The Pay@ service is designed to enable bill issuer customers to pay securely and conveniently at a variety of payment networks. These payment networks extend across retailers, banking institutions, wallets and informal vendors. Payment methods include cash, EFT, credit cards, debit cards and QR codes.


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Pay@’s core business activity is the aggregation and handling of payment transactions at retailers and other payment networks like banks' electronic channels, wallets and informal vendors. The Pay@ platform is a convenient transaction channel for both banked and unbanked customers.  It bridges the gap between sophisticated financial services and a population that is still largely unbanked or partially banked.

In addition, the Pay@ service improves access to financial services and helps to build a culture of payment for services delivered - one based on affordable fees in a secure environment.  Payment processing is provided within, but not limited to the following sectors:

  • Commercial bills
  • International remittance
  • Debt collection
  • Education payments
  • Insurance registrations and payments
  • Local authority accounts / Municipal services, rates and taxes
  • Medical practice co-payments
  • Online shopping / E-Commerce
  • Traffic fines
  • Ticket pickups (bus and airline)
  • Utilities (real-time metering)
  • Wallet top-ups


Pay@ is currently the only service provider that has eliminated unallocated payments due to our real-time validation of account reference numbers (not only check-digit validation). Our unique system offers the following benefits:

  • Validation of all transactions in real-time
  • Improved collection process due to accessibility and convenience of pay points and payment methods
  • Improved reconciliation process due to elimination of unallocated payments
  • Business rules applied for exact or partial payments
  • Extensive national footprint
  • Increased efficiency and reduced administration cost
  • Exceptional customer service levels



Pay@ has considerable knowledge on how to handle large volumes of transactions on a 24/7 basis in a secure way. The entire transactional process is offered by Pay@, including the issuing of unique reference numbers, capturing and validation of data, payments, receipts, reporting, reconciliation and settlement. Transactions are validated in real-time between the payment network and Pay@ and the result is a highly accurate process that delivers very few unreconciled transactions at month end.


The way in which the Pay@ process and system is configured will provide direct benefits to the Bill Issuer, and due to its effectiveness, direct cost savings can be achieved:


  • The link between Pay@ and every pay point is a live (real-time) link
  • Every transaction is validated in real-time between Pay@, the pay point and the Bill Issuer (file-based or real-time direct integration)
  • All transactions are processed and reported daily
  • All exceptions are dealt with on a daily basis
  • All the payment rules of the Bill Issuer are applied per transaction


Our service levels are unsurpassed in the industry and are reflected in our handling of queries, outstanding transactions, reconciliations and settlements.  Pay@ has a low error rate of 1 query per 50,000 transactions (<0.002% per month). This results in direct cost savings to Bill Issuers in physical man-hours spent on having to resolve queries, exceptions, unreconciled transactions and customer interaction.

For the convenience and security of the Bill Issuer customers, the payment process has been designed to consist of only four easy steps:

  • The Bill Issuer communicates a unique Pay@ reference number to the customer
  • The reference number is presented to the cashier at the retailer POS (point of sale) to enter or scan (barcode 128), or entered by the customer on electronic channels
  • Transaction details are validated by the Pay@ system against the Bill Issuer file or database and payment rules
  • Payment is made, a receipt is issued to the customer, and a payment confirmation message is sent to the Bill Issuer


Pay@ currently services a diverse market of Corporate and Governmental institutions that trust us to deliver accurate, convenient and secure real-time payment options. Our ever-expanding list of billers include:

 adt   flightsite   hollard   intercape   leserskring   avon 

medipost   mukuru   multichoice   nba   oxbridge   pathcare  

saa   sabc   sanlam   translux.jpg   zando  

The Pay@ system easily integrates into a variety of system providers to simplify integrations to new bill issuers, i.e. debt collectors, traffic departments and municipalities.


The Pay@ service provides a comprehensive pay point network to the Bill Issuer's end customers to pay securely and conveniently due to the accessibility of the payment networks. These payment networks extend across retailers, banking institutions, wallets, informal vendors and mobile applications.

Payment methods include cash, EFT, as well as credit, debit cards and QR codes. Over 7 000+ payment networks nationwide - some open 24/7 - offering the utmost convenience to the customers. These include major institutions such as:

acker   box  check Makro 150x150  ebills  PEP 150x150  pnp   shopcheck   spar   topitup  usave

masterpass   snapscan   Zapper 150x150     



Click here to view more info on QR codes


Our vision is to be the bill aggregator of choice within Sub-Saharan Africa.  We currently operate mainly in South Africa, but we are very excited about the African opportunities and expanding our payment options and footprint across the rest of Africa.

Pay@ business principles are based on the following:

  • Offer a convenient, safe and secure service
  • Zero defect transaction processing
  • Integrity and transparency
  • Exceptional customer service

Pay@ is a licensed Financial Service Provider at the FSB.  We are registered with PASA as Systems Operator and Bill Issuer Service Provider allowing Bill Issuer transactions without the intervention of a bank in terms of the National Payment System.

Directors: Mias van der Westhuyzen | Dup Venter | Marlinda de Klerk | Neil Eppel | Pieter Venter


Pay At Services (Pty) Ltd is an authorised Financial Services Provider (FSP No. 29423) licensed with the Financial Services Board. The information contained in this communication, including attachments, is not to be construed as advice in terms of the Financial Advisory and Intermediary Services Act 37 of 2002 unless specifically referred to as Advice.  E-mail and accompanying attachments thereof may contain confidential and proprietary information. Such information is private and protected by law and, accordingly, if you are not the intended recipient, you are requested to delete this entire communication immediately and are hereby notified that any disclosure, copying or distribution of or taking any action based on this information is prohibited.


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Physical Address:
Suite 4
Old College Building
35 Church Street

GPS: -33.9378884,18.8621944

Postal Address:
PO Box 63




Tel: 021 886 5557
Fax: 086 539 8285

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