Business trading platform

Paygate Terms of Use

Paygate Terms & Conditions

Last updated: August 6, 2021

1. Detailed description of goods and/or services
Commerce24 is a business in the digital listing industry that provide users to create listings online..

2. Delivery policy
Subject to availability and receipt of payment, requests will be processed within 15 days and delivery confirmed by way of email.
(for e.g. booking number / booking voucher etc. and must mention the use of courier and/or postal services and associated costs, if applicable.)

3. Export restriction
The offering on this website is available to South African clients only.

4. Return and Refunds policy
The provision of goods and services by Commerce24 is subject to availability. In cases of unavailability, Commerce24 will refund the client in full within 30 days. Cancellation of orders by the client will attract a 10% administration fee.
(If appropriate – provide details of your policy regarding damaged goods. Also mention guarantees, warranties, etc.)

5. Customer Privacy policy
Commerce24 shall take all reasonable steps to protect the personal information of users. For the purpose of this clause, “personal information” shall be defined as detailed in the Promotion of Access to Information Act 2 of 2000 (PAIA). The PAIA may be downloaded from:

6. Payment options accepted
Payment may be made via Visa, MasterCard, Diners or American Express Cards or by bank transfer into the Commerce24 bank account, the details of which will be provided on request.

7. Card acquiring and security
Card transactions will be acquired for Commerce24 via PayGate (Pty) Ltd who are the approved payment gateway for all South African Acquiring Banks. DPO PayGate uses the strictest form of encryption, namely Secure Socket Layer 3 (SSL3) and no Card details are stored on the website. Users may go to to view their security certificate and security policy.

8. Customer details separate from card details
Customer details will be stored by Commerce24 separately from card details which are entered by the client on DPO PayGate’s secure site. For more detail on DPO PayGate refer to

9. Merchant Outlet country and transaction currency
The merchant outlet country at the time of presenting payment options to the cardholder is South Africa. Transaction currency is South African Rand (ZAR).

10. Responsibility
Commerce24 takes responsibility for all aspects relating to the transaction including sale of goods and services sold on this website, customer service and support, dispute resolution and delivery of goods.

11. Country of domicile
This website is governed by the laws of South Africa and Commerce24 chooses as its domicilium citandi et executandi for all purposes under this agreement, whether in respect of court process, notice, or other documents or communication of whatsoever nature, 5 Harman Road, Claremont, Cape Town, 7708.

12. Variation
Commerce24 may, in its sole discretion, change this agreement or any part thereof at any time without notice.

13. Company information
This website is run by Kimoca (Pty) Ltd based in South Africa trading as Kimoca (Pty) Ltd and with registration number 2021/408374/07 and Denny Pei Chi Mo (Director(s)/Member(s)/Owner(s)).

14. Commerce24 contact details
Company Physical Address: 5 Harman Rd, Claremont, Cape Town, 7708


Telephone: 0731557333