# PayGate Payment Processing — EternalEngine

Accept payments, manage subscriptions, and handle payouts through one white-label gateway, powered by Stripe Connect with lower fees.

Payment Processing PlatformEvery plan

# Payments that just work

PayGate is a white-label payment gateway built into EternalEngine. Accept payments, manage subscriptions, handle disputes and payouts — powered by Stripe Connect with lower fees than the competition.

[Start free](https://app.eternalengineos.io/signup?plan=free&interval=annual)[Request a Demo](https://eternalengineos.io/demo/)

No setup feesPCI compliantReal-time payment tracking

## The payments dashboard

Total volume, transaction count, success rate and daily volume.

Click to enlargeTake cards and ACH with one flat rate.

## Everything you need to get paid

From checkout to payout — PayGate handles the full payment lifecycle so you can focus on your business.

### Hosted & Embedded Checkout

Stripe-powered checkout pages you can host or embed directly in your app. Optimized for conversion with support for cards, wallets, and bank transfers.

### Subscription Billing

Create plans, manage trials, handle upgrades and downgrades. Automatic recurring billing with smart retry logic for failed payments.

### Automatic Payouts

Money flows directly to your bank account. Track payout schedules, view settlement history, and reconcile with ease.

### Dispute Management

Track chargebacks, submit evidence, and monitor resolution status. Get email alerts when disputes are filed so you never miss a deadline.

### Fraud Detection

Configurable fraud rules powered by Stripe Radar. Block suspicious transactions, set velocity limits, and protect your revenue automatically.

### Revenue Analytics

Real-time dashboards for MRR, churn rate, conversion metrics, and revenue trends. Export reports and track performance across all payment channels.

Powered by Stripe Connect

## Enterprise-grade payments, zero infrastructure

PayGate runs on Stripe Connect Express — the same platform used by Shopify, Lyft, and DoorDash. You get PCI compliance, global card acceptance, and payouts on the processor's schedule without managing any payment infrastructure.

### PCI DSS Level 1

Card data never touches your servers. Stripe handles all sensitive payment information with the highest level of PCI compliance.

### 135+ Currencies

Accept payments in 135+ currencies from customers worldwide. Automatic currency conversion and localized checkout experiences.

### All Payment Methods

Cards, Apple Pay, Google Pay, ACH, SEPA, bank transfers — support every way your customers want to pay.

### Instant Payouts

Get paid the same day. Stripe handles the settlement and delivers funds to your bank account on your schedule.

No Stripe account required to start. PayGate handles merchant onboarding through Stripe Connect Express. Merchants complete KYC, link their bank, and start accepting payments in under 10 minutes.

## Charge a customer in one API call

PayGate's REST API is designed for developers. Create checkout sessions, manage subscriptions, and issue refunds with simple API calls.

RESTful API

Standard JSON payloads with bearer token auth

Webhook events

Real-time notifications for payments, disputes, and payouts

Email receipts

Automatic payment receipts and notifications via PostFrame

create-checkout.ts

`// Create a checkout session
const response = await fetch(
 '/api/v1/paygate/connect/checkout',
 {
 method: 'POST',
 headers: {
 'Authorization': `Bearer ${apiKey}`,
 'Content-Type': 'application/json'
 },
 body: JSON.stringify({
 amount_cents: 2500,
 currency: 'usd',
 description: 'Pro Plan — Monthly',
 customer_email: 'client@acme.com',
 success_url: 'https://app.acme.com/success',
 cancel_url: 'https://app.acme.com/pricing'
 })
 }
);

// { checkout_url: "https://checkout.stripe.com/...", session_id: "cs_..." }`

## Start accepting payments in minutes

Three steps from zero to processing payments through PayGate.

1

### Create Your Account

Sign up and connect your Stripe account through our guided onboarding. Complete KYC verification and link your bank — takes under 10 minutes.

2

### Set Up Checkout

Create checkout sessions via API or use the embeddable checkout widget. Configure products, prices, and coupons from the dashboard.

3

### Get Paid

Start processing payments immediately. Track transactions, subscriptions, and revenue in real-time from your PayGate dashboard.

## Why PayGate

80%

Lower Monthly Fees

PayGate Growth starts at $49/mo vs Chargebee's $299/mo and Recurly's $249/mo. Same subscription billing features — fraction of the price.

99.9%

Uptime target

Built on Stripe's infrastructure with EternalEngine's multi-region redundancy, engineered so your payments go through.

10 min

Setup Time

From sign-up to accepting payments in under 10 minutes. No infrastructure to manage, no compliance burden — PayGate handles everything.

PayGate + PostFrame

Every payment event triggers automatic email notifications through [PostFrame](https://eternalengineos.io/features/postframe/) — payment receipts, subscription confirmations, dispute alerts, and payout notifications. No extra setup required.

Pricing

## Simple, transparent pricing

No hidden fees. You only pay for what you process. Every plan includes the full PayGate platform.

