Have a read through our FAQs for more information and if you have any further questions and would like us to get in touch, click here to send us a message.

During office hours you can contact us on 087 820 2020 and speak to one of our Customer Service agents who are trained to assist you with your integration, alternatively you can send us an email at supportsa@dpogroup.com

Bank Reconciliation

The bank usually has the money in your account within 24 hours. It does sometimes take 48 hours. The bank does have a very ‘vigilant’ fraud division and large amounts especially on foreign cards are often ‘intercepted’ by the fraud division. If the money is not in your account within 48 hours it usually means that it is with the fraud division. The fraud division will attempt to contact the cardholder’s bank to ensure the transaction is valid; this is for the merchant’s protection and to ensure that the card holder does not later charge back. The verification process usually adds an extra 24-48 (business) hours to the process, but is dependant on how quickly the cardholder’s bank responds.

Sometimes the bank combines one or more PayGate batches into a single batch on the bank statement or settles part of a batch and settles the outstanding transactions at a later date. Please follow these matters up with the Merchant Services department at your bank, as they will be able to advise as to the reason that this has occurred.


If a transaction/purchase was made before 6:15pm (GMT +2) then you should stop the settlement of the transaction.

Please note that there is an Authorisation on the funds and therefore the bank will hold the funds for a few days and then release them back into the card holder’s account.

When a purchase is made, there is an Authorisation on the funds. The bank will hold the funds for a few days (about 10 business days) and then release them back into the card holder’s account.

Fraud & Risk

We have developed PayProtector – a proprietary Risk Management Engine. There are 3 versions of PayProtector:

PayProtector – Light
This service scans all incoming transactions and blocks the fraudulent ones before they are sent to the bank for processing.

PayProtector – Advanced
This service generates a report showing the risk scores of all of your successful transactions from the previous day. Therefore you can investigate any High Risk transactions before you dispatch the orders.

PayProtector – Managed
This service is suitable for very large organisations who require a comprehensive risk analysis service.

We recommend to all of our clients that they implement PayProtector – Light as this is very effective in reducing fraud. Please email supportsa@dpogroup.com if you would like to activate this service on your account. Please contact us if you would like pricing for this service.

Point of Sale Devices

We do not distribute Point of Sale devices. We offer a virtual Point of Sale product called PayPoint, that eliminates the need for a physical device and does not require any any additional hardware or software.

Your account could be suspended for multiple reasons. To find out why, please email us on accountssa@dpogroup.com

Merchant Account

You do not need an internet merchant account to sign up with PayGate. We can assist you to apply for a merchant account with any of our supported banks.

PayGate is a gateway service that requires the use of an internet merchant account. We can refer you to our team in PayFast to assist for sign up without a merchant account.

Get Started

Please fill in the Get Started form on this website. This form acts as an initial application for a PayGate account. One of our Sales Consultants will contact you and assist you with the sign-up process.

International Payments

Using PayGate you can accept payments from American Express, Diners Club, MasterCard and Visa cards issued anywhere in the world.

Mobile Transactions

Yes, our PayHost product is ideally suited to mobile app payments.

PayHost gives you full control over the look and feel of the payment page. This allows your developer to handle the challenge of content presentation and layout on the mobile device in a way that suits your application.

Recurring Payments

Yes, our PaySubs and PayBatch products have been designed with recurring transactions in mind.


3D Secure is a security protocol that protects a buyer’s credit card against unauthorised use when shopping online. This simple service enables buyers to validate transactions they make over the internet by requesting a personal code (usually sent to their cell phone or email address as a one time PIN or push notification). It helps protect against fraudulent use by unauthorised individuals.

In 2019 an improved version of 3D Secure, called 3D Secure 2 (also known as 3DS2, EMV 3-D Secure or 3D Secure 2.0), was released as an improved level of authentication that is mobile-first and caters for a better user experience.

The most important new features of 3D Secure 2 are as follows:

Frictionless authentication

3D Secure 2 uses frictionless authentication that allows card-issuing banks to verify cardholders and approve transactions without requiring manual input from the buyer, which is a faster and more accurate method than the first version of 3D Secure. This is achieved through risk-based authentication (RBA), which involves sending data about the cardholder and the transaction to the issuing bank who then compares it to the cardholder’s historical transactional data to determine fraud risk. If the risk is low then the payment is processed without the need for the cardholder to verify the transaction. If there is any risk, then the cardholder will be challenged to provide additional input to authenticate the payment.

Improved user experience

3D Secure 2 has been designed to use dynamic authentication methods such as biometrics and token-based authentication, facilitating a faster and unobtrusive authentication process. This is ideal for the smartphone environment and mobile banking apps, as it allows cardholders to authenticate their payment through their banking app using facial recognition or a fingerprint, for example.

With 3D Secure 2 there are no more page redirects, but rather the authentication request appears as a modal on the checkout page, bypassing the need for buyers to be redirected away from the checkout page to complete their payment, which has previously been associated with cart abandonment.

Samsung Pay

Samsung Pay is only available on checkout as a payment option on Samsung devices, and on the web using any web browser. A full list of supported devices and issuing banks can be found on the Samsung website.

Samsung Pay is currently only available for merchants with Nedbank acquiring accounts and when using our redirect API method.

Zoho Books

Have a read through the ZOHO Books FAQs