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We answer those all important questions to help you with everything you need to know. Just select the appropriate category to view the relevant FAQs.
If you have a question which isn’t covered, we’re here to help!
paygate has customers from a range of different sectors including central and local government, payroll service providers, SME’s and Global Enterprises.
Yes, we ensure you have a dedicated contact to enable a first class customer experience
Our easy-to-use solution helps you create, manage and store payment files, then submit them directly to Bacs for processing. paygate extends your submission time right up to the daily cut-off, and even after submitting your files you retain visibility, access and ownership – benefits that are not usually available when using your bank.
We build flexibility and transparency into everything we do, including our pricing models.
With paygate you chose the pricing options and terms that best suit your budget, flexibly balancing CapEx v OpEx costs of your banking software.
Whether you’re a small start-up or a multi-national enterprise, our solutions and services are tailored to your budget today, and then grow in sync with your future needs.
The paygate on-boarding process makes switching easy, fast and worry-free.
Our Customer Audit Form quickly collects accurate information about your payments, users, activity permissions, SUNs, Bank Accounts and approval process.
We also give you a dedicated implementation engineer to configure your system.
Never! That’s not how we do things.
We know that many of our competitors impose upgrades, bill for unexpected Professional Services fees and increase charges.
We value our relationship with you, that’s why we never force you to upgrade.
You are safe in the knowledge that your paygate solution will always keep you compliant, protected and fully operational, even with all the industry changes that come along.
Good idea! Many of our customers have done just that and enjoy ongoing benefits from our Cloud solution.
Choose either a multi-tenant cloud or your own private solution, accessed via our dedicated Tier 3 UK-only datacentre environment.
paygate cloud gives you many advantages: streamlined processes, reduced costs, reduced IT overheads and access to a fully resilient disaster recovery option.
Plus, with all product updates managed centrally by us, you have peace of mind knowing you’re always using the latest and greatest software version that complies with the latest industry changes, with no additional charges!
paygate cloud allows you to process payments remotely or on the go. That avoids payment delays and ensures all-round security.
Using a Hardware Security Module (HSM) as a service removes the capital expenditure of a physical unit while retaining the many benefits of an HSM.
Thus, paygate enables process automation and eliminates the restrictions of smartcards.
Of course, and it’s very easy with paygate designer!
Not only that, we also give you the ability to easily edit your workflows whenever you need to, without having to pay us for Professional Services time.
Now how refreshingly straightforward is that?
Yes, paygate is future-ready. That means it’s built to take on new and emerging industry standards and regulations such as PSD2, SHA2 and NPA.
In fact, over half of our customers have chosen to stay with us for over 10 years.
We provide free software updates to ensure our customers stay compliant and their payments schedules stay on track.
We currently offer two types of MFA. The most common is SMS text-based One Time PIN challenge, and the other is USB e-Token that has to be inserted into a USB port and a PIN entered.
No, all industry-related or product related updates are managed centrally with no additional cost to our customers. We guarantee that your solution will always keep you compliant when regulations change.
Yes, paygate has a full-featured bureau module which is use by many of our customers with either direct or indirect SUNs. Through our own Bacs approved Bureau status, we offer our customers emergency payment and contingency services.
Of course! The best way to learn about our product is to see it in action. To book a demo, pop over to our contact page.
Our easy automation functionality allows you to automatically download Bacs A Reports after each submission. Reports are downloaded ready for you to review and action without leaving your paygate platform.
No, unlike most other Bacs Approved Software Suppliers, paygate does not add additional transaction charges to your licence fee, giving you peace of mind with predictable billing and no nasty surprises! And if you process more transactions that you thought you would, we we don’t penalise you.
Yes. Incorrect bank data is a major source of payment inefficiency. It prevents automated processing and leads to customer frustration. paygate Validate lets you verify the accuracy of account details at the point they’re entered into your payment system, avoiding failed or delayed submissions down the line. It’s easy to implement and delivers fast return on investment.
Yes, paygate is future-ready. That means it’s built to take on new and emerging industry standards and regulations such as PSD2, SHA2 and NPA.
