Setting Up Payment Methods

Enable secure payment processing to start accepting customer orders.

Supported Payment Methods

Online Payments

Accept digital payments:

Credit/Debit Cards: Visa, Mastercard, Amex
Mobile Money: MTN, Vodafone, Airtel, etc.
Bank Transfers: Direct bank payments
Digital Wallets: PayPal, Stripe, etc.

Cash Payments

Alternative payment options:

Cash on Delivery: Pay when order arrives
Bank Deposit: Customer deposits to your account
Pay on Pickup: Pay when collecting order

Payment Providers

Connecting Payment Provider

Set up payment processing:

Go to Settings > Payments
Select payment provider
Click "Connect"
Enter your account credentials
Verify connection
Enable for your store

Supported Providers

Paystack

Popular in Nigeria:

Easy setup
Low transaction fees
Mobile money support
Instant settlements

Flutterwave

Pan-African coverage:

Multi-country support
Multiple currencies
Mobile money integration
Card payments

Stripe

Global payment processor:

International cards
Advanced fraud protection
Recurring payments
Detailed reporting

Transaction Fees

Understanding Fees

Payment processing costs:

Provider Fees: Charged by payment processor
Platform Fees: Strawlo service fee (if applicable)
Total Cost: Typically 2-4% per transaction

Fee Settings

Configure who pays:

Merchant absorbs fees (lower prices)
Pass fees to customer (add at checkout)
Split fees (share the cost)

Currency Settings

Primary Currency

Set your main currency:

Go to Settings > Payments > Currency
Select your currency (NGN, GHS, ZAR, KES, USD, etc.)
Set currency symbol position
Choose decimal separator

Multi-Currency

If selling internationally:

Enable multiple currencies
Set exchange rates (auto or manual)
Let customers choose currency
Display prices in local currency

Payment Security

SSL Certificate

Secure your store:

Automatically provided
Encrypts customer data
Shows padlock in browser
Required for card payments

PCI Compliance

Payment Card Industry standards:

Handled by payment provider
Don't store card details
Use secure payment forms
Regular security updates

Fraud Prevention

Protect against fraud:

Address verification
CVV requirements
Suspicious order flagging
Risk scoring
Velocity checks

Checkout Configuration

Payment Page

Customize checkout:

Add trust badges
Display security seals
Show accepted payment methods
Include contact information

Required Information

Collect necessary details:

Billing address
Shipping address
Contact email/phone
Special instructions (optional)

Refunds and Disputes

Processing Refunds

Handle refunds:

Go to order page
Click "Refund"
Enter refund amount
Select reason
Process to original payment method

Refund Timeline

When customers receive refunds:

Card payments: 5-10 business days
Mobile money: 1-3 business days
Bank transfer: 3-5 business days

Chargebacks

Dispute management:

Receive chargeback notification
Provide supporting evidence
Respond within timeframe
Platform assists with resolution

Payout Settings

Receiving Your Money

Configure payouts:

Go to Settings > Payouts
Add bank account details
Verify account
Set payout schedule

Payout Schedule

Choose frequency:

Daily: Automatic daily transfers
Weekly: Every Monday
Bi-weekly: Twice per month
Monthly: Once per month
Manual: On-demand payouts

Minimum Payout

Set minimum balance:

Only payout when threshold reached
Reduce transaction fees
Typical minimum: equivalent of $20-50

Payment Reports

Transaction Reports

Track payments:

Successful payments
Failed transactions
Refunded orders
Pending settlements

Financial Reports

Generate insights:

Revenue by date
Payment method breakdown
Average transaction value
Refund rates

Testing Payments

Test Mode

Before going live:

Enable test mode
Use test cards provided
Process test transactions
Verify everything works
Switch to live mode

Test Card Numbers

Use for testing:

Successful payment: Provided by payment processor
Failed payment: Test different scenarios
3D Secure: Test authentication flow

Troubleshooting

Common Issues

Payment failures:

Insufficient Funds: Customer doesn't have enough money
Declined Card: Bank declined the transaction
Expired Card: Card is no longer valid
Network Error: Connection issue

Resolution Steps

Fix payment issues:

Check payment provider status
Verify account credentials
Ensure SSL is active
Test with different cards
Contact payment provider support

Best Practices

Offering Options

Provide multiple payment methods
Include popular local options
Display accepted methods clearly
Keep checkout simple

Building Trust

Show security badges
Display return policy
Provide customer support contact
Use recognizable payment brands

Optimization

Minimize required fields
Enable guest checkout
Save customer payment methods
Offer one-click checkout

Communication

Send payment confirmations immediately
Notify of payment failures
Provide clear refund policies
Keep customers informed of status

Mobile Money Setup

Enabling Mobile Money

For African markets:

Connect mobile money provider
Enable supported networks
Set transaction limits
Test with small amount

Popular Networks

MTN Mobile Money
Vodafone Cash
Airtel Money
Tigo Cash

Mobile Money Benefits

Why customers prefer it:

No need for bank account
Instant confirmation
Widely used in Africa
Mobile-first experience

Cash on Delivery

Setting Up COD

Enable COD:

Go to Payment Settings
Enable "Cash on Delivery"
Set geographic restrictions (if any)
Add COD fee (optional)
Save settings

Managing COD Orders

Handle cash orders:

Track payment status separately
Confirm payment upon delivery
Handle exact change
Provide receipt

COD Limitations

Consider restrictions:

Limit to certain areas
Set maximum order value
Require phone verification
May increase return rate