One gateway,
every rail on earth.
Integrate once and let QGate present the right payment methods for each payer — cards in London, bank transfer and USSD in Lagos, UPI in Mumbai, Pix in São Paulo — with settlement and reporting unified in one ledger.
Everything an acquiring stack needs, out of the box.
A complete acquiring surface — hosted checkout, a clean API, geo-aware methods and a unified ledger — under one integration and one contract.
Hosted checkout
A conversion-tuned, PCI-scoped checkout page hosted by QoinPay. Brand it with your logo and colours; we handle card capture, redirects and receipts so raw PANs never touch your servers.
Geo-aware payment methods
QGate resolves the payer's country from their IP and shows only the rails that convert there — cards, virtual accounts, mobile money, QR, USSD and real-time bank transfer, ordered by local preference.
Charges API
A clean REST API to create charges, query status and receive signed webhooks. Predictable objects, cursor pagination and verbose test-mode errors get your team to first live charge in an afternoon.
Payment links
Generate a shareable URL for any amount and currency — no code required. Drop it in an invoice, a WhatsApp chat or an email and track its lifecycle from the dashboard.
Social storefronts
Build a product page with photos, sizes, colours and stock, then share one link on Instagram, WhatsApp, TikTok, Facebook or X. Buyers browse, add to a cart and pay without leaving the page — and every link renders a rich preview card on each platform.
Test & live modes
Separate keypairs for test and live environments. Simulate approvals, declines and webhooks against the sandbox, then flip to live without changing a line of integration code.
Idempotent references
Every charge carries a merchant reference enforced unique at the database — retry a timed-out request as often as you need and never double-charge a customer.
Checkout that speaks the payer's language — and rails.
QGate detects the payer's country from their IP and presents only the methods that actually convert there. No hard-coding, no dead ends, no half-supported rails at the last step.
Your brand on the surface, our vault underneath.
The hosted page carries your logo and colours while raw card data never touches your servers — keeping your PCI scope small and your conversion high.
- Inline risk & authenticationQShield screening and Q3DS step-up run inline whenever your policy requires them.
- Encryption & tokenizationSecrets held in an AES-256-GCM vault; network tokens replace raw card data.
- Signed webhooksEvery outcome is confirmed by a signed event you can verify and replay safely.
One call to a hosted checkout URL.
POST an amount, a currency and your unique reference. QGate returns a hosted checkout link — or the resolved methods, if you render the payment surface yourself.
From API call to settled funds in three steps.
Create a charge
POST the amount, currency and your unique reference. QGate returns a hosted checkout URL — or render the methods yourself via the API.
Payer completes checkout
The payer picks a local rail and authorises. QShield screening and Q3DS authentication run inline when your policy requires them.
Get paid, get notified
A signed webhook confirms the outcome, the ledger records fees and net, and funds settle to your account on your schedule.
Stronger together with the rest of the suite.
QGate composes with the products alongside it — orchestration, risk screening and tokenization — under one integration and one contract.
QRoute
Specificity-scored routing rules steer every charge to the best gateway by country, currency, method and amount — with automatic failover when a rail degrades.
Explore QRoute RiskQShield
Rules-based pre-authorization screening: velocity checks, thresholds, blacklists and geo signals — flag or block before money moves.
Explore QShield TokenizationQVault
Network tokenization with push provisioning and a hardened vault — one hub for issuers, one for acquirers and merchants.
Explore QVaultAccept your first payment this week.
Sign up, grab your test keys, and go live once KYC review clears — no setup fees, no minimum volume.