ქართული
English
A Payze alternative you only have to integrate once
Payze was one of Georgia's payment aggregators — until, in 2025, it wasn't. If your checkout ran on it, that integration has stopped working, and you're here to figure out what replaces it.
This page covers three things: what actually happened to Payze, why that kind of failure is structural rather than a one-off, and every payment provider you can reach through QuickPay instead — with enough detail to judge them, not just a logo wall.
We connect you to every payment provider in Georgia — banks, independent PSPs and international options — through one integration. You keep your own merchant accounts; money settles directly to you. When you want to add a provider, drop one, or replace one that's gone quiet, you do it from a dashboard toggle, not from your codebase.
Integrate once. Change providers as often as you like.
Payze built a real business: a card-payment aggregator that let merchants across Georgia accept payments through one integration instead of negotiating with each bank separately. It processed real volume — by its founder's own account, peaking at around $10 million a month.
It didn't close because Georgia's regulator forced it to. In a public account of the shutdown, Payze's founder, Gega Tsurtsumia, said the acquiring business closed because the economics didn't hold: merchants were charged roughly 2% per transaction, and after payment-network and banking costs, Payze kept about 0.3% of that. Running licensed, compliant infrastructure profitably at that margin needed volume in the hundreds of millions per month — an order of magnitude above what the platform ever reached. Read the founder's account ↗
It wasn't a Georgia-specific decision either — the same wind-down reached Payze's other markets. In Uzbekistan, merchants were told payment processing would stop on 30 April 2025, withdrawals would stay open until 15 May, and dashboard access would close after that. Uzbekistan shutdown notice ↗
Worth being precise about what actually closed: Payze's Georgian entity, Cleard Systems LLC, still appears on the National Bank of Georgia's registered payment-provider list — its license was never revoked. National Bank provider register ↗ What ended was the commercial acquiring service built on top of it — running separately licensed, fully compliant infrastructure in a market too small to cover its cost.
That distinction matters for anyone choosing a replacement. This wasn't a regulator pulling a license, and it wasn't one bad call — it was the unit economics of owning acquiring infrastructure end to end in a market this size. That's the part worth understanding before picking what replaces it.
Payze's numbers aren't unique to Payze. Any aggregator that also acts as the acquirer carries licensing, compliance, fraud and banking costs that are close to fixed per market, against card-processing margins that are thin everywhere. Cover those fixed costs with genuinely large volume, or the model doesn't hold.
QuickPay isn't built on that model. We're not an acquirer, we never hold your funds, and we don't take a percentage of your sales — so there's no volume threshold we need you, specifically, to clear for the relationship to make sense for us.
Switch providers from a dashboard, not a sprint.
Enable or disable any payment method in seconds. No redevelopment, no downtime, no waiting on a developer's availability. If a competitor offers you better rates next year, you can act on it the same afternoon.
Outages get handled before your customers notice.
When a gateway stops responding, our monitoring detects it and automatically removes that method from your checkout — within minutes, without anyone on your side watching dashboards. Your customers see the methods that work, not an error page.
Bank API changes are our maintenance, not yours.
BOG, TBC and Credo each have their own documentation, their own quirks and their own release schedule. We track all of them. Your integration doesn't move.
You're never locked in to one provider's fate.
This is the part that matters after Payze: your business shouldn't depend on whether a single payment company's unit economics work out in a market this size. Spread that risk across your own bank relationships instead of one intermediary's balance sheet.
Not a logo wall — what each one actually is, and where it fits.
Bank of Georgia Bank
Bank of Georgia's own card acquiring — Visa, Mastercard, Amex, plus installments and 0% BNPL issued by the same bank.
TBC Bank Bank
TBC Bank's card acquiring, with installment plans up to 36 months issued directly by TBC.
Credo Bank Bank · Installments
Credo Bank's installment lending, layered on top of a purchase — you're paid in full upfront.
Liberty Bank
Liberty Bank's card acquiring, including tokenized cards for recurring and subscription charges.
Flitt TBC product
A separate acquiring product from TBC Bank, with its own installment and 0% BNPL plans alongside standard card payments.
UniPay Independent PSP
An independent Georgian card-processing gateway, run outside the major banks.
Keepz Independent · Open banking
Card acceptance plus open-banking transfers and QR payments — built for fast, in-person or link-based checkout.
Moka Independent PSP
United Payment's card acquiring, offered in Georgia as an additional processing option.
Fastoo Independent PSP
An independent Georgian card gateway.
ElectraPay Independent PSP
An independent Georgian payment gateway.
CityPay (crypto) Crypto
Cryptocurrency payments, settled to you in GEL — your customer needs a wallet, you don't.
PayPal International
PayPal balance and linked cards, for customers who'd rather not enter card details directly on a Georgian site.
Paysera International
Paysera, a Lithuania-based e-money institution, offering card and open-banking payments across the EU and Georgia.
Plus direct bank transfer with automatic reconciliation, and cash on delivery.
27 payment modules in total. Turn any of them on or off whenever you want.
One integration opens all of it:
Cards
Visa, Mastercard, Amex, Apple Pay, Google Pay
Installments (განვადება)
BOG, TBC, Credo and Flitt, 3 to 36 months. You're paid in full upfront; the bank collects from the customer.
BNPL / 0% (გადანაწილება)
BOG and Flitt. The bank absorbs the financing cost, so it costs neither you nor the customer extra.
QR payments
Printed code, phone camera, done. No POS terminal or rental contract.
