Secure Online Payment Solutions & Payment Gateway | SOTpay
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Online Payment Gateway for Businesses


Secure Online Payment Solutions for Every Channel


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 do not 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 do not lose sales because your payment setup cannot keep up with how customers actually pay.

Customer paying with a digital wallet on a mobile phone

Built for Security Without Slowing You Down


Security matters, but it should not get in the way of conversion.


SOTpay+ includes:



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

Fraud prevention and payment security icon
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Reduce PCI Scope and Protect Your Business


Handling card data directly creates risk and adds compliance pressure.


SOTpay+ is a platform that 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.

PCI DSS compliant logo

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.

Recurring and subscription payments icon
Download the SOTpay brochure

Real-Time Visibility and Control


Payments should not sit in the background.


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



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

Finance team reviewing payment reports and transaction data

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. See the full set on the integrations page.

Oracle OPERA and business system integrations

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 are 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.

Frequently Asked Questions

What are online payment solutions?
Online payment solutions are the tools a business uses to request, take and reconcile payments across its channels. That usually means a payment gateway for website checkout, plus pay-by-link for remote sales, virtual terminal for phone orders, and integrations that feed the payment back into your accounting system. SOTpay+ covers all of it in one platform rather than leaving you to stitch several together.
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.