MonthlyAnnual — Save 20%

### Starter

$0$0

+ 3.4% + $0.30 per transaction

All-in per card transaction — no separate processing fee · ACH 1% capped at $10

Start accepting payments with zero upfront cost.

- Stripe Connect onboarding
- Hosted checkout pages
- Up to $10K/mo processed
- Payment receipts via PostFrame
- Basic dispute tracking
- 2 API keys
- Community support

[Start Free](https://app.eternalengineos.io/signup?plan=paygate-starter&interval=annual)

MOST POPULAR

### Growth

$49$39/mosave $120/yr

+ 2.9% + $0.30 per transaction

All-in per card transaction — no separate processing fee · ACH 1% capped at $10

For growing businesses with higher volume.

- Up to $100K/mo processed
- Embeddable checkout
- Subscription billing
- Coupon & promo codes
- Webhook events
- Analytics dashboard
- Payout scheduling
- 25 API keys
- Priority support

[Choose Growth](https://app.eternalengineos.io/signup?plan=paygate-growth&interval=annual)

### Scale

$149$119/mosave $360/yr

+ 2.9% + $0.30 per transaction

All-in per card transaction — no separate processing fee · ACH 1% capped at $10

For high-volume merchants needing advanced tools.

- Unlimited volume
- Fraud detection rules
- Multi-currency support
- Custom fee structures
- Audit log & compliance
- Advanced analytics
- Unlimited API keys
- Dedicated support
- SLA 99.9%

[Choose Scale](https://app.eternalengineos.io/signup?plan=paygate-scale&interval=annual)

How we compare

PayGate gives you the power of Stripe Connect with **lower transaction fees than Chargebee or Recurly** and no per-transaction platform markup on higher tiers. Full checkout, subscriptions, payouts, and fraud detection — all in one platform.

Prices shown do not include applicable tax. Transaction fees are in addition to Stripe's base processing rate.

One OS · Apps that compound

## Better together. By design.

PayGate settles what the rest of the OS earns — TitanLedger invoices, BidForge deposits, ScrollForge marketplace sales — at one all-in rate, no separate processing fee, on every transaction.

[ScrollForgeIn-App Store](https://eternalengineos.io/features/scrollforge/)[ClientForgeCRM](https://eternalengineos.io/features/clientforge/)[ThreadRealmCommunity Forums](https://eternalengineos.io/features/threadrealm/)[PostFrameEmail Delivery](https://eternalengineos.io/features/postframe/)[NeuralGridAI Command Center](https://eternalengineos.io/features/neuralgrid/)[BookSlotScheduling](https://eternalengineos.io/features/bookslot/)[WikiShelfKnowledge Base](https://eternalengineos.io/features/wikishelf/)[BidForgeEstimates & Proposals](https://eternalengineos.io/features/bidforge/)[ProjectPathProjects & Time](https://eternalengineos.io/features/projectpath/)[AssetVaultFile Storage](https://eternalengineos.io/features/assetvault/)[TitanLedgerInvoicing & Books](https://eternalengineos.io/features/titanledger/)[NotifyStackNotification Orchestration](https://eternalengineos.io/features/notifystack/)[CrewGridField Service Dispatch](https://eternalengineos.io/features/crewgrid/)[StockShelfInventory Management](https://eternalengineos.io/features/stockshelf/)[SignSealDigital Signatures](https://eternalengineos.io/features/signseal/)[FlowRelayWorkflow Automation](https://eternalengineos.io/features/flowrelay/)

[See the full platform](https://eternalengineos.io/features/)

Questions

## Common questions, straight answers.

### Keep exploring

- [Payment tracking](https://eternalengineos.io/features/financial-operations/payment-tracking/)
- [TitanLedger invoicing](https://eternalengineos.io/features/titanledger/)
- [All financial operations features](https://eternalengineos.io/features/financial-operations/)
- [Plans and pricingFree to start; every paid plan has a 30-day free trial.](https://eternalengineos.io/pricing/)

What does PayGate cost?

The PayGate tier is included on every plan; card and ACH processing rates are listed on this page’s pricing section.

Which payment methods work?

Cards and ACH bank transfers, on invoices, on a hosted payment page or through an embedded payment button you generate in the embed builder.

How fast do I see the money?

Payments show on the dashboard as they succeed and are matched to the invoice; payout timing follows the processor’s schedule.

Can I put a payment button on my own site?

Yes. The embed builder configures a button, shows a live preview and gives you the code to paste.

## Run your business from one place.

Five plans, seventeen launch apps, one dashboard. Set up in under 5 minutes — change tiers any time.

[Start free$0 forever • No card • Upgrade any time](https://app.eternalengineos.io/signup?plan=free&interval=annual)[Talk to Sales](https://eternalengineos.io/contact/)

From $0 · Basic $9.95/mo · Save 20% on annual billing · Upgrade or downgrade any time