# Accept Payments Online With Stripe, PayPal and Paystack

> Connect your own Stripe, PayPal or Paystack account once and use it for everything you sell on Vonza. On a checkout, buyers can pay by card, Apple Pay, Google Pay, PayPal or Klarna, and you choose which methods each one shows.

## How accepting payments works on Vonza

To accept payments online you need a payment provider: the company that takes the money from the buyer’s card or account and pays it out to you. Vonza does not replace it. You connect your own provider account, and Vonza builds the checkout, works out the price and records the sale.

Vonza works with three providers. Stripe is connected through Stripe Connect, so one-time payments are charged on your own Stripe account. PayPal payments go to your PayPal account. Paystack is for sellers who sell in Nigerian naira.

You connect them once, in Settings › Payment integrations, and every checkout, course, form and invoice on your account can then take payments.

| Provider | Who it is for | What buyers pay with | Payment types |
| --- | --- | --- | --- |
| Stripe | Sellers in the countries where Vonza can connect Stripe | Card, Apple Pay, Google Pay, Klarna | One-time, recurring and instalments by card; Klarna for one-off payments |
| PayPal | Sellers outside the Paystack region | PayPal account | One-time payments only |
| Paystack | Sellers who sell in Nigerian naira | Card, in Paystack’s popup | One-time, recurring and instalments |

[How Vonza checkout pages work](https://vonza.com/checkout)

## Ways your buyers can pay

Each method is shown only where your account and the buyer’s device support it.

- **Card (Through Stripe)**: Debit and credit cards, charged on your connected Stripe account. Cards also take recurring and instalment payments.
- **Apple Pay and Google Pay (Through Stripe)**: Shown on supported devices when the wallet is turned on in your Stripe account.
- **Klarna (Through Stripe)**: Pay later for one-off payments, where Stripe offers Klarna for your account and the buyer.
- **PayPal (Your PayPal account)**: Buyers pay with their PayPal account, and the money goes to yours. For one-time payments.
- **Paystack (For naira sellers)**: If you sell in Nigerian naira, buyers pay by card in Paystack’s popup, and you are paid out to the bank account you link.

## Choose the methods for each checkout

Every checkout has its own Payment methods step, with one switch per method. New checkouts start with every method on.

- Turn a method off for one checkout and leave it on for the rest.
- A method your account cannot take yet stays visible, greyed, with the reason: “Stripe not connected”, “Not enabled on the Stripe account” or “PayPal not connected”.
- Keep at least one method on. The designer warns you before buyers are left with no way to pay.
- Ask for a billing address, or just the email. Email is always required.

## One payment setup for everything you sell

Connect a provider once and it is used wherever Vonza takes payment.

- **Checkout pages**: A payment page for a course, product, membership, bundle, community or a service you deliver. [Checkouts](https://vonza.com/checkout)
- **Courses**: One-time, recurring, instalment and pay what you want prices on each course. [Course pricing](https://vonza.com/course-pricing-options)
- **Communities**: Charge to join, once or on a subscription. [Paid communities](https://vonza.com/paid-community-platform)
- **Memberships**: Sell membership tiers and charge members on a schedule. [Membership sites](https://vonza.com/membership-sites)
- **Forms**: Take a payment when someone submits a form, with add-ons and coupons. [Forms](https://vonza.com/forms)
- **Invoices**: Send an invoice your client pays online from its own page. [Invoices](https://vonza.com/invoice)
- **Funnels**: A funnel’s checkout step, its order bumps and its upsell steps. [Sales funnels](https://vonza.com/sales-funnel)
- **Store**: Digital and physical products from your Vonza store. [Online store](https://vonza.com/store)

## Payment plans and subscriptions

A Vonza checkout can hold up to 6 prices, so buyers can choose to pay in full or spread the cost. Instalment plans run from 1 to 120 payments.

Later payments are taken from a card kept on file, so recurring and instalment prices need a card or Paystack. PayPal and Klarna are for payments made once.

| Price type | What the buyer pays | Methods |
| --- | --- | --- |
| One-time payment | One price, paid once | Any method on the checkout |
| Pay what you want | An amount the buyer types, with an optional minimum and maximum | Any method on the checkout |
| Recurring | The same amount every week, month or year | Card or Paystack |
| Instalments | A first payment today, then the rest over time | Card or Paystack |
| Free | Nothing; buyers just sign up | No payment needed |

[Payment plans for courses](https://vonza.com/course-pricing-options)

[Prices on checkout pages](https://vonza.com/checkout)

## How to start accepting payments

Three steps, most of them done once.

1. **Connect a provider**: Open Settings › Payment integrations and connect Stripe or PayPal. If you sell in naira, set up Paystack and link the bank account you get paid into.
2. **Pick your payout schedule**: Choose Daily (every business day), Weekly (every Monday) or Monthly (on the 1st) on the Stripe or Paystack page.
3. **Switch methods on and publish**: Open a checkout, choose its payment methods and publish. Until a provider is connected, the checklist shows “Connect Stripe or PayPal to get paid”.

## What to know before you start

The limits of payments on Vonza today, so nothing surprises you or your buyers.

- **One currency per account**: Your prices and checkouts use the currency set in Settings › General. Buyers pay in that currency; there is no currency choice per checkout.
- **PayPal is for one-time payments**: Subscriptions and instalment plans need a card or Paystack. PayPal is not offered to sellers in the Paystack region.
- **Klarna is for one-off payments**: It appears only where Stripe offers it for your account and the buyer, and never on recurring or instalment prices.
- **Wallets depend on the device**: Apple Pay and Google Pay show only on devices that support them, and only when they are on in your Stripe account.
- **Paystack is for naira**: Paystack is offered to sellers whose account currency is Nigerian naira, and Paystack payouts are made in naira.
- **Payouts are not instant**: They follow the daily, weekly or monthly schedule you pick, and they can be paused.
- **Affiliate commission on Stripe sales**: Affiliate referrals are credited automatically on Stripe sales. PayPal and Paystack sales pay no affiliate commission.

## Questions about accepting payments

### How do I accept payments online with Vonza?

Connect your own Stripe, PayPal or Paystack account in Settings › Payment integrations. Your checkouts, courses, communities, memberships, forms, invoices, funnels and store can then take payments, and you choose which methods each checkout shows.

### Which payment gateways does Vonza support?

Stripe (through Stripe Connect), PayPal and Paystack. Stripe takes card, Apple Pay, Google Pay and Klarna payments; PayPal takes payments from a PayPal account; Paystack takes card payments for sellers who sell in Nigerian naira.

### Can my buyers pay with Apple Pay or Google Pay?

Yes, through Stripe. The wallets are shown on devices that support them, when they are turned on in your Stripe account and switched on for the checkout.

### Can buyers pay later with Klarna?

Yes, for one-off payments, through Stripe, where Stripe offers Klarna for your account and the buyer. Klarna is not offered on recurring or instalment prices.

### Can I take subscriptions or payment plans through PayPal?

No. PayPal on Vonza is for one-time payments. Recurring and instalment prices need a card through Stripe, or Paystack if you sell in naira.

### Can I accept payments in Nigeria?

Yes. If your account currency is Nigerian naira, set up Paystack in Settings, link the bank account you get paid into and complete verification. Buyers pay by card in Paystack’s popup, and payouts are made in naira.

### Can I sell in more than one currency