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We answer those all important questions to help you with everything you need to know.
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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.
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