Payment Gateway System

Drive Secure, Seamless Online Payments

Accept card payments from your customers anytime, anywhere. The Premier Bank Payment Gateway empowers your business to sell online, accept both local & cross-boarder transactions, and grow revenue with ease.

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Everything You Need To Scale

Explore features that put you firmly in charge of your business

All Payment Types

Accept local KES and international USD payments using Visa, Mastercard, USSD, and bank transfers—so your customers can pay however they prefer.

Easy Refunds

Process full or partial refunds seamlessly via the Refund API or Merchant Portal.

Real-Time Tracking

Monitor transactions, access downloadable reports (Excel, PDF, CSV), and reconcile settlements effortlessly through your merchant dashboard.

Recurring Payments

Support for subscription-based billing (subject to configuration and regulations).

ONE INTEGRATION, ENDLESS POSSIBILITIES

The Premier Bank Payment Gateway gives you all the tools you need to receive and manage payments from any channel – whether it’s cards, google or apple pay.

Global Card Acceptance

Accept Visa and Mastercard payments, including local and international credit, debit, and prepaid cards.

Multiple Payment Methods

Go beyond traditional cards with support for Apple Pay and Google Pay for faster customer experience.

Flexible Integration

Choose from quick hosted checkouts to fully customisable Direct API integrations (PCI DSS required for Direct API)

Pay-by-link Functionality

Perfect for social commerce. Generate secure payment links and share them via SMS or email to get paid without a website.

Omni-Channel Advantage

Combine the gateway with Premier Bank’s POS solutions to accept payments online and in-store with consolidated reporting.

Industries We Serve

The Premier Bank Payment Gateway is designed for your business

Online Stores & E-commerce

Service Providers (Consultants, Freelances)

Schools & Educational Institutions

Travel & Hospitality Businesses

Social Media Sellers

Payment Services Providers (PSPs) and Aggregators

How it Works

Start accepting online payments in just a few days

Apply

Submit your merchant application and required business documents

Review and Approval

Premier Bank conducts due diligence and compliance checks.

Go Live

Begin accepting live customer payments

Integration and Configuration

Choose your preferred integration method and get set up in the UAT (testing) environment.

Settlement

Funds are settled directly into your Premier Bank account according to the agreed cycle (T+2 Business Days)

INTEGRATION OPTIONS

Choose the path that’s right for you

Hosted Checkout

A Quick, Simple & Secure, ready-made payment page. The merchant redirects customers here, with minimal customisation.

Hosted Session

A secure integration method where the merchant can customize the look and feel of the payment form while still relying on the gateway’s secure session handling.

Direct API

The merchant directly integrates with the payment gateway’s APIs. This gives maximum control and flexibility but also requires handling more of the security responsibilities and must be PCIDSS compliant.

Trusted Security

Your customers' data is safe with us

We adhere to the highest industry standards to protect every transaction.

PCI DSS Compliant

SSL/TLS Encryption

Secure Authentication

Advanced Fraud Prevention Controls

Ready To Grow Your Business? Submit Your Details Below.

Take your business to the next level with trusted, hassle-free online payments

Frequently Asked Questions (FAQs)

1. What is the Premier Bank Payment Gateway?

Premier Bank Payment Gateway is a secure online payment acceptance solution that enables merchants to accept card payments through their websites, mobile applications, or other digital channels. The platform facilitates real-time authorisation, processing, and settlement of online transactions.

2. Who is the Target Market?

The Premier Bank Payment Gateway is designed for:

• Businesses and merchants selling goods and services online through websites or mobile applications.

• Payment Service Providers (PSPs).

• Aggregators and Fintechs onboarding merchants on behalf of the Bank.

3. How Does the Payment Gateway Work?

The payment gateway enables customers to make purchases online using their payment cards.

