Complete Guide to Accepting Payments on Your Website-Kitcart


When it comes to online payments, your customers want flexibility. In order to provide them with convenient payment options, you need to choose e-commerce software that is integrated with many different payment systems. Kitcart is an example of such software, supporting over 10 payment providers to process your transactions.

With so many different options, picking a payment option for your brand can be overwhelming, therefore we details of different providers so we ensured to make this part of the process a little bit simpler for you, so we’ve gathered a few of the most popular payment systems that integrate with Kitcart, outlined some of the advantages and disadvantages, and even outlined the setup process for each one.

Automated Payments

Automated payments with credit/debit cards are by far the most popular payment method. Card payments online are similar to using a payment card in stores. Here’s how it works:

  1. The buyer chooses the method of payment. The customer is directed to the payment gateway by the store.
  2. The buyer enters the card number, name, and CVV code (the special security code on the back of the card).
  3. When the customer hits the “Pay,” button the money is deducted from the card, and the buyer is taken back to the store page, where the payment system informs the website that the payment was accepted.” On the same day, money is deposited into your account.

Before choosing a credit card processing gateway, keep in mind that different payment gateways charge different fees and rates, which are usually calculated per transaction.

Be sure you understand the fees and which countries you can accept payments from. If you sell restricted goods (such as firearms or narcotics), your credit card payment processing options may be limited, as certain organisations do not allow these types of transactions.

This list will help you understand some of the most popular online payment solutions and choose the right one for your business.


Kitpay is a payment facilitation platform that helps businesses get paid. With Kitpay, experience the joy of zero activation delays. Go from setup to selling in one click. Kitpay takes off endless compliance, rigorous uploads of documents and prolonged verification period.

This is the native payment method on Kitcart.

International Payments

Accept international payments without friction powered by Stripe in seconds. No setup, monthly, or hidden fees Built on Stripe. Kitpay charges a 5% fee for a transaction ( 2.9% stripe fee + 2.1% facilitation fee).

Local Payments

Seamlessly accept local payments with Paystack payment gateway. .0% For Local Transactions — CARDS Paystack Charge = 1.5% + ₦100 ₦100 fee waived for transactions under ₦2500 Local transactions fees are capped at ₦2000, meaning that’s the absolute maximum you’ll ever pay in fees per transaction Built on Paystack

Offline Payments

Offline Payments automatically capture offline payments with Kitpay’s bank transfer. Zero Charges on bank transfers No setup, monthly, or hidden fees powered by hybrid Technology


Paystack makes it easy for businesses in Nigeria, Ghana, Kenya and South Africa to accept secure payments from multiple local and global payment channels. Integrate Paystack with your store today, and let your customers pay you with their choice of methods.

With Paystack for Kitcart, you can accept payments via:

  • Credit/Debit Cards — Visa, Mastercard, Verve (NG, GH, KE), American Express (SA only)
  • Bank transfer (Nigeria)
  • Mobile money (Ghana)
  • Masterpass (South Africa)
  • EFT (South Africa)
  • USSD (Nigeria)
  • Visa QR (Nigeria)

Paystack charges a 1.5% + NGN 100 fee For Local Transactions with a ₦100 fee waived for transactions under ₦2500 Local transactions fees are capped at ₦2000, meaning that’s the absolute maximum you’ll ever pay in fees per transaction For International Transactions 3.9% + NGN 100 Get paid by your customers from all over the world International cards are charged and settled in Naira by default, but you can also choose to get settled in USD.

You can create a new Paystack account by filling in a short form or connect your existing Paystack account and start accepting online payments straight away.

NB: Paystack is available in over 3 countries, Nigeria, Ghana and South Africa,

How to Open A Paystack Account

  1. Begin by following this link to provide us with your business name, email address, country, and a password for your account:
  2. You'll be redirected to another page asking for detailed information, simply provide all that is required to complete your setup.

To start accepting real money, you need to activate your business by submitting all Compliance forms on the Dashboard. You'll notice four main sections on the Compliance page. Input the following details.

