PayGate – Online Direct Debit Billing

PayGate is an internet-based online direct debit billing service from FFA PaySmart, the direct debit billing specialists.

PayGate's per debit fee is extremely competitive – you may find it is significantly less that you are used to. PayGate is provided as a service that connects to your own software, to submit your payment requests online and receive online the outcomes of those requests.

PayGate's processing flows are simple and effective :

• your client, branch or franchise sends their direct debit payment requests to head office

•  head office transfers those payment requests to PayGate via the web service

• each working day, PayGate submits those payment requests to the banking system

• head office regularly polls PayGate for updates to the status of those payment requests

• once funds are cleared, PayGate transfers those funds via direct deposit to each client, branch or franchise

• PayGate emails a settlement statement to reconcile the funds transferred, to each client, branch or franchise.


PayGate supports two models of connection :

• build your own web interface, using your I.T. resources, that directly connects your own software to the PayGate service

• use our PayGate Client application that translates each entry contained in a file placed in its “Inbox” folder into online payment requests, and provides outcomes as a file delivered to its “Outbox” folder ready for you to interpret.



PayGate can deliver a direct debit billing service, across the internet, at no expense to your business. The PayGate service is the new online internet service provided by FFA PaySmart.

We one of Australia 's largest and most successful national direct debit billing providers, servicing our satisfied clients since 1994. FFA PaySmart's average collection rate is in excess of 98% of debits, on the due date – we have a range of direct debit billing solutions to match your business needs.


Click here to find out more about FFA PaySmart
Click here to request more infomation about the PayGate service
Click here to download the Test GateWay Client appilcation
Click here to download the Live GateWay Client