Account-to-account payments
for PSPs and platforms.

One integration to major retail banks across the markets we serve. Built for production-grade payment flows at scale.

introduction

Direct bank payments for PSPs and platforms.

Across the world’s high-growth markets, payment platforms increasingly need another route for moving money between accounts. Cards and crypto each play a role, but both come with different trade-offs around coverage, operational complexity and compliance posture. Account-to-account provides a better alternative where those routes are not always the right fit.

Paypump’s Account-to-Account Gateway gives PSPs, aggregators and platforms a single integration to the major retail banks we cover, with the operational consistency, reliability and reconciliation signals production payment systems depend on. Whether the use case is checkout, point-of-sale, payouts or platform disbursements, the same infrastructure sits underneath.

In markets where established local payment systems dominate, account-to-account provides an additional route for moving money directly between bank accounts. In markets where formal open banking infrastructure is still emerging, we operate within the rails that make this possible today.

Paypump — A2A Payment Flow ATLAS STORE atlasstore.co.za PAYMENT DUE ZAR 2,480.00 Merchant Atlas Store Reference REF12324 Order date 21 May 2026 256-bit SSL PSP licensed PAY BY BANK Atlas Store Ref REF12324 ZAR 2,480.00 SELECT YOUR BANK MB Meridian Bank Personal & Business NP Northpoint Bank Internet banking CT Cobalt Trust Personal & Business GF Granite Federal Internet banking HB Halcyon Bank Personal NP Northpoint Bank Secure sign-in Sign in to authorise this payment with Northpoint Bank. USERNAME USER0001 PASSWORD NP Northpoint Bank Signed in AMOUNT TO PAY ZAR 2,480.00 Reference REF12324 Paying ATLAS STORE From account ••• 4471 PAY NOW Authorising payment Securely contacting Northpoint Bank… Payment successful Funds settled directly to merchant Amount ZAR 2,480.00 Reference REF12324 Method EFT · Northpoint Bank

Four flows, one integration.

One product, multiple operational contexts. PSPs and platforms integrate once and apply the same infrastructure wherever money needs to move directly between bank accounts.

INTEGRATION

E-commerce checkout

Pay with bank CUSTOMER BANK RAIL + ZAR 240.00 MERCHANT
Offer a direct bank payment route at checkout that is not dependent on card acceptance, issuer risk appetite or scheme economics. The gateway powers a “pay from your bank” flow through the customer’s existing banking channel, making it particularly relevant in markets where card penetration is uneven or card declines create friction at checkout.

INTEGRATION

In-store point-of-sale

PAY ZAR 240 Confirm CUSTOMER AMOUNT ZAR 240 POS + ZAR 240.00 MERCHANT
The same infrastructure, applied at the physical merchant. Account-to-account at POS can extend payment acceptance beyond cards, helping merchants reach customers who bank but do not always transact by card, or support use cases where traditional card-acquiring economics are less attractive. Funds settle into the merchant account they already operate, through the same underlying rails.

INTEGRATION

Payouts and disbursements

− ZAR 720.00 SOURCE BANK RAIL USER 001 +ZAR 240 USER 002 +ZAR 240 USER 003 +ZAR 240 RECIPIENTS
Marketplace payouts, supplier payments, refunds, insurance claim disbursements or gig-economy settlements – anywhere funds need to move out to a recipient bank account at scale. Built for predictable execution, operational visibility and clean reconciliation, payouts are treated as a core flow rather than an afterthought.

INTEGRATION

Other account-to-account contexts

ZAR 240.00 ACCOUNT A BANK RAIL ACCOUNT B +ZAR 240 ACCOUNT C +ZAR 240 ACCOUNT D +ZAR 240 DESTINATIONS
Treasury movements, B2B settlement, recurring debits and cross-platform transfers all run on the same integration. Different operational teams may own the workflow, but the underlying connectivity, reporting model and infrastructure remain consistent.

Five things our partners get from us.

Our focus is on making account-to-account payments easier to deploy, operate and scale through stronger coverage, cleaner abstraction, production reliability, compliance posture and enterprise-grade execution.

PILLAR 1

Coverage built for the markets we serve

One integration to the major retail banks across the markets we operate in. Live today in South Africa, Botswana, Namibia and Mauritius, with additional African markets actively being added. A single integration, operational model and reconciliation surface means expanding into new markets does not require rebuilding bank connectivity from scratch.

PILLAR 2

Reliability that holds up in production

Built for the operational realities payment systems face in production. Clear status handling, predictable settlement signals and clean failure behaviour help PSPs manage edge cases, reconciliation requirements and operational risk with confidence. Designed for consistency across banks, not best-effort behaviour.

PILLAR 3

A clean abstraction for product teams

One contract, one integration model and one operational framework across every bank and market we cover. Bank-level complexity sits below the line, giving product and engineering teams a more consistent way to launch and operate account-to-account payment flows across checkout, POS, payouts and beyond.

PILLAR 4

Compliance posture

Operated to meet the expectations regulated counterparties place on payment infrastructure. From transaction-monitoring alignment to reporting surfaces, auditability and operational controls, the goal is simple: help partners meet their own obligations with confidence.

PILLAR 5

Enterprise-level execution

Production infrastructure requires production discipline. Technical onboarding, clear counterpart engagement, structured implementation and long-term operational support are part of how we work with partners. The objective is straightforward: dependable infrastructure that becomes part of how your payment stack runs.

Where the rails reach

The Account-to-Account Gateway is currently live across South Africa, Botswana, Namibia and Mauritius, with additional African markets in active expansion. Coverage within each market is built around the major retail banks businesses and consumers already use. If coverage for a specific bank or market is important to your roadmap, speak to us directly — we will walk you through exactly what is supported and how it maps to your use case.

Paypump Account-to-Account Gateway coverage Live Coming soon Not yet planned Paypump · Account-to-Account Gateway coverage

Reach out!

Let’s connect and explore how Paypump can streamline your payment solutions.