  1.  Trading name: This is the official trading name of your business. It is the name displayed on your checkout page as well as receipts sent to customers.   
  2. Staff size: This is the number of staff or employees of the business.
  3. Industry: This is the industry your business belongs to. If you're not sure of the suitable industry to select, please click on the Help link for more information.
  4. Category: This is the category your business belongs to, depending on the industry you previously selected. If you're not sure of the suitable category to select, please click on the Help link for more information. Business type: This is where you signify that your business is a Starter business on Paystack.
  5. Business Email: Enter your organization's general contact email address. Transaction notifications go to this email if they are turned on for your business.
  6. Support Email: Enter the email address where you'll receive customer support requests and complaints.
  7. Disputes Email: When banks dispute a charge, those alerts will be sent to this email address. You have to respond to transaction disputes before they expire, so make sure that this inbox is checked often by a decision-maker at your organization. 
  8. Phone Number: Enter the phone number of your organisation.
  9. Website Link: Enter the link to your business' website. You can also include the links to your social media pages.
  10. Twitter: Enter the link to your business' Twitter page.
  11. Facebook: Enter the link to your business' Facebook page.
  12. Instagram: Enter the link to your business' Instagram page.
  13. Office Address: Enter your current office address.
  14. Registered Address: The official address of your business as shown in your registration documents When you have completed all fields, click on the Save button to update your changesOnce your account is activated, you’re set to start receiving payments! 

5. Go to Settings and click “API keys” under the DEVELOPERS tab copy it to clipboard so you can connect it to your kitcart Website

How To Set up Paystack On Your KitCart Store

  1. Go to Payments > Automated Payments
  2. Install Paystack
  3. Enter your Display Name, Public Key and Secret Key
  4. Choose currency and Purpose
  5. Enable and save



Flutterwave allows you to accept payments across 30 locations on your Kitcart website via the following payment methods:

  • Card Payments
  • Bank Transfer Payments
  • Mobile Wallet Payments
  • USSD payments

Flutterwave charges 1.4% for Local Transactions and for International Transactions 3.8%.

How to Open A Flutterwave Account

  1. Visit the homepage and navigate to SIGN UP to enter your details 
  2. After submitting your personal details, you will receive a verification email. Click the link in your email to enable you pick the account category that best suits your business type. Select your account category, and click on Continue to Dashboard
  3. You will now be directed to your dashboard homepage to finish your registration. Complete your bank account, business information and documentation details in order to start accepting payments.

  4. Once your account is activated, you’re set to start receiving payments! 
  5. Go to Settings and click “API keys” under the DEVELOPERS tab copy it to clipboard so you can connect it to your kitcart Website

How To Set up Flutterwave On Your KitCart Store

  1. Go to Payments > Automated Payments
  2. Install Flutterwave
  3. Enter your Display Name, Public Key and Secret Key
  4. Choose currency and the purpose of what you are receiving payment
  5. Enable and save



PayPal is a payment system that allows payments through credit cards, PayPal balances, or buyer credit (payments over time).

To accept payments with PayPal on your website, you need a Business PayPal account. Most functions and tools provided by PayPal for business owners are only available to business accounts.

How To Set up Paypal On Your KitCart Store

  1. From your kitcart admin, go to the Automated payment page
  2. Enter your Display Name, currency, Client ID and ClientSecret
  3. Choose currency and Purpose
  4. Enable and save

Allow customers pay without a PayPal account

Your customers can pay you with a credit or debit card without a PayPal account login. The guest checkout option is available to the merchants with a verified Business account with PayPal.

To offer guest checkout through PayPal:

  • Log into your business PayPal account.
  • Proceed to Profile → Selling Preferences → Website Payment Preferences.
  • Select Yes for the PayPal Account Optional setting.

Now, after clicking the PayPal Checkout button, customers can choose to pay by debit or credit card and PayPal will process their payments.


Why does a paid order have an “Awaiting Payment” status on my Kitcart dashboard?

A Paid status in your Kitcart admin shows the payment has been received into your PayPal account, while an Awaiting Payment status shows the funds in limbo.

Generally, PayPal orders may have Awaiting Payment status in Kitcart for several reasons:

  • An eCheck that has not been cleared is the most frequent cause of a pending payment. This often resolves itself when the eCheck clears (usually 3–5 days).
  • The customer did not provide a confirmed shipping address and your Payment Receiving Preferences require you to manually accept or deny these payments. To change this preference, go to the Preferences section of your Profile in PayPal.
  • The payment is pending because you hold a non-U.S. account and do not have a withdrawal mechanism. You must manually accept or deny this payment from Account Overview in your PayPal account.
  • You do not have a balance in the currency sent, and you do not have your Payment Receiving Preferences set to automatically convert and accept such payments. You must manually accept or deny this payment.
  • The payment is pending while PayPal reviews it for risk.
  • The payment is pending because you must upgrade your account with PayPal. The Business or Premier plans allow you to accept credit cards and increase the monthly limit for transactions on your account.
  • The payment is pending because you have not been verified yet. After verifying your account with PayPal, you will be able to accept this payment.

