Setting Up Payments
Before you can receive payments from customers, you need to connect your bank or mobile money account.
To get started, go to Store 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 or mobile money wallet
- You keep 100% of each transaction minus Paystack's 1.95% processing fee — Strawlo takes no cut
- Money is released to you within 24–48 hours, usually within 24
You don't need to create a separate Paystack account — Strawlo handles the integration for you.
Setting Up Your Payment Account
Step 1: Choose Your Bank or Mobile Money Provider
On the Payments settings page, choose how you want to be paid:
- Bank account — Select your bank from the dropdown list
- Mobile Money — Choose your provider:
- MTN Mobile Money
- Vodafone Cash
- AirtelTigo Money
For mobile money, you'll 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:
| Type | Format |
|---|---|
| Bank | 13 digits |
| Mobile Money | 10 digits (phone number) |
Step 3: Verify Your Account
Click Verify Account to confirm your details with Paystack. The system will:
- Check your account number against the bank or provider'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/provider 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.
Supported Payment Methods
Your customers can pay using:
- Debit/Credit Cards — Visa, Mastercard, and Verve
- Mobile Money — MTN MoMo, Vodafone Cash, AirtelTigo Money
- Bank Transfer
Customers choose their preferred method at checkout — you don't need to configure anything extra. International customers can also pay with Visa or Mastercard.
Pay-on-Delivery
Allow customers to order now and pay cash when they receive their product.
Enabling Pay-on-Delivery
- Go to Store 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.
Fees and Revenue
Platform Fee
Strawlo does not charge a platform fee on transactions. You keep 100% of your sale minus the Paystack processing fee.
Paystack Processing Fee — 1.95%
Paystack charges a flat 1.95% per transaction. This is the only fee on a sale, and it's not something Strawlo adds on top.
What You Receive
For every transaction:
Sale amount − 1.95% Paystack fee = Your payout
Example: A customer pays ₵100
- Paystack fee: ₵1.95
- You receive: ₵98.05
When You Get Paid
Funds are released within 24–48 hours of a sale — most often within 24 hours. A payment today typically lands in your account by tomorrow; it can take up to 48 hours when a sale happens late in the day, over a weekend, or on a public holiday. You don't need to request payouts — it's fully automatic.
See the Understanding your payouts article for full details and how to track your earnings.
Updating Your Payment Settings
If you need to change your bank account or payment details:
- Go to Store 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 or provider
- 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)
- Contact support if the issue persists
"Subaccount not found"
- This usually means your payment setup needs to be refreshed
- Go to Store 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 for Faster Access
Mobile money settlements are quick and reliable — funds usually reach you the same or next working day.
3. Enable Pay-on-Delivery
Offering POD as an option can significantly increase your conversion rate, especially for first-time customers.
4. Keep Your Details Updated
If you change banks or numbers, update your payment settings immediately so funds go to the right place.
5. Monitor Your Settlements
Check your account regularly to confirm you're receiving payments. If something seems off, check your Payouts page 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 or mobile money details.
Can I use multiple accounts?
Currently, you can only have one bank or mobile money account connected per store. To change it, update your payment settings.
When do I get paid?
Within 24–48 hours of a sale, and usually within 24 hours. Settlements are automatic — there's nothing to request.
Are there any hidden fees?
No. You pay only the Paystack 1.95% processing fee. There are no monthly charges, setup fees, platform 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?
Yes. Paystack supports international card payments — 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