Payment Solutions for Online & Ecommerce Retailers

Reduce fraud, eliminate chargebacks and secure card-not-present payments.

Online and mail order retailers handle high volumes of card-not-present transactions. Fraud exposure, chargebacks and manual phone payments create risk and reduce margins.

SOTpay provides a PCI DSS compliant, multichannel payment platform designed for ecommerce and remote retail.

Protect transactions, reduce chargebacks and allow customers to pay securely.

Contact the Team

Request a Demo of SOTpay for Online Retail

Download the SOTpay Digital Brochure for Online Retailers

Why Online Retailers Choose SOTpay

Eliminate Fraud-Related Chargebacks

3-D Secure authentication shifts liability to issuing banks, protecting revenue.

PCI DSS Compliance Made Simple

Sensitive cardholder data never enters your systems.

Multichannel Payment Collection

Collect payments via phone, SMS, email, WhatsApp or secure links.

Remove Phone-Based Card Entry

Customers enter details themselves in a secure hosted environment.

Lower Transaction Costs

Open Banking reduces card processing fees.

Ecommerce & Accounting Integration

Connect with Xero, QuickBooks and ecommerce platforms.

Scalable Hosted Platform

Handle high transaction volumes without infrastructure changes.

Sell Without a Website

Not every retailer operates through a traditional ecommerce store. SOTpay allows businesses to sell directly through social media, messaging apps and manual order channels. Whether orders come via Facebook, Instagram, WhatsApp or email, secure payment links can be sent instantly, turning conversations into completed transactions without the need for a checkout or website.

Real-World Applications

Phone Orders - Secure card-not-present payments during customer calls.
Email Orders - Send secure payment links for invoice-based sales.
Social Media Sales - Collect payments from Facebook, Instagram or messaging enquiries.
High-Value Orders - Use Open Banking for large purchases.
Backorder Payments - Collect payments when stock becomes available.
Customer Service Payments - Take payments for upgrades, add-ons or replacements.
Side-Hustle Online Sellers - Sell your products directly through your social media posts instead of paying third-party seller platform fees.

The Added Value of SOTpay Connect

Accounting Integration - Automatically reconcile payments into finance systems.
Open Banking Support - Reduce fees for higher-value transactions.
Multichannel Payment Automation - Trigger payment links from customer service workflows.
Real-Time Payment Tracking - Monitor payment success and failures.
Fraud Protection & Liability Shift - 3-D Secure authentication protects transactions.
Scalable Payment Infrastructure - Handle high transaction volumes efficiently.

Secure Payments for Online Retailers

SOTpay helps online retailers reduce fraud, eliminate chargebacks and secure card-not-present payments, whether they have an ecommerce-enabled website or not. From phone orders to ecommerce transactions, SOTpay delivers secure and compliant payment collection.

How It Works

Retailer creates payment request or checkout is initiated
Customer receives secure payment link
Customer enters payment details securely
3-D Secure authentication applied
Payment authorised in real time
Dashboard updates payment status
Payments reconcile automatically

Perfect Payment Solutions for Online Retail

Securafone – secure phone payments
PayPrompt – email payment links
Text PayLink – SMS payment requests
OmniPay – multichannel payments
Link Pay Bank – Open Banking payments
SOTsync Pro – reconciliation and reporting

Business Benefits

Eliminate fraud-related chargebacks
Reduce PCI DSS compliance scope
Protect card-not-present transactions
Improve customer payment confidence
Lower processing fees
Reduce manual payment handling
Enable multichannel payment collection
Improve operational efficiency

Request a Demonstration

Frequently Asked Questions

Do I need a website to take payments?

No. SOTpay allows you to take payments without a website. You can send secure payment links via SMS, email, WhatsApp or social media platforms like Facebook and Instagram. This means you can turn conversations into completed sales instantly, making it ideal for retailers operating through messaging apps or social channels.

How does SOTpay prevent fraud-related chargebacks?

3-D Secure authentication shifts liability to issuing banks for fraudulent transactions.

Do staff handle card details?

No. Customers enter details securely themselves.

Can SOTpay integrate with ecommerce systems?

Yes. SOTpay integrates with accounting and ecommerce platforms.

Does it support phone and email orders?

Yes. Payment links can be sent via phone, email or messaging.

Is SOTpay suitable for high-volume retailers?

Yes. The platform is fully hosted and scalable.

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