Add payments to your software.
Without the headache.
PABTEK's PAB Gateway gives software companies a complete payment infrastructure — credit cards, ACH, smart payment links, embedded widgets, custom reporting, and a full merchant dashboard. One integration. One onboarding. Total control.
PAB Gateway
Everything built in. Nothing bolted on.
A full suite of payment tools your software and your merchants can use from day one — no patchwork integrations, no surprise limitations.
ACH
Next-Day ACH Funding
Qualified merchants receive ACH deposits the next business day — accelerate cash flow and strengthen vendor relationships.
Credit Card
Credit Cards Settle in 24 Hours
Credit card transactions settle within 24 hours — fast, predictable access to funds for every merchant on your platform.
Quick2Pay (Q2P) Links
Send a secure payment link and get paid instantly via Credit Card or ACH. No login required for the customer.
Instant collectionSmart2Pay Links
Let customers pay multiple invoices, short-pay, defer, or dispute at the line-item level — all through one smart link. Balances tracked automatically.
Defer & dispute readyCustomized Payment Links
Create reusable branded payment links and share as a URL or QR code — for any amount, any use case.
Shareable & reusableEmbed Widgets
Drop a payment widget directly into your platform so customers never leave your system to complete a transaction.
White-label readyProcessing Fee Control
Merchant pays, customer pays, or split it — you decide who absorbs the processing fee on every transaction.
Merchant · Customer · SplitWeb Terminal
Take payments in person or over the phone from any browser — no extra hardware required. Also works with PAX A920 MAX for tap, swipe, and mobile.
In-person & remoteLive Dashboard & PAB AI
Real-time dashboards, automated notifications, and PAB AI — ask anything about unpaid invoices, pending payments, or deferred items.
Real-time visibilityCustomer Portal
Customers approve, dispute, and pay invoices with one click — with access to all related documents like AWBs and BOLs.
Self-serve paymentsCheckout API
Build a fully custom checkout experience inside your software — payments process seamlessly in the background.
Developer-readyMerchant-level defer & dispute control
Defer and dispute options on Smart2Pay links are fully controlled at the merchant level. If you don't want customers to defer or dispute invoices, you can turn either option off independently — giving you complete control over how your customers interact with their invoices.
Reporting
Reports built for every layer of your business.
Every report is customizable with a date range selector — pull exactly the data you need, for any time period, on demand.
Custom date range on every report
Select any start and end date to filter report data — full control over the time period you're analyzing, whether it's daily reconciliation or a quarterly audit.
Statements
All statements by customer — statement date, due date, totals, overdue days, and current vs past due balance summary.
Statement Transaction Report
Detailed summary of outstanding and paid invoices — due dates, applied payments including partial and deferred, and current balances per statement.
ACH Batch Merchant Report
Full ACH batch detail per customer — total amounts, processing dates, batch identifiers, and transaction status for every batch.
Credit Card Report
Credit card transactions grouped by merchant — gross amount, fees, and net received, with per-merchant and overall summaries.
Payable Report
Summary of payables by merchant — due amounts, payment status, and key transaction details for all outgoing payments.
Credit Card Batch Merchant Report
Detailed credit card batch summary per customer — total amounts, processing dates, batch identifiers, and per-transaction status.
Aging Report
All open statements by customer — statement date, due date, totals, overdue days, and current vs past due balance breakdown.
Transactions Report
All transactions by merchant and payment type — gross, fees, net received, and a detailed breakdown per transaction.
For software partners
One onboarding, all payment types
Credit Cards and ACH under one merchant account. Your users are live immediately with no double setup.
Real-time reconciliation
Every transaction tracked live. QuickBooks webhook sync keeps your books clean automatically.
Checkout API & embed widgets
Build a checkout experience that fits your software with our API, or drop in a ready-made widget in minutes.
Partner certification program
Get certified as a PAB Gateway partner — ensuring your integration meets the highest security and performance standards.
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Trusted across industries