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Pateway
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Agent-assisted payment collection

Collect and pay out through your own agent network.

Pateway matches your orders to verified local agents, tracks every proof of payment and keeps the books. We never hold your funds.

Three parties, one record of every payment.

Each merchant runs its own agent network on Pateway. Merchants never see each other's data.

  1. Merchant

    Sends orders by API, approves agents, checks each proof of payment and settles with agents.

  2. Agent

    A verified local agent of the merchant. Takes orders, receives or pays on the merchant's behalf and uploads the proof.

  3. Customer

    Pays or gets paid through a local channel and sees which merchant the payment is for.

How it works

Every order ends with a proof and a ledger entry.

  1. 1 You create a collection order with POST /v1/orders.
  2. 2 An online agent with the right channel takes it.
  3. 3 Your customer pays the agent's account and sees your name on the order.
  4. 4 The agent uploads the transaction ID. You confirm it, and we post it to the ledger and call your webhook.
  1. 1 You create a payout order with the recipient's account.
  2. 2 An agent takes it within their limit.
  3. 3 The agent sends the money to the recipient.
  4. 4 You confirm the proof, and the amount is added to what you owe the agent.

For merchants

Run your agent network from one console.

Pateway is software. The money moves between your customers, your agents and you.

Agent approval
Review ID documents, set deposits and limits, suspend anyone at any time.
Matching
Orders go to agents by region, channel and available limit, with a time limit on each step.
Review desk
Check each transaction ID and screenshot, confirm or reject with a reason.
Three ledgers per agent
Amount owed, commission and deposit, kept separately for every currency.
Statements
The same numbers in your console, your API and each agent's app. Export to CSV or XLSX.
Test mode
A test token with simulated outcomes and webhooks, so you can integrate before going live.

Developers

One REST API for orders, channels and balances.

Bearer tokens, idempotent order numbers, signed webhooks and an OpenAPI file you can generate a client from. Amounts are exact decimal strings with a currency code.

Read the API reference 
POST /v1/orders
{
  "merchant_order_no": "INV-0042",
  "direction": "collection",
  "amount": {"amount": "32500.00",
             "currency": "PKR"},
  "channel": "pk-raast"
}

Trust

Built so every payment can be traced back to a person and a proof.

Pateway does not recruit agents.

Agents join through a merchant they work with. Nobody from Pateway will ask you to pay a fee or send money to become an agent.

Agent notice