Payment Setup

PalySales supports multiple payment providers so your customers can pay using the methods most popular in their region. This guide walks you through connecting each provider.

Supported Providers

You can connect multiple providers and set one as your default.

Setting Up Stripe

Stripe is recommended if your business is based in North America, Europe, or any of Stripe's supported countries.

Step 1: Create a Stripe Account

If you don't have one already:

1. Go to stripe.com and click Start now
2. Complete the registration — you'll need your business details, bank account, and ID verification
3. Wait for verification (usually instant for most countries)

Step 2: Get Your API Keys

1. Log into your Stripe Dashboard
2. Click Developers in the left sidebar
3. Click API Keys
4. You'll see two keys:
   • Publishable key — starts with pk_live_ (safe to use in frontend code)
   • Secret key — starts with sk_live_ (keep this private)
5. Copy both keys

Important: Make sure you're viewing live mode keys, not test mode. Look for the "Test mode" toggle in the top-right of your Stripe dashboard.

Step 3: Connect in PalySales

1. In your PalySales dashboard, go to Settings → Payments
2. Click the Stripe card
3. Paste your Secret Key and Publishable Key
4. Click Save
5. Toggle Stripe as your default payment method if desired

Stripe is now ready to accept payments. Customers will see card payment options at checkout.

Setting Up Paystack

Paystack is ideal for businesses in Nigeria, Ghana, South Africa, and Kenya.

Step 1: Create a Paystack Account

1. Go to paystack.com and click Create free account
2. Complete KYC verification — you'll need your BVN (Nigeria), business registration, and bank details
3. Wait for approval (usually 24-48 hours)

Step 2: Get Your API Keys

1. Log into your Paystack Dashboard
2. Click Settings → API Keys & Webhooks
3. Copy your:
   • Secret Key — starts with sk_live_
   • Public Key — starts with pk_live_

Step 3: Connect in PalySales

1. Go to Settings → Payments in your PalySales dashboard
2. Click the Paystack card
3. Paste your Secret Key and Public Key
4. Click Save

Customers in supported regions can now pay with cards, bank transfers, and USSD.

Setting Up Flutterwave

Flutterwave supports businesses across Africa with cards, mobile money, and bank transfers.

Step 1: Create a Flutterwave Account

1. Go to flutterwave.com and sign up
2. Complete business verification
3. Wait for approval

Step 2: Get Your API Keys

1. Log into your Flutterwave Dashboard
2. Go to Settings → API Keys
3. Copy your Secret Key and Public Key

Step 3: Connect in PalySales

1. Go to Settings → Payments in your PalySales dashboard
2. Click the Flutterwave card
3. Paste your keys and click Save

Setting Up Interac e-Transfer (Canada)

Interac e-Transfer is available for Canadian businesses and allows customers to pay directly from their bank account.

Step 1: Configure Your Email

1. Go to Settings → Payments in your PalySales dashboard
2. Click the Interac card
3. Enter the email address where you want to receive Interac payments
4. Click Save

Step 2: How It Works

When a customer chooses Interac at checkout:

1. They receive instructions to send an e-Transfer to your configured email
2. The order is marked as Pending Payment
3. When you receive the transfer in your bank, go to Orders → find the order → click Confirm Payment

Configuring Checkout

After connecting a payment provider, configure which methods customers see at checkout:

1. Go to Settings → Storefront
2. Scroll to the Checkout section
3. Enable/disable checkout methods:
   • Online payment — cards and digital wallets
   • WhatsApp checkout — order sent to your WhatsApp
   • Cash on delivery — customer pays on receipt
4. Set your tax rate and minimum order amount if needed
5. Click Save

Testing Payments

Before going live, test your payment flow:

1. Create a test product in your store
2. Open your storefront ({your-store}.palysales.com)
3. Add the product to cart and proceed to checkout
4. Complete a payment using your provider's test card numbers:
   • Stripe: 4242 4242 4242 4242 (any future expiry, any CVC)
   • Paystack: 4084 0840 8408 4081 (any future expiry, any CVC)

Troubleshooting

"Payment failed" at checkout

• Verify your API keys are correct and from live mode (not test mode)
• Check that your payment provider account is fully verified and active
• Ensure the customer's payment method is supported in your region

Paystack/Flutterwave verification pending

Provider verification can take 24-48 hours. You can use test mode keys in the meantime to verify the integration works.

Customers not seeing payment options

Make sure at least one payment method is enabled in Settings → Storefront → Checkout and your payment provider is connected with valid keys.

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Need help? Contact our support team at hello@palysales.com or check the FAQ for quick answers.