Real-time settlement desk status.
Integrated rails & enterprise infrastructure.
Payment infrastructure for companies that need to sell abroad.
PayGate is not a checkout plugin. It is rented merchant rails: accounts, settlement, reconciliation and an operations desk — one working surface.
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Three rails. One contract. One settlement desk.
Pick a single rail or run them in parallel. PayGate holds compliance, caps and recon — you keep the payment experience.
Cards & billing
International cards, Apple Pay, Google Pay and recurring billing. Fits SaaS, DTC and digital goods.
Included capabilities:
Wallet checkout
Wallet checkout with hundreds of millions of existing users. Strong for cross-border buyers who already trust PayPal.
Included capabilities:
Treasury rails
Multi-currency accounts, corporate payouts and Asia–Australia–EU corridors. Fits messy treasury flows.
Included capabilities:
Opening a global rail often takes a quarter. Renting takes a week.
Stripe, PayPal and Airwallex decline many files for entity, history or MCC reasons. PayGate lets you use a living rail — after our own underwriting desk.
You are not buying software. You are renting a running payment corridor, with operators.
Consult our underwriting deskDirect Application vs. PayGate Rails
From file to live charge.
Order matters. Each step locks risk before money enters a rail.
Underwrite
Send the business license, site, MCC and expected volume. We say which rail will actually take you.
Contract & caps
Choose the rail, reserve, payout calendar and fees. Everything is on paper before go-live.
Wire checkout
API, plugin or hosted page. Prove it with a small live charge before opening traffic.
Live recon
Daily settlement board. Chargebacks and withdrawals have a named desk.
When strategy, rails and operations are one team.
Results hold when checkout, risk and payout are not three vendors.
They rented rails. Not promises.
“We spent four months trying to open Stripe. PayGate put us live in two weeks, with a daily recon we can read.”
CFO · Export beauty brand
“PayPal held funds for 30 days. Their ops desk treated disputes like an in-house team.”
Founder · TikTok Shop seller
“Multi-currency Airwallex stopped us hand-carrying every lot through Wise.”
Operations lead · Fulfillment agency
Questions before you sign.
Notes from the settlement desk.
Let's talk.
Leave the file. We will tell you which rail will take you — and which one you should not file.
Desk SLA & Operating Hours
24/7 Monitored Telemetry · < 2h Reply
Privacy Guarantee:
Merchant files and corporate documents are processed solely for rail onboarding and underwriting under strict NDA protocols.