4. Which Payment Methods Are Supported?

The Premier Bank Payment Gateway supports:

• Visa Cards (Prepaid, credit & debit)

• Mastercard Card (Prepaid, credit & debit)

• Apple Pay

• Google Pay

5. Is My Data Secure?

Yes. The Premier Bank Payment Gateway adheres to industry security standards, including:

• PCI DSS Compliance

• SSL/TLS Encryption

• Secure Authentication Mechanisms• Fraud Monitoring Controls

6. What Are Transaction Fees?

Transaction fees vary depending on the merchant agreement and may include:

• Per-transaction fees

• Monthly service fees (where applicable)

• Chargeback processing fees

7. Does Premier Bank Payment Gateway Accept International Payments?

Yes. The payment gateway supports:

• Cross-border transactions

• Multi-currency processing

• International card acceptance

8. How Do I Integrate the Payment Gateway with My Website?

Integration options include:

Hosted Checkout

• Quick and simple integration

• No PCI DSS certification required for the merchant

Hosted Session

• Seamless customer experience

• No PCI DSS certification required for the merchant

Direct API Integration

• Full customization and control

• Merchant must be PCI DSS compliant

9. How Do I Test My Integration?

A dedicated test environment (UAT) and technical integration documentation are provided before production deployment.

10. How Long Does the Onboarding Process Take?

Upon submission of complete KYC documentation:

• Merchant setup in the UAT (Testing) environment can be completed within the same day.

• Once integration and testing are successfully completed, the merchant profile is created in the Production environment.

Actual timelines may vary depending on:

• Completeness of KYC documentation

• Compliance reviews

11. Merchant Onboarding Process

The onboarding process consists of the following stages:

Step 1: Application Submission

Merchant submits:

• Merchant Application Form

• Company Registration Documents

• KYC Documentation

• Bank Account Details

• Website/Mobile Application Information

Step 2: Compliance & Due Diligence Review

The Bank conducts:

• KYC Verification

• Business Validation• Risk Assessment

• Sanctions Screening

Step 3: Merchant Approval

Upon successful review:

• Merchant profile is approved.

• Commercial terms are agreed upon.

Step 4: UAT Environment Setup

• Merchant credentials are issued.

• Technical documentation is shared.

• Integration testing begins.

Step 5: Testing & Certification

Merchant performs:

• Transaction Testing

• Refund Testing

• Settlement Validation

• User Acceptance Testing (UAT)

Step 6: Production Setup

• Production credentials are issued.

• Merchant profile is activated.

Step 7: Go-Live

Merchants begin accepting live customer payments.

12. How Are Transactions Settled?

Approved transactions are settled according to the agreed settlement cycle:

• Local Transactions: T+1

• Cross-Border Transactions: T+3

13. Can I Process Refunds Through the Payment Gateway?

Yes. Merchants can process:

• Full Refunds

• Partial Refunds

Refunds may be initiated through:

• Merchant Portal

• API Integration

14. How Can I View Transaction Reports?

Merchants can access:

• Transaction Reports

• Settlement Reports

• Reconciliation Reports

• Refund Reports

Reports are available through the Merchant Portal provided during onboarding.

15. Does the Payment Gateway Support Recurring Payments?

Yes. Recurring payments are supported, subject to:

• Merchant configuration

• Card scheme requirements

• Regulatory compliance obligations

16. What Currencies Are Supported?

Currently supported currencies include:

• Kenyan Shilling (KES)

• United States Dollar (USD)

17. How Are Chargebacks Handled?

In the event of a disputed transaction:

1. The issuing bank raises a chargeback.

2. The card scheme forwards the chargeback to the acquiring bank.

3. Premier Bank notifies the merchant.

4. The merchant submits supporting evidence.

5. Evidence is reviewed by the card scheme and issuing bank.

6. The dispute is either resolved in favor of the merchant or cardholder.

7. Funds are adjusted accordingly.

18. Who Should I Contact for Support?

Technical and operational support is available through:

• Email Support – cardbusiness@premierbank.ke

• Telephone Support – 0709005500

• Branch support