How payment methods work
Every way of getting paid in Storeep is a free app. Install the app, set it up and turn on Activate, and the method appears as a choice at your store's checkout. Turn Activate off to hide it without losing your settings. Uninstalling the app removes the method completely.
Payment apps are in Apps, in the Payment gateways tab. Only the store owner and staff members with the Apps permission can install or change them.
The seven payment methods
- Cash on delivery: the buyer pays the delivery person in cash when the parcel arrives. Nothing to connect. See How do I set up Cash on Delivery (COD)?
- Bank transfer: the buyer pays you by manual bank transfer and sends you the receipt on WhatsApp. See How do I accept manual bank transfers?
- PayPal: the buyer pays with their PayPal account. You connect by logging in to PayPal. See the PayPal article.
- Stripe: the buyer pays by card, with optional Apple Pay and Google Pay. You connect by logging in to Stripe. See the Stripe article.
- CMI: the bank card gateway of Morocco. You enter a Client ID and a Store key. See the CMI article.
- Paystack: card and local payments in Nigeria, Ghana, Kenya, South Africa, Côte d'Ivoire, Egypt and more. You enter a Public key and a Secret key. See the Paystack article.
- Mobile Money: MTN MoMo, Orange Money, Airtel Money, M-Pesa, Wave, MVola and other phone wallets, through CinetPay, pawaPay, Flutterwave, Moneroo, Papi or Cartflox. See How do I accept Mobile Money?
The rules PayPal, Stripe, CMI and Paystack share are in How do online card payments work?
What each method needs before it shows at checkout
- Cash on delivery: just Activate.
- Bank transfer: at least one bank added with Activate on.
- PayPal and Stripe: Activate on and at least one connected account.
- CMI: Activate on, both keys saved, and the buyer's market priced in MAD, EUR or USD.
- Paystack: Activate on, both keys saved, and the buyer's market priced in NGN, GHS, KES, ZAR, XOF, EGP or USD. In other currencies Paystack stays hidden, because the payment would fail.
- Mobile Money: a provider connected and activated for the buyer's market, in a currency that provider accepts. It can show in one country and stay hidden in another.
The currency that counts is the currency of the market the buyer is shopping in.
How buyers choose at checkout
The checkout form shows a payment method list with each active method and its icon. The first method is selected by default, and the buyer can pick another. The order of the list is: cash on delivery, bank transfer, PayPal, Stripe, CMI, Paystack, then Mobile Money. You can offer any mix of methods at the same time.
The payment list is a field of your checkout form. You can make it required, optional, or turn it off in the builder. See the checkout form settings.
If no payment app is active, or the field is turned off, buyers can still order. The order has no payment method and is handled like a cash on delivery order.
What happens to the order
- Cash on delivery and bank transfer: the order arrives as Pending, ready for you to confirm.
- PayPal, Stripe, CMI and Paystack: the buyer is sent to the gateway's secure page. The order stays Abandoned until the payment is confirmed, then it becomes Done and is marked Paid.
- Mobile Money: like the card gateways for a full payment, or Pending with a deposit paid. See the Mobile Money article.
More on statuses in What do the order statuses mean?