About PayGate
PayGate is a payment processing software from Upperlink Limited that facilitates online transactions. It includes features such as secure payment gateways, real-time transaction monitoring, and multi-currency support so businesses can efficiently manage their payment operations. PayGate supports various payment methods including credit cards, debit cards, and bank transfers, catering to a wide range of customer preferences. The system is designed to comply with international security standards, ensuring the protection of sensitive financial information. Key capabilities: secure payment gateways real-time transaction monitoring multi-currency support compliance with security standards customer support Best for: businesses that need reliable online payment processing solutions.
PayGate by Upperlink is a Nigerian-based collection platform licensed by the Central Bank of Nigeria (CBN). It serves as a specialized infrastructure for educational institutions, government agencies, and mid-to-large enterprises. Its unique selling point in 2026 is its deep integration with the NIBSS (Nigeria Inter-Bank Settlement System), making it a powerhouse for "Account-to-Account" transfers and bulk fee collections.
Pros & Cons
- +Highly compliant with Nigerian government (MDAs) and Central Bank standards.
- +Ideal for organizations with thousands of individual payers (like universities).
- +Option to settle in Naira (NGN) or US Dollars (USD) depending on the transaction type.
- −Virtually no utility for businesses operating outside of Nigeria.
- −The user portal is functional but lacks the modern "SaaS" look of global competitors.
- −Heavily skewed toward "collections" rather than retail e-commerce.
Features
Key features
- Dynamic Pseudo-Accounts
- Generates a temporary account number on-the-fly for payers to transfer funds from any banking app.
- Fees & Utility Collection
- Purpose-built workflows for collecting tuition, taxes, and levies with automated student/payer identification.
- Direct NIBSS Integration
- As a licensed PSSP (Payment Solution Service Provider), it bypasses many middlemen for faster settlement.
Additional features
- Omnichannel Acceptance
- Supports Web, ATM, POS, and physical Bank Branch-based payments.
- Real-Time Transaction Monitoring
- KPI dashboards for executives to track collection profitability across all channels.
- Automated Remittance
- Logic for automatically calculating and remitting WHT and VAT to statutory authorities.
- BAMS (Bank Account Monitoring)
- A treasury tool to monitor multiple bank accounts across different banks in one window.
- Bulk Payouts (PayChoice)
- Securely initiate salary payments or vendor remittances with multi-level approval workflows.
- EduChoice Integration
- A full school management portal that links academic records to the PayGate payment system.
- Direct API Integration
- Allows developers to embed Upperlink’s payment rails into custom enterprise software.
Pricing
Countries & Languages
Available in
Interface languages
Billing currencies
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About PayGate
PayGate is a payment processing software from Upperlink Limited that facilitates online transactions. It includes features such as secure payment gateways, real-time transaction monitoring, and multi-currency support so businesses can efficiently manage their payment operations. PayGate supports various payment methods including credit cards, debit cards, and bank transfers, catering to a wide range of customer preferences. The system is designed to comply with international security standards, ensuring the protection of sensitive financial information. Key capabilities: secure payment gateways real-time transaction monitoring multi-currency support compliance with security standards customer support Best for: businesses that need reliable online payment processing solutions.
PayGate Details
PayGate's In-App Market Place
Does PayGate have an in-app market place?
Yes
How many Mini-Apps in the marketplace?
1
Mini Apps
N/A
Pricing Options
Accepted Payment Currencies
NGN, GCH, CFRANC
Pros & Cons
- Highly compliant with Nigerian government (MDAs) and Central Bank standards.
- Ideal for organizations with thousands of individual payers (like universities).
- Option to settle in Naira (NGN) or US Dollars (USD) depending on the transaction type.
- Virtually no utility for businesses operating outside of Nigeria.
- The user portal is functional but lacks the modern "SaaS" look of global competitors.
- Heavily skewed toward "collections" rather than retail e-commerce.
PayGate's Support Options
Email Address
info@upperlink.ngContact
+234 903 6581 855PayGate's Alternatives
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