About Us

A leading Fintech innovator in guaranteed payments.

G-PAY™ provides guaranteed payment technology solutions that enable clients to do business better with absolute payment assurance across the supply chain. The company’s guaranteed payment solutions reserve, allocate and report on funds in real-time across major banks and industries. This capability removes payment complexity, increases control, lowers risk and unlocks substantial economic value for clients.

G-PAY™ is a division of Incatorque (Pty) Ltd. and a trusted South African company that has been providing payment technology solutions since 2011. G-PAY™ has from the inception been an innovator, pushing the boundaries of traditional payment paradigms. The company's majority shareholder is Mettle (Pty) Ltd, a specialist financial services company. www.mettle.net

Our Focus

Trusted Fintech Company.
  • Shifting traditional payment paradigms since 2011.

  • Mettle (Pty) Ltd. as majority shareholder.

  • Comply with National Payment System Act of 1998.

  • A PASA Authorised System Operator.

  • Independent payment partner.

Proven Solution.
  • Proven ability to remove payment uncertainty and payment complexity across organisations, supply chains, industries and financial boundaries.

  • Registered G-PAY™ solution functionality and capability under RSA Patent Application No.2020/05267.

Industry-leading Technology.
  • Industry-leading Public Ledger cloud technology.

  • Configurable and open architecture for integration.

  • Fully secure, annual VAPT testing.

  • Dashboards across various accounts, banks and ledgers.

  • Ledger accounts deployed on existing bank accounts.(e-Escrow).

  • Closed, open and hybrid loop solution configurations.

Fully integrated with major commercial banks.
  • Full host integration directly with banks on bank accounts. We do not deploy screen scraping or other unsecure methods and we are fully compliant with the NPS and other regulators.

  • Ability to manage accounts and payments across different banks and account structures even within one business transaction.

  • Near Real-time processing with the banks.

  • Open architecture to add additional banks when required.

Our Story

Our noble purpose.

Our story of shifting paradigms in guaranteed payments.

Companies across the supply chain seek increased payment assurance to manage risk. In the process, companies are hampered by complex payment guarantee systems with manual, paper-based processes that require negotiation, collaboration and an extraordinary time to process.

We believe that payment assurance across the supply chain should be simpler, faster with more control and less risk. This belief has fueled our purpose to guarantee payments.

What people say

Lébe Oosthuysen

CEO, Mettle.

G-PAY™ assisted us in making funding available to SME Clients. By using G-PAY™ we could control the cash flow in and out of the SME bank accounts thereby ensuring our loan funds were applied commercially as well ensuring timeous repayment of our loans. G-PAY™ enabled us to automate ethical behavior.


Visit us at: www.mettle.net

Corne Liebenberg

Direkteur Bemarking – Laeveld Agrochem

G-PAY™ is werklik ‘n wêreldklas, Suid Afrikaans ontwikkelde stelsel wat betalings tussen ‘n koper en verkoper fasiliteer. G-PAY™ se funksionaliteit is gebruikersvriendelik, spaar tyd vir beide die koper en verkoper en bied boonop verligting betreffende die adminitrasieproses van ‘n verkooptransaksie.


Besoek on by: https://laeveld.co.za/

Bernd Feucht

MD, B4i Group

G-PAY™ is a great Fintech partner that provides financial assurance to all stake-holders in the supply chain. Suppliers are guaranteed their payment with the placement of the order, the client will not part with his/her funds before the ordered product (including correct quantity) has been approved and even further service providers can be paid during the same single payment.


Contact us at: https://www.b4i.co.za

Raphael Karuaihe

JSE Head of Commodities, Capital Markets

As a Vendor to the JSE, G-PAY™ has enabled the physical execution and settlements of Diesel in completion of Futures obligations on the JSE platform.