These are agreed and set during the application process and are configured by our Support team during account setup. Once live, they can be adjusted via the Merchant Access Portal.

Password & Card Types Accepted

Merchants can access the PayWeb configuration page in the Merchant Access Portal to manage the following:

The Encryption Key used for checksum calculations.
Card brands to accept (e.g. Visa and MasterCard enabled by default when card payments are active).

Auto-Settle

Applies to: Card processing
Default: ON

When enabled, PayGate will automatically generate the Settlement transaction after an approved Authorisation — no need to send a separate Settlement request. This is enabled by default.

PayProtector

Applies to: Card processing
Default: Not Activated

PayProtector is PayGate’s fraud and risk system. It helps minimise the risk of fraudulent transactions by analysing multiple data sources — local, international, and internal — to detect, flag, or block suspicious behaviour.

Payment Confirmation

Applies to: All transaction processing
Default: Activated (with no Bcc)

PayGate sends a payment confirmation email to the customer for each approved transaction. This can be:

Disabled per PayGate ID.
Configured to Bcc a specific email address on every confirmation sent.

PayVault

Applies to: Card processing
Default: Not Activated

PayVault is PayGate’s credit card tokenisation service.

Stores PAN and expiry data in PayGate’s PCI DSS Level 1 compliant environment.
Issues a token (GUID) to be used in future transactions.
By default, only approved cards are tokenised. On request, this can be adjusted to tokenise all cards regardless of the transaction outcome.

Setup Options for Multiple Payment Methods

Merchants using more than one payment method have flexibility in how they configure their setup. PayGate allows multiple PayGate IDs, each with its own configuration.

Each PayGate ID:

Has full access to the Merchant Access Portal.
Can view, report, and export transaction data.

Available Setup Options

Multiple payment methods on a single PayGate ID
- Client is shown a menu of available payment options via PayWeb.
Separate PayGate ID for each payment method
- Client is taken directly to the relevant payment page.
Mixed setup using transaction-level parameters
- Payment methods displayed are controlled dynamically using the PAY_METHOD and PAY_METHOD_DETAIL fields.
- A menu is only shown if more than one method matches the specified criteria.

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For assistance with configuration or advanced setup, please contact the PayGate Support Team.