Merchant payment gateway
Take the money.
Wherever it comes from.
Aldgate Pay connects your checkout to over 150 local payment methods across 200 markets — cards, wallets, bank transfers, cash vouchers — through one integration and one settlement account.
Built for digital goods, SaaS, marketplaces and subscription businesses selling across borders.
How it works
Three steps from integration to settlement
No card scheme applications, no separate acquirer contracts, no local entity in every market you sell to.
Connect
Drop in the hosted checkout or call the API directly. Most merchants are taking live payments within a week of approval.
Collect
Your customer sees the methods they actually use, priced in their own currency, on a checkout that carries your brand.
Settle
Funds are consolidated and paid out on your schedule, in the currency you choose, with a single reconciliation file.
Coverage
Local methods, not just international cards
In most markets outside the card belt, a card-only checkout turns away more customers than it converts. These are the methods that move the numbers.
Europe
- iDEAL
- SEPA Direct Debit
- Bancontact
- Klarna
- Blik
- MB Way
- Trustly
Latin America
- PIX
- Boleto Bancário
- OXXO
- Yape
- PSE
- Mercado Pago
- Webpay
Asia Pacific
- UPI
- Alipay
- WeChat Pay
- GrabPay
- DANA
- PayNow
- Konbini
Middle East & Africa
- Mada
- Fawry
- Benefit
- KNET
- M-Pesa
- Airtel Money
- Ozow
Developers
An API your team can read
- REST API with idempotency keys and signed webhooks
- Hosted checkout, or full control with direct API calls
- Test keys and a sandbox from the day you sign
- 3-D Secure 2 handled for you, with exemption logic built in
# Create a payment curl https://api.aldgatepay.com/v1/payments \ -H "Authorization: Bearer $ALDGATE_KEY" \ -d '{ "amount": 4980, "currency": "EUR", "method": "ideal", "reference": "ord_8812", "return_url": "https://yourshop.com/thanks" }' # Response { "id": "pay_3nQ7f2Kx", "status": "pending", "redirect_url": "https://gate.aldgatepay.com/…" }
Pricing
One rate card. No monthly minimum.
Pricing varies by method, market and risk profile. The figures below are indicative — you get a firm rate card with your account offer.
Standard
2.4% + €0.25 per transaction
- All payment methods included
- Settlement in 25 currencies
- Weekly payouts as standard
- Chargeback handling included
- Email and ticket support
Scale
Custom from €250k monthly volume
- Interchange-plus pricing available
- Daily payouts and split settlement
- Dedicated account manager
- Custom risk and routing rules
- Volume-based rate review
Risk and compliance
The unglamorous part, handled properly
Fraud screening
Every transaction is scored before authorisation. Rules are tuned to your market and sector rather than a global default, so you block fraud without blocking customers.
Chargeback management
Disputes are surfaced the day they arrive, with evidence templates and deadline tracking. We represent on your behalf where the evidence supports it.
Card data security
Card details never touch your servers. Payments are processed on PCI DSS Level 1 certified infrastructure, which keeps your own compliance scope to a self-assessment questionnaire.
Common questions
What merchants ask us first
What is Aldgate Pay?
Aldgate Pay is a merchant payment gateway. It connects an online checkout to over 150 local payment methods across more than 200 markets through a single integration, and consolidates the money into one settlement account. It is a trading name of Grant & Graham Holding OÜ, operating from Dubai.
Which payment methods can I accept?
Visa and Mastercard, digital wallets such as Apple Pay, Google Pay, Alipay and WeChat Pay, bank transfer methods including iDEAL, SEPA Direct Debit, PIX and UPI, and cash voucher schemes such as Boleto, OXXO and Konbini. Coverage varies by market and by the risk profile of your business.
How long does integration take?
A hosted checkout can be live in a day once your account is approved. A direct API integration typically takes a developer a few days. The longer part is usually account approval, which depends on how quickly you can supply company documents, ownership details and processing history.
What does it cost?
Standard pricing starts at 2.4% plus €0.25 per transaction, with no monthly minimum. Above roughly €250,000 in monthly volume, interchange-plus pricing is available. Your actual rate depends on the methods you accept, the markets you sell into and your chargeback history, so the figure on your rate card may differ.
When do I get paid?
Weekly payouts are standard, in any of 25 settlement currencies. Daily payouts and split settlement are available on the Scale plan. Every payout arrives with a single reconciliation file covering all methods and markets.
Do I need to be PCI compliant?
You still have PCI DSS obligations, but they are much smaller. Because card details are captured on PCI DSS Level 1 certified infrastructure rather than your own servers, most merchants using the hosted checkout qualify for the shortest self-assessment questionnaire rather than a full audit.
Where is Aldgate Pay based?
The office is at One Central, Downtown Dubai, United Arab Emirates. The contracting entity is Grant & Graham Holding OÜ, registered in Estonia. Merchant enquiries go to pay@aldgatepay.com.
Let's look at your payment mix
Send us your current volumes, markets and methods. We'll come back with a rate card and an honest view of what we can improve — and what we can't.