You can check the specific reason from PayPal in the order details in your Kitcart admin, Orders → All orders.


Stripe allows you to accept credit and debit card payments, set up recurring subscriptions, and use the Buy Now Pay Later business model with Afterpay and Klarna. Stripe also supports Apple and GooglePay, so customers can checkout with one tap in your store. In addition, you can add various payment options popular in the EU to your website, such as Giropay, SEPA, iDEAL, Sofort, Klarna, and Alipay.

Stripe charges a 2.9% fee for a transaction. You can create a new Stripe account by filling in a short form or connect your existing Stripe account and start accepting online payments straight away.

Stripe is available in over 47 countries including the USA, Canada, UK, Australia, Japan, and others.


Setting up Stripe

Before setting up Stripe, check the list of restricted businesses to ensure that your business is not on this list and you are allowed to use Stripe to process payments in your store.

  1. To get started with Stripe you will first need to set up a free account. Click here to create your Stripe account.
  2. Then proceed to activate your account, at this stage, you need to give account of your business detail by stating the full address and state where you formed the business 

    Also, you’ll need to specify the structure of the business. Specify if it’s:

    • Individual
    • Company
    • Or Non-Profit Organization 

      After that, click the “Continue” button to proceed.

  3. This is where you enter your personal details like email address, date of birth and your house address.

    At this point, you’ll be asked to enter the “Last 4 digits of Social Security number” 

  4. This stage is simply about your business, tell them about the nature of your business. If it’s going to be digital products or retails.

    Once you’ve chosen the right one, enter your website URL and give a short description of what the product is all about.

    After that, click continue and proceed to the next stage.


    Here, you’ll need to specify if your product is going to be a digital product or a physical. If it’s a digital product, you’ll need to choose how long it’s going to take you to deliver the product.

    And if it’s a physical product, you’ll need to specify how you’re going to ship the product. Usually, what you should choose is “Product are delivered by third party (Fulfilment House)”

    Then choose “One Month” as how long it’s going to take for your product to be delivered. After that, click the continue button to proceed to the next stage.

  6. The next stage is the “Customer Support Detail”. This is simply where you’re going to write your statement descriptor.

    That’s the name that will appear on your customer receipt after a successful payment to you.

    After that, enter your customer support phone number and your customer support address. This can actually be your phone number and the same initial address you’ve used earlier.

  7. This is the stage where you’re going to enter your bank details. That is, where Stripe is going to send your money too.

    As you can see from the image, scroll down and click on “Enter bank details manually instead”

    After that, it going to pop up a small page as you can see from the image below. So, on this page, enter your routing number and account number.

  8. The next thing you want to do is click save and continue.

  9. After this, access a Stripe account’s API keys by navigating to the Developers section of the Stripe dashboard and clicking on API Keys.


How To Set up Stripe On Your KitCart Website

  1. Install Stripe
  2. Sign in to your Stripe account if you already have one or click on the get started with the stripe button.
  3. Follow the instructions on the Stripe site to complete the setup. After that, go back to your Kitcart admin.
  4. Now enter your Display Name, Stripe Key and Stripe Secret
  5. Choose currency and Purpose
  6. Enable and Save

Once completed, your Stripe account will be connected to your Kitcart Website and customers will be able to pay with Stripe.


Stripe is not available in my country. What should I do?

As of this writing, Stripe is only available for businesses in 47 countries. What happens to the 148 others? This is why Kitpay has partnered with Stripe to help businesses in non-supported countries accept payment with stripe.

With Kitpay experience the joy of zero activation delays. All you need to do is enter your bank account details and you are all set. Check this article to get the full details.

When will I receive my payouts?

With Stripe, you receive payouts according to your payout schedule. Typically the first payout for a new account happens with a 7-day delay (after the first successful payment), though the waiting period may vary. Read more about payouts on Stripe’s website.

Where do I find information on my transactions and transfers?

When a customer pays for an order using Stripe, the money goes to your Stripe account. You can see the transaction ID in the order details in your Kitcart admin, Dashboard → Orders. You can also view more details in your Stripe account.

I have an issue with my transactions. What should I do?

If you experience any issues with receiving money, please contact Stripe support.



Leave a Comment