Setting Up Payments

Payments are the part you want to get right. This guide covers both payment methods, exactly how fees work, and when your money lands in your account. It’s long, but money is worth reading about twice.

Choose Your Payment Method

Mafflle gives you two ways to get paid:

• Paystack Checkout - Customers pay online by card, bank transfer, Apple Pay, or USSD. Recommended for most stores.
• Pay on Delivery - Customers pay cash or by POS when they receive their order.

You can enable both at once and let customers pick on their order page. But you must have at least one enabled. If both are off, your checkout is completely disabled and nobody can place an order.

Setting Up Payments on WhatsApp (Coming Soon)

Configuring payments in chat with Titi is coming soon. For now, set up Paystack and pay on delivery in Settings → Payments as described below.

Paystack Checkout

Paystack is an online payment platform. Mafflle runs Paystack for you, so customers pay securely through Paystack’s payment popup. You don’t need your own Paystack account or sign up with Paystack to use it.

What customers can pay with

• Card payments (Visa, Mastercard, Verve)
• Bank transfer
• Apple Pay
• USSD

How to turn it on in your dashboard

1. Go to Settings → Payments in your dashboard.
2. Flip the Paystack Checkout switch on.
3. Pick your bank name from the dropdown.
4. Enter your account number. It must be exactly 10 digits.
5. Your account name fills in automatically after verification. Double-check it’s yours. This is the account your money goes to.
6. Click Save Changes.

When you save, Mafflle creates a Paystack sub-account for your store linked to that bank account. Your storefront is then ready to accept payments.

You can change the bank account later any time from the same page. The money will start going to the new account.

How much does it cost?

Two separate things happen with fees, and it’s important not to mix them up.

Mafflle charges you 0%. We do not take any part of your sales. No platform fee, no cut of each transaction. The money from a sale belongs to you, minus the payment processor’s fee below.

Paystack charges a transaction fee. Paystack charges 1.5% on every transaction, plus an extra ₦100 when the customer pays by bank transfer. Card payments, USSD, and Apple Pay are just the 1.5% with no flat fee. Paystack keeps this money; Mafflle doesn’t collect any part of it.

There are also two rules that work in your favour:

• The ₦100 fee is waived for small orders. If a transaction is under ₦2,500, the extra ₦100 flat fee doesn’t apply. The 1.5% still does.
• Fees are capped. The total fee tops out at ₦2,000 per transaction, no matter how large the order.

Here’s how it works out:

• A customer pays ₦10,000 by card. Paystack takes 1.5%, which is ₦150. You get ₦9,850.
• A customer pays ₦10,000 by bank transfer. Paystack takes 1.5% (₦150) plus ₦100, which is ₦250 total. You get ₦9,750.
• A customer pays ₦2,000 by bank transfer. It’s under ₦2,500, so the ₦100 is waived, but 1.5% (₦30) still applies. You get ₦1,970.
• A customer pays ₦500,000. 1.5% would be ₦7,500, but the fee caps at ₦2,000. You get ₦498,000.

Paystack’s pricing can change. For the current, exact rates, see Paystack’s pricing page. That page is the source of truth for fees, not this guide.

When do you get paid?

This is the part everyone asks about, so let’s be precise.

Paystack settles your money automatically to the bank account you provided, on a T+1 schedule. That means the money from a sale arrives in your bank account before 10 AM on the next working day. A sale on Monday arrives Tuesday morning. A sale on Friday arrives Monday morning (weekends and public holidays don’t count as working days).

The whole settlement is handled by Paystack, not by Mafflle. We don’t touch your money at any point. It goes from the customer, through Paystack, into your bank account.

What your customers see

After placing their order, customers land on their order page where they can choose to pay online. Clicking Pay with Card / Online opens Paystack’s secure payment popup. They pick how they want to pay, complete it, and your store verifies the payment instantly. You see the order as Paid in your dashboard. See Managing Orders for how to confirm and record payments.

Pay on Delivery

With pay on delivery, no money is collected online. The customer pays cash or by POS when the order arrives.

How to turn it on in your dashboard

1. Go to Settings → Payments.
2. Flip the Pay on Delivery switch on.
3. Click Save Changes.

That’s the whole setup. Customers will now see “Pay on Delivery” as an option on their order page.

How it works

• The customer places the order without paying.
• You deliver the order.
• You collect payment in cash or by POS.
• You then record the payment on the order in your dashboard, so your records stay accurate.

Pay on delivery vs paying the rider

These are two separate things. Pay on delivery is about who gets the product money (you, at the door, instead of online). Pay-rider zones are about who gets the delivery fare (the rider, at the door, because the fee wasn’t known at checkout).

They combine freely. A customer can pay online for products and still pay the rider separately, or pay for both products and delivery at the door. Either way the order page spells out the split so nobody thinks the rider fare is included in the total. See Shipping Configuration for setting up pay-rider zones.

The honest warning

Pay on delivery means you’re trusting that the customer will pay when the order arrives. Failed deliveries and refused orders cost you money, time, and goods. Mafflle shows this warning on the settings page for a reason.

Pay on delivery works best when you already trust your delivery network and your customers. If you’re shipping to strangers with a courier you don’t fully control, think twice. Many stores use Paystack Checkout for new customers and reserve pay on delivery for people they know.

Which One Should You Use?

Method	When to use it	Risk level
Paystack	Most stores. Instant confirmation, money hits your bank in 1 working day	Low
Pay on delivery	Established local customers you trust, or cash-based sales	Higher (failed deliveries)

Most merchants start with Paystack Checkout. If you want, add pay on delivery later for trusted repeat customers.

Money Troubleshooting

• “Checkout is completely disabled”: you have no payment method on. Turn on at least one in Settings → Payments.
• Account name won’t verify: double-check the bank and the 10-digit account number. A single wrong digit fails verification.
• Customer paid but order shows Pending: Paystack’s confirmation can lag a few minutes. Wait, then refresh. If it’s still pending after 30 minutes, record the payment manually (see Managing Orders).
• Order total has no delivery fee: the delivery zone is probably set to pay-rider. That’s deliberate — the customer settles the fare with the rider at dropoff.
• A sale’s money hasn’t arrived: settlements are T+1 on working days. A Thursday evening sale lands Friday morning; a Saturday sale lands Monday. If it’s past that and nothing arrived, check your account number was correct and contact support.

Related

• Managing Orders - Record payments and process refunds
• Getting Started - The full store setup flow