Do you have products or services you think you can sell online? In that case, you will be really edging to know how to accept card payments. Luckily, it’s nothing technical and within a few minutes, you can get started with accepting card payments on your website.
In the past, to integrate online card payments into your website was a big kind of deal. You needed to probably pay for a merchant account activation, provide a lot of documents and proof of company registration and so on. Not everybody has got the luxury for that.
In this guide, I will show you how to set up card payments on your website with ease. No merchant account subscription, no coding knowledge, and no company registration documents required. Ready to roll?
It’s normal to wonder if you need the whole online payment option for any of your products online. You well just easily set up a payment-on-delivery model and assume you are good to go.
But there are a few reasons why you might want to extend your options of receiving payments.
There are two major ways to accept card payments on your website. Each has the good and the bad side to it though, but it is great you define your choice by knowing about them. For me, accepting through a third party is a No-brainer. It’s easier. I’ll tell you what this means. Let’s look at the differences together.
Personally, I tend to choose third-party payment processing. It’s just easier. I will be talking more about it in this guide as I believe it is the easiest way to receive online payments if you are just getting started.
Okay, so standing on the payment gateway / third party table, there are quite a lot of payment gateways to choose from.
Wait, don’t click buttons yet. These payment gateways I mentioned may be difficult to use most especially if you live in Nigeria. They are good and efficient payment gateways and you can go your way to use them if you can, but I would not be discussing them in this article.
In this article, I would be introducing you to my one, easiest and favorite payment gateway, Paystack.
If you have never heard of Paystack, then you have heard it now :).
Paystack is a startup that helps businesses easily process their online card payments, and what’s more they have a very flexible gateway which you can integrate into your website to start accepting online payments.
Apart from opting in with a payment gateway to receive card payments, there are other things involved; like setting up a shopping cart, order page or checkout form.
Before people can pay to order your product, they need to meet a page which shows details about the product, the price, how it will be shipped and many other things. After this page comes the payment form which will be shown to your buyers; in which they will fill their card details.
You might be thinking of hiring a developer to help you create your checkout form or payment page. That’s a lot, I know right.
But the good news is, Paystack has made it very easy to integrate payment forms right from their website. So you need no coding knowledge, nor technical skill to start accepting card payments on your website.
First, you need to visit www.paystack.com in your browser, then register on the platform.
As a starter, I advise you register as a “Starter Business”, else if you have company documents and registration documents, you can choose to register as a “Registered Business”.
Here are the advantages of registering as a Starter Business on Paystack:
But as a starter business, there are some restrictions:
But I guess NGN 2,000,000 is a great amount to start with as a small business.
Once you complete your registration as a Starter business, you will need to activate your account to start receiving payments. Like I mentioned above, Starter Businesses can easily activate their accounts with their National I.D Card or Voters Card.
If you don’t have any, go get your PVC 🙂
Here is my Paystack Dashboard: To get started, click on “Payment Pages” on your dashboard (I boxed it out in blue).
Afterward, click the “New Page” button
You will be asked if you want to make a page for a “One-time Payment” or “Subscription Payment”. In this case, we are making a page for a One-time Payment. Just for your buyer to make a single time order of your product. Click the “Choose” button.
The next section is the shows up the main steps to creating your payment page. All you have to do is fill as required. Use mine below as a guide. Once the form is filled, click the “Create” button.
Once that is done, you will see a confirmation notice telling you your page has been created successfully.
Now, I can simply copy that link, then link to any of the payment buttons on my website. I can create several payment pages per product and have a button linking to each of them. Let us visit my link and see what my payment page looks like.
Awesome and very easy right? Now here is what happens when anyone clicks the “Make Payment” button. The interesting part…
And in minutes, I have a full payment page to receive card payments for my products or services. My buyers can as well pay with Bank, GTB 737, and Visa QR.
All earnings I make through this form or any of my forms will be stored in my Paystack wallet, which I can withdraw to my local bank account afterwards.
It’s easy isn’t it? Thanks to Paystack!
-Register with Paystack as a Starter Business
-Verify and activate your account by providing your BVN, National ID/Voters Card, Bank Account Details and other information as requested.
-Once your account is activated, go to the Payment Page menu on your Paystack dashboard to create your payment pages.
-Copy your link, share to your buyer or embed into a button on your website.
If you’re selling online then you definitely want to accept cards as part of your user experience. People expect it, it will help you get more sales, and you’ll look more professional too. That’s a big bonus!
So what are you waiting for? 🙂
Are you going to start accepting online payments today?
And did you find this piece interesting? If yes, please share with your friends and also drop a comment. I’d be glad 🙂