Retail Payment Solutions | Reduce Fraud & Fees | SOTpay
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Payment Solutions for Retail Businesses

Reduce fraud, protect margins and improve customer payment experience.

Retailers handle a mix of in-store, remote and high-value transactions. Fraud, chargebacks and manual payment handling can reduce margins and create unnecessary operational friction.

SOTpay provides a PCI DSS compliant, multichannel payment platform designed for retail businesses.

Secure transactions, reduce costs and allow customers to pay across any channel.

clothes on a rack in a store

Why Retailers Choose SOTpay

Eliminate Fraud-Related Chargebacks

3-D Secure authentication shifts liability to issuing banks, protecting revenue.

Lower Transaction Costs

Open Banking reduces card fees and speeds up settlement.

Multichannel Payment Collection

Accept payments in-store, online, over the phone or via SMS, WhatsApp and email.

Sell Without a Website

Take payments through social media, messaging apps and manual order channels. Secure links allow you to convert enquiries into completed sales instantly.

Recurring & Instalment Plans

Offer staged payments for high-value items or subscriptions for repeat purchases.

PCI DSS Compliance Without Burden

Cardholder data never enters your systems, reducing compliance scope.

Integration with Accounting & EPOS

Automatically reconcile payments into Xero, QuickBooks, Sage or EPOS systems.

Real-World Applications

  • Furniture & Home Retail - Offer staged payments for high-value purchases.
  • Multi-Channel Retail - Manage payments across in-store and remote sales.
  • Independent Retailers - Sell via social media and messaging channels.
  • Florists - Take phone and social media orders without handling card data.
  • Automotive Retail - Collect deposits and balances securely.
  • Luxury Retail - Protect high-ticket transactions from fraud.

The Added Value of SOTpay Connect

  • Accounting & EPOS Integration - Automatically reconcile payments into finance systems.
  • Fraud Protection Framework - Remove exposure to sensitive cardholder data.
  • Payment Tracking - Monitor transactions and outstanding balances.
  • Open Banking Payments - Reduce costs on higher-value transactions.
  • Social Channel Payments - Accept payments via Facebook, Instagram and WhatsApp.
  • Direct Debit & Subscriptions - Support recurring purchases and services.
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Secure Payments for Retail Businesses

SOTpay helps retailers reduce fraud, cut costs and improve payment flexibility. From in-store transactions to social media sales, SOTpay delivers secure and compliant payment solutions.

How It Works

  • Retailer sends secure payment link by email or SMS
  • Customer pays via card or Open Banking
  • Payment processed securely
  • Card data never enters systems
  • Dashboard confirms payment instantly
  • Payments reconcile automatically

Perfect Payment Solutions for Retailers

Securafone – secure phone payments
PayPrompt – email payment links
Text PayLink – SMS payment requests
OmniPay – multichannel payments
Link Pay Bank – Open Banking payments
SOTsync Pro – reconciliation and reporting

Business Benefits

  • Reduce fraud and chargebacks
  • Lower transaction costs
  • Increase sales conversion
  • Enable multichannel selling
  • Reduce admin workload
  • Improve customer experience
  • Remove PCI compliance burden
  • Support high-value transactions
female shop assistant smiling behind the counter

Frequently Asked Questions

Do I need a website to take payments?
No. SOTpay allows you to take payments via SMS, email, WhatsApp and social media, making it ideal for retailers without ecommerce sites.
Can I offer instalment payments?
Yes. Staged and recurring payment options are supported.
Does SOTpay reduce fraud exposure?
Yes. 3-D Secure authentication shifts liability to issuing banks.
Does SOTpay integrate with EPOS systems?
Yes. SOTpay integrates with accounting and retail systems.
Can I take payments remotely?
Yes. Payments can be taken via phone, messaging or secure links.
Is SOTpay suitable for high-volume retailers?
Yes. The platform is fully hosted and scalable.



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