Online Payment Gateway for Businesses

Secure, Flexible and Built for Modern Payment Journeys

Selling online should be simple.

For many businesses, it isn’t. Payments get split across systems, reconciliation takes time, fraud risk sits in the background, and customers drop out at checkout when something feels off.

SOTpay+ brings everything together in one place.

It gives you a secure, PCI DSS Level 1 payment gateway that supports online, mobile and remote payments, helping you take transactions confidently while keeping control of your data, your customers and your revenue.

Take Payments Wherever Your Customers Are

Modern customers don’t all follow the same journey.

Some buy through your website.
Some respond to an email.
Some confirm over the phone.
Some want a quick link they can open on their mobile.

SOTpay+ supports all of it.

Online checkout for ecommerce and service payments
Pay-by-link for remote transactions
Virtual terminal for phone payments
Mobile-friendly payment journeys
Digital wallets including Apple Pay and Google Pay
Open Banking options to add further convenience

This means you don’t lose sales because your payment setup can’t keep up with how customers actually pay.

Built for Security Without Slowing You Down

Security matters, but it shouldn’t get in the way of conversion.

SOTpay+ includes:

PCI DSS Level 1 compliance
Tokenisation to protect card data
3D Secure authentication
AVS and CV2 checks
Velocity checking to flag unusual activity

These controls help reduce fraud risk while keeping the checkout experience clean and familiar for customers.

Get a Demonstration

Reduce PCI Scope and Protect Your Business

Handling card data directly creates risk and adds compliance pressure.

SOTpay+ helps reduce that burden by keeping sensitive data out of your environment wherever possible. That means:

simpler compliance processes
reduced exposure to breaches
lower operational risk

For businesses processing high volumes of remote payments, this can save time, cost and internal resource.

Recurring Payments Made Simple

If your business relies on repeat billing, flexibility matters.

SOTpay+ allows you to:

store card details securely using tokenisation
set up recurring and subscription payments
define billing schedules that suit your model
manage ongoing customer relationships without manual intervention

Ideal for memberships, subscriptions, retainers and staged payments.

Get a Demonstration

Real-Time Visibility and Control

Payments shouldn’t sit in the background.

SOTpay+ gives you full visibility through its merchant management system:

track transactions as they happen
run reports for reconciliation
issue refunds quickly
monitor payment activity
identify potential risks

Everything sits in one place, making it easier for finance and operations teams to stay in control.

Designed to Integrate With Your Business

Your payment gateway should fit around your systems, not the other way around.

SOTpay+ integrates with:

accounting platforms including Xero and QuickBooks
CRM and PMS systems such as Oracle OPERA
ecommerce platforms and custom websites via API

This keeps your payment data connected to the rest of your business, reducing manual work and improving accuracy.

Get a Demonstration

Why Businesses Choose SOTpay+

Businesses move to SOTpay+ when they need:

a single platform for online and remote payments
stronger control over fraud and chargebacks
simpler PCI compliance
better visibility across transactions
flexible payment options across multiple channels

It supports growth without adding complexity.

Start Taking Payments With Confidence

Whether you’re setting up payments for the first time or replacing an existing provider, your gateway plays a direct role in how your business performs.

SOTpay+ gives you a secure, flexible and scalable way to take payments online, on mobile and across every customer touchpoint.

Book a demo today and see how SOTpay+ can support your payment strategy.

Get a Demonstration

Frequently Asked Questions

What is a payment gateway?

A payment gateway is the technology that securely processes transactions between your customer, your business and your acquiring bank. It handles authorisation, encryption and communication so payments can be completed safely online, over the phone or via mobile.

Do I need a payment gateway for my business?

If you take payments online, remotely or across multiple channels, a payment gateway is essential. It allows you to accept card payments securely while protecting customer data and meeting PCI DSS requirements.

How does a payment gateway work?

When a customer makes a payment, the gateway encrypts the data, sends it to the acquiring bank for approval, and returns a response in real time. Platforms such as SOTpay also support tokenisation and authentication to reduce fraud risk and improve approval rates.

Is SOTpay a payment gateway or more than that?

SOTpay includes a fully secure payment gateway, but also supports pay-by-link, telephone payments, multichannel transactions and integrations with systems like Xero and Oracle OPERA. This allows businesses to manage payments across multiple touchpoints in one platform.

Can SOTpay integrate with my existing systems?

Yes. SOTpay is gateway-agnostic and integrates with accounting platforms such as Xero and QuickBooks, as well as CRM, PMS and ecommerce systems via API.

How secure is SOTpay?

SOTpay is PCI DSS Level 1 compliant and uses tokenisation and authentication tools such as 3D Secure to protect transactions. Sensitive card data does not need to be stored within your business systems.

Does a payment gateway help reduce fraud and chargebacks?

Yes. Secure gateways with authentication and fraud controls help reduce unauthorised transactions and improve dispute outcomes. SOTpay also supports processes that reduce exposure to fraud-related chargebacks.