- Bank Reconciliation
- Foreign Currency
- Fraud & Risk
- Point of Sale Devices
- My PayGate Account
- Merchant Account
- How to Sign-up
- International Payments
- Mobile Transactions
- Recurring Payments
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 firstname.lastname@example.org
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.
South African banks can only process and settle transactions in Rand. To allow our clients to price items on their sites in currencies other than Rand we have developed PayFX – a currency conversion solution that works with our PayWeb service. Using PayFX you can price items in any supported currency on your website.
When a purchase is made the transaction is sent to us in the base currency and then converted to Rand by PayFX using the most up to date exchange rate. The converted amount and exchange rate is clearly displayed to the cardholder before the transaction is processed. If you would like pricing and further information on this service please email email@example.com
International cards can be accepted through the PayGate Gateway, but you will need to tell us what to process in Rands. The card holder would see the ‘converted’ amount in their own currency on their Bank Statement.
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 firstname.lastname@example.org if you would like to activate this service on your account. Please contact us if you would like pricing for this service.