Crypto
Via CityPay, settled to you in GEL. You need no crypto wallet.
Bank transfer
IBAN with an order reference and automatic confirmation
Cash on delivery
Subscriptions
Recurring charges against stored card tokens
Installments and BNPL are worth singling out. In Georgia they're not a nice-to-have — for anything above roughly 200₾, they're often the difference between a completed order and an abandoned one.
QuickPay takes no percentage of your sales. Ever.
The platform fee is 0₾. You subscribe to the payment modules you actually use, and every module has a free tier — so a Facebook page adding installments, or a WooCommerce store adding card payments and BNPL, can run at no cost.
Bank processing fees stay between you and your bank, exactly as they always were. We don't sit in that flow and we don't take a cut of it.
That also means your costs stop scaling the moment your revenue does.
Payments are the reason you're here, but the account includes the rest of the stack:
- Hosted checkout page, plus shareable payment links and QR codes
- Landing page builder with unlimited pages, custom domain and free SSL
- Lead CRM — form submissions, operator assignment, statuses, notes, call and SMS from the dashboard
- Invoices and recurring billing
- Revenue analytics by gateway, brand and channel, with CSV export
- Multiple brands in one account, each with separate credentials, analytics and API keys
- Instant Telegram, email and SMS notifications on every payment
- White-label and custom domain, both free to activate
Pick whichever fits. Most merchants never write a line of code.
You run a store on a known platform.
Install the plugin, paste an API key, choose your methods. Under an hour, typically.
WooCommerce OpenCart PrestaShop CS-Cart WHMCS Easy Digital Downloads
You don't have a site at all.
Payment links and QR payments need no website and no code. Create a link, send it on Instagram, WhatsApp or SMS, and the customer pays on a hosted page.
You want the API directly.
A REST API with HMAC-signed webhooks, idempotency keys, a sandbox and an in-dashboard playground. API documentation.
Coming from a direct Payze integration? The endpoint-by-endpoint guide is here: Migrating from Payze to QuickPay.
Payze is no longer the comparison. This is:
| Integrate banks directly | One other PSP | QuickPay | |
|---|---|---|---|
| Integrations to build | One per bank | One | One |
| Adding a payment method later | New integration | Whatever they support | Dashboard toggle |
| If your provider stops operating | — | Full reintegration | Switch providers, no code change |
| If a gateway goes down | You find out from customers | You wait for their fix | Auto-removed from checkout |
| Bank API changes | Your maintenance | Their maintenance | Our maintenance |
| Who holds the merchant account | You | Often the PSP | You |
| Installments across multiple banks | One integration each | Rarely all of them | All four, one integration |
| Cost model | Bank fees | Usually % of sales | Per module, no % of sales |
Worth knowing before you invest a week.
- No split payments. If you ran a marketplace that split a single charge between multiple recipients, we don't have an equivalent. You need a payment facilitator, not an aggregator.
- We're not an acquirer and never hold your funds. You need your own merchant agreement with each bank. We route and reconcile; the bank processes and settles.
- We can't shortcut bank onboarding. Approval, paperwork and rates are between you and the bank. We'll help you choose the right one and prepare the application, but we can't approve you.
- Not every feature exists on every gateway. Installments, BNPL and recurring vary by provider — check the module list before you commit to one.
Which payment providers does QuickPay support?
Bank of Georgia, TBC, Credo, Liberty, Flitt, UniPay, Keepz, CityPay, Moka, Fastoo, PayPal, Paysera and ElectraPay, plus direct bank transfer and cash on delivery — 27 payment modules in total. All are available through a single integration and can be enabled or disabled from your dashboard.
Can I switch payment providers later without redeveloping?
Yes. That's the core of how QuickPay works. Adding, removing or replacing a provider is a dashboard setting, not a code change. Your integration stays exactly as it is regardless of which providers sit behind it.
What happens if one of my payment gateways goes down?
QuickPay monitors gateway availability and automatically removes an unresponsive method from your checkout within minutes, so customers only see options that work. It's restored automatically when the gateway recovers — no manual monitoring on your side.
Do I need a registered company?
That depends on your bank, not on us. Several Georgian banks open merchant accounts for individual entrepreneurs. QuickPay itself has no business-entity requirement for registering or using the platform.
Does QuickPay take a percentage of my sales?
No. You subscribe to the payment modules you use, and every module has a free tier. Bank processing fees are separate and go to your bank as they always did. QuickPay never takes a share of your revenue.
Can I keep my existing bank relationship?
Yes, and you should. QuickPay connects to your existing merchant account rather than replacing it. Your rates and settlement schedule with that bank are unchanged.
How long does it take to go live?
If you already hold bank merchant credentials, most merchants are live the same day — under an hour with a plugin. If you need to open a merchant account first, that's usually several days to a couple of weeks depending on the bank.
Can I accept installment payments?
Yes. Installments are available through BOG, TBC, Credo and Flitt for terms of 3 to 36 months. You receive the full amount upfront and the bank collects from the customer. BNPL at 0% is available through BOG and Flitt.
What actually happened to Payze?
Payze voluntarily closed its card-acquiring business in 2025 — Georgia's National Bank never revoked its license, and Payze's Georgian entity still appears on the regulator's provider list. According to its founder, the business closed because running licensed, compliant infrastructure wasn't profitable at the volume it reached. The full account, with sources, is above on this page.
Start with one integration
Create a free account, connect your bank credentials, and run a test payment. No card required to sign up, and no percentage of your sales — now or later.