Setting Up Payments
Before you can receive payments from customers, you need to connect your bank account through Paystack — the secure payment processor that powers all transactions on Strawlo.
To get started, go to Settings → Payments in your sidebar.
How Payments Work on Strawlo
Strawlo uses Paystack to process all online payments. When a customer pays on your store:
- The payment is processed securely through Paystack
- Funds are settled directly to your bank account
- You keep 99% of each transaction (Strawlo takes a 1% platform fee)
- Paystack charges a small processing fee (varies by country)
You don't need to create a separate Paystack account — Strawlo handles the integration for you.
Supported Countries
Strawlo currently supports merchants in four countries:
| Country | Currency | Paystack Fee |
|---|---|---|
| Ghana | GHS (₵) | 1.95% |
| Nigeria | NGN (₦) | 1.5% + ₦100 (capped at ₦2,000) |
| Kenya | KES (KSh) | 1.45% + KES 25 |
| South Africa | ZAR (R) | 2.9% |
Setting Up Your Payment Account
Step 1: Choose Your Bank or Mobile Money Provider
On the Payments settings page, select your country and choose your bank from the dropdown list.
Ghana merchants can also select mobile money providers:
- MTN Mobile Money
- Vodafone Cash
- AirtelTigo Money
For mobile money, enter your 10-digit phone number instead of a bank account number.
Step 2: Enter Your Account Details
Fill in your account information:
- Bank/Provider — Select from the dropdown
- Account Number — Your bank account number or mobile money phone number
Account number formats by country:
| Country | Format |
|---|---|
| Ghana (Bank) | 13 digits |
| Ghana (Mobile Money) | 10 digits (phone number) |
| Nigeria | 10 digits |
| Kenya | 10–13 digits (phone number for M-Pesa) |
| South Africa | 9–11 digits |
Step 3: Verify Your Account
Click Verify Account to confirm your details with Paystack. The system will:
- Check your account number against the bank's records
- Return the account holder's name for you to verify
- Confirm the account is valid and ready to receive payments
Important: Make sure the name returned matches your actual account. If it doesn't, double-check your account number and bank selection.
Step 4: Save Your Settings
Once verified, click Save to activate your payment account. You'll see a confirmation that payments are now enabled for your store.
South Africa — Extra Verification
South African merchants need to provide additional details:
- Account Type — Personal or Business
- ID Type — National ID, Passport, or other identification
- ID Number — Your identification number
This is required by Paystack for regulatory compliance.
Supported Payment Methods
Your customers can pay using several methods depending on your country:
All Countries
- Debit/Credit Cards — Visa, Mastercard, and Verve cards
Ghana
- Mobile Money — MTN MoMo, Vodafone Cash, AirtelTigo Money
- Bank Transfer
Nigeria
- Bank Transfer
- USSD
- QR Code
Kenya
- M-Pesa
- Bank Transfer
South Africa
- Bank Transfer
Customers choose their preferred method at checkout — you don't need to configure anything extra.
Pay-on-Delivery
Allow customers to order now and pay cash when they receive their product.
Enabling Pay-on-Delivery
- Go to Settings → Payments
- Find the Payment on Delivery toggle
- Turn it ON
How It Works
When enabled, customers see both "Pay Now" and "Pay on Delivery" options at checkout:
- Pay Now — Customer pays immediately with card or mobile money
- Pay on Delivery — Customer places order without paying
For Pay-on-Delivery orders:
- The order appears on your dashboard with a Pending payment status
- Stock is not deducted until you mark the order as paid
- After collecting cash from the customer, go to the order and click Mark as Paid
- Stock is then deducted automatically
Tip: Pay-on-Delivery builds trust with new customers who aren't comfortable paying online. It's especially popular in Ghana and Nigeria.
Fees and Revenue
Platform Fee
Strawlo charges a 1% platform fee on each transaction. This is automatically deducted when payments are processed.
Paystack Processing Fee
Paystack charges a separate processing fee that varies by country:
| Country | Fee |
|---|---|
| Ghana | 1.95% per transaction |
| Nigeria | 1.5% + ₦100 per transaction (capped at ₦2,000) |
| Kenya | 1.45% + KES 25 per transaction |
| South Africa | 2.9% per transaction |
What You Receive
For every transaction, you receive:
Sale amount − Paystack fee − 1% Strawlo fee = Your payout
Example (Ghana): A customer pays GHS 100
- Paystack fee: GHS 1.95
- Strawlo fee: GHS 1.00
- You receive: GHS 97.05
Settlement Timeline
Funds are settled to your bank account within 2 business days (T+2) after each successful transaction.
Updating Your Payment Settings
If you need to change your bank account or payment details:
- Go to Settings → Payments
- Click Update Payment Settings
- You'll need to verify your identity first:
- Email OTP — A one-time code sent to your email, OR
- Password — Enter your account password
- After verification, make your changes and save
This security step protects you from unauthorized changes to where your money is sent.
Troubleshooting
"Account verification failed"
- Double-check your account number — even one wrong digit will fail
- Make sure you selected the correct bank
- For mobile money, use your 10-digit phone number
- Try again in a few minutes — Paystack's verification service may be temporarily unavailable
"Payment not enabled"
- Make sure you've completed the full setup process (verify + save)
- For Nigeria, Kenya, and South Africa: check if you've completed the KYC verification email from Paystack
- Contact support if the issue persists
"Subaccount not found"
- This usually means your payment setup needs to be refreshed
- Go to Settings → Payments and check the troubleshooting section
- Click the debug tools to verify your Paystack subaccount status
Customers can't complete payment
- Ensure your payment settings are active (green status banner on Payments page)
- Check that the customer is using a supported payment method
- Card declines are usually on the customer's side — ask them to try a different card or payment method
Quick Tips
1. Set Up Payments Early
Complete your payment setup before adding products. You don't want to miss sales because payments aren't configured.
2. Use Mobile Money (Ghana)
If you're in Ghana, consider using a mobile money account for faster, easier access to your funds.
3. Enable Pay-on-Delivery
Offering POD as an option can significantly increase your conversion rate, especially for first-time customers.
4. Keep Your Bank Details Updated
If you change banks, update your payment settings immediately so funds go to the right place.
5. Monitor Your Settlements
Check your bank account regularly to confirm you're receiving payments. If something seems off, check your Paystack dashboard or contact support.
Frequently Asked Questions
Do I need a Paystack account?
No. Strawlo creates and manages your Paystack subaccount automatically. You just need to provide your bank details.
Can I use multiple bank accounts?
Currently, you can only have one bank account connected per store. To change it, update your payment settings.
When do I get paid?
Funds are settled to your bank account within 2 business days after each successful transaction.
Are there any hidden fees?
No. You pay only the Paystack processing fee and the 1% Strawlo platform fee. There are no monthly charges, setup fees, or hidden costs.
What happens if a payment fails?
If a customer's payment fails, no order is created and no fees are charged. The customer can try again with a different payment method.
Can I accept international payments?
Paystack supports international card payments in all countries. Customers from anywhere in the world can pay with Visa or Mastercard.
Is my customers' payment information safe?
Yes. All payments are processed through Paystack, which is PCI-DSS compliant. Strawlo never sees or stores your customers' card details.
Can I offer discounts or free shipping?
Discounts are handled through Strawlo's discount codes feature, not through payment settings. You can create percentage or fixed-amount discount codes from your dashboard.
Need Help?
If you're having trouble setting up payments:
- Email us — support@strawlo.com
- Join our community — Connect with other sellers in our WhatsApp group
- Watch tutorials — Check out our YouTube channel for video guides