Secure payments

This site offers various Secure Payment options such as:

  • 3D Secure Payments
  • Paypal
  • Direct EFT Payments
  • Bank Transfers

We are committed to keeping you and your information secure.

We have a multitude of checks in place to protect both buyers and sellers from fraudulent transactions.

  • We use Extended Validation SSL with 256-bit encryption. Only two of the four major South African banks use this, the highest, level of encryption currently available.
  • 3D Secure is in place for all credit card transactions.
  • All sensitive info is encrypted within our own database.
  • We run penetration testing on our Payment system on a weekly basis to look for vulnerabilities.
  • Our Payment Gateway is served off secure servers, making it harder to perpetrate phishing attacks.
  • We also have an excellent monitoring system that does, among other things: GEO IP tracking, velocity testing, BIN/IIN validation and checks against online databases

3D Secure

3D Secure is an online credit card security system provided by MasterCard® and Visa™ and supported by many banks worldwide.

PayGate fully implements this valuable payment protection service in an effort to work together against credit card fraud. Our online payment solutions allow you to benefit from security and control measures developed by the major industry players.

3D Secure is an extra layer of security in using your credit card for online transactions. For online transactions over R1000 you'll be asked to enter your 3D Secure password (different from the PIN), which is called Verified by Visa and MasterCard SecureCode by the respective credit card companies.

You have to register for 3D Secure with your card issuing bank, and can be set up either as a password of your choice or a one-time-password that will be sent to you by email/SMS. Please click on your bank logo for information on how to set up 3D Secure with your bank, if you haven't already done so.


We have partnered with Payfast, a leading South African Electronic Payment Company.