In fact, over half of our customers have chosen to stay with us for over 10 years.
We provide free software updates to ensure our customers stay compliant and their payments schedules stay on track.
Yes, we ensure you have a dedicated contact to enable a first class customer experience
A Bacs payment takes three days to arrive and is only processed on business days. The Bacs cycle starts with a file submission, which has to be submitted up until a certain cut-off time.
Faster Payments only take seconds to send. The payment will arrive within a minute and is immediately visible in the recipients’ bank account which means you will have instant business payments, unless the sending or receiving bank has limited access to Faster Payments which may cause delays. The system runs 24/7 including public holidays and weekends. This can be especially helpful when you run on a weekly payroll schedule.
New Payments Architecture. This is a modernisation of the payments landscape and will ultimately replace Bacs as the core payments infrastructure in the UK.
SHA2 is part of a program of changes to improve security of connection protocols – the mechanism for moving data across the internet – and the way data is stored and transferred. This is particularly critical to businesses who need to protect personal and financial data, both their own and their customers’.
Pay.UK maintains and develops the payment systems and standards which are the lifeblood of the UK economy. They are the leading authority for payments, working in the public interest to ensure the payment systems the UK relies on for its banking are safe, open, innovative and resilient.
Request to Pay is a secure messaging overlay designed to provide a more flexible way for bills to be managed. It will allow the requester to send a message asking for payment, and for the payer to then manage that transaction in a variety of ways, from paying in full or in instalments, to engaging in a dialogue to request more time. It’s all designed to put the payer in control of what and when they pay – ideal for those who aren’t always able to rely on a regular income to be able to support a fixed Direct Debit.
Get in touch with our Bacs experts today.
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| paygate on prem | paygate v2 | paygate v3 | |
|---|---|---|---|
Security policy manager * Includes: password complexity manager, inactive timeout, time restrictions, IP address restrictions | ✓ | ✓ | ✓ |
AWS ISO27001 hosted * Primary fail over and back up UK data centres | ✓ | ✓ | |
SFTP file uploads/downloads *Secure way to move files across the internet, customers can use their own certificates | ✓ | ✓ | ✓ |
| Gemalto security tokens MFA | ✓ | ✓ | ✓ |
| Email MFA | ✓ | ||
| SMS MFA | ✓ | ✓ | ✓ |
APP MFA * Works with common auth apps such as Google Authenticator, Authy. Works on Android or iOS. | ✓ | ||
| PG Platform ISO27001 | ✓ | ||
Fraud tool *Currently support Blacklists and Whitelists. In a blacklist you add various sortcodes / account numbers and the system will prevent any payment to those accounts. In a whitelist you add sortcodes and account numbers and the system will ONLY allow payments to accounts on the whitelist. We include various tools to help build and maintain the lists. | ✓ | ||
GDPR subject access request * Search tools to help perform a GDRP lookup. Then can optionally ‘sanitise’ personal data from the system. | ✓ | ✓ | ✓ |
GDPR Data cleansing *Remove historical data by bulk or individual. | ✓ | ||
Browser compatbility * We maintain support for Chrome, Edge and Firefox. | ✓ | ||
Built for performance * Version 3 runs on super modern, high-end infrastructure | ✓ | ||
Single Platform * Customers have a single user account that they can use across all services (Enterprise, Online, Validate, etc). | ✓ | ||
Agent rebuilt key management system * Very secure way to get files to and from the Paygate cloud. Supports ways to automate files being sent into the paygate cloud and retrieving reports from the cloud. Key management was rebuilt for V3 to further increase security. | ✓ | ||
HTTPS uploads/downloads * paygate v3 supports both SFTP and HTTPS. | ✓ | ||
In browser File and Folder handling * Allows customers to securely organise their files and folders that are stored on paygate | ✓ |
| PG on prem | PG Ev2 | PGv3 | |
|---|---|---|---|
| Logging tickets by email | ✓ | ✓ | ✓ |
| Logging tickets by portal | ✓ | ||
| Logging tickets by phone | ✓ | ✓ | ✓ |
| Dedicated account management | ✓ | ✓ | ✓ |
| Uptime improvements | ✓ | ||
| Ongoing development | ✓ | ||
| Bug fixing | ✓ | ||
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Auto File Import *Automatically imports a payment file and validates it. Users no longer need to manually browse for and import a file, paygate will do this in the background and present the validation results to the user. |
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| PG on prem | PG Ev2 | PGv3 | |
|---|---|---|---|
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Designer in browser * In V2 Workflows use an older style desktop app. In V3 workflows are built and managed in the Paygate Browser app. It’s much easier to deploy and manage. |
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| Designer 3rd party app | ✓ | ✓ | |
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Improved logging * A feature mainly for PS/CS to help them diagnose problems with workflows. Problems can be diagnosed and fixed faster. |
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New scheduler triggers * A new trigger type that allows the user to set up a workflow like you set up a meeting in Outlook. For some, this is more flexible and easier to understand than using CRON. |
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Triggers for multiple workflows * You can use a single trigger to start multiple workflows. It’s a simple feature that will make things easier to manage if you have a lot of workflows. |
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Workflow validation * Troubleshoots new workflows, validation |
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Workflow chaining * Allows a workflow to call another workflow. Using this you can simplify large complicated workflows in smaller separate ones. Easier to manage and diagnose issues. |
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New nodes * Various new nodes that help to build new types of workflows or help manage existing workflows. |
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Full documentation V3 will be fully documented with help guides and tutorials.
and tutorials * |
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Multiple filename variables * Supporting multiple filename variables should make designing complex workflows a bit easier. |
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Future developments * Pure Excel Importer – XLSX; BACS Calendar Widget; Workflow Timeline; Workflow / Mobile App notification / management; S3 Connector |
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Download and distribute A Reports * When you have workflow and HSM you can automate the entire BACS report download process. They can automatically be converted to other formats for integration into finance apps. They can be emailed to customers as html, pdf or zips. They can be made available for collection via SFTP. Or, if you use Agent, they can be security delivered to the customer’s private network. |
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| Partial submission | ✓ | ✓ | ✓ |
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Lightsout submission * No signing |
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| Standard nodes for initiation | ✓ | ✓ | ✓ |
| PG on prem | PG Ev2 | PGv3 | |
|---|---|---|---|
| Batched bureau submissions | ✓ | ✓ | ✓ |
| Manual & Automated submission builder | ✓ | ✓ | ✓ |
| Customer import | ✓ | ✓ | ✓ |
| Bacs reporting tools | ✓ | ✓ | ✓ |
| Recall Bureau Customers by ID | ✓ | ||
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Submission Re-entry * Complete your submissions over any amount of time
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Familiar workflow throughout *It will be familiar to V2 customer but they will notice improvements. |
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| Revamped manual submission mode *This is completely new in V3 Bureau.
Those customers wanting a more manual way of building their submission (Rather than using Jobs) will find a new, efficient way of working.
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Drag and drop files from anywhere *Like in other areas of V3. User can just drag and drop file in Bureau for processing. They can also use the Restricted File Browser and Server file browser – that add more security – if they wish. |
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Support for multiple file formats per submission * No longer limited to single Standard 18 submission for example
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Better default filename support *Makes working with files easier. |
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Usage Reporting over data range *Small but useful improvement to reporting. User can set a date range on the usage report. |
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| PG on prem | PG Ev2 | PGv3 | |
|---|---|---|---|
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Validate *Validate is integrated in V3 and so customers that have both products can access them from the same client with the same account. |
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API Access *Validate API and the Payment API.
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| 4x Faster | ✓ | ||
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Save Submissions *Save an ‘in-progress’ submission and return to it later. Build up a submission during the day |
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| Improved payment and submission searching | ✓ | ||
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Customisable dashboard *Many useful, module specific, dashboard widgets, e.g. Payments, collections, workflow, etc. |
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| PG on prem | PG Ev2 | PGv3 | |
|---|---|---|---|
| Enhanced reporting including real-time usage | ✓ |