to Pay. Customer scans, approves, done.
All banking appsPayShap — SARB instant
South Africa’s instant payment system, backed by the SARB. Real-time, irrevocable payments between bank accounts. Lower cost than card, instant settlement, no chargebacks.
Real-time · irrevocableMobile wallets — Zapper & SnapScan
SA’s most popular mobile wallet apps. Customers scan a QR code with Zapper or SnapScan and pay instantly from their linked bank account or stored card.
SA-popular walletsPay in Store — cash at 5,000+ retailers
Exclusive to Pay@ Gateway. Customer gets a barcode at online checkout and pays cash at Pick n Pay, Shoprite, Checkers, Spar, PEP and 5,000+ stores. Opens you to SA’s unbanked market.
Only on Pay@Buy Now, Pay Later — Payflex
Customers split into 4 interest-free instalments via Payflex. You get paid in full upfront. Pay@ Gateway absorbs the risk. Increases AOV, reduces cart abandonment.
Paid in full upfrontRecurring & subscriptions
Save customer cards securely. Charge them on schedule for subscriptions, memberships, instalment plans. Automatic retry on failed payments.
Auto-retryall methods. one API. one rate.
Install the WooCommerce or Shopify plugin and every method is enabled automatically. Or use our REST API.
Install plugin or use API
One-click install for Shopify and WooCommerce. Full REST API and SDKs for everything else.
30 min setupChoose your methods
Toggle which methods appear at checkout from your dashboard. Show only what fits your audience.
No codeOne unified webhook
Every method fires the same webhook with normalised data. Build once, reconcile once.
Built onceOne settlement
All methods settle into one batched same-day payout to your nominated SA bank account.
Same dayoffer every way your customers want to pay.
Cards, EFT, QR, Capitec Pay, PayShap, mobile wallets, Pay in Store and BNPL. One integration. One rate.
All payment methods included on every plan at 2.85% flat · No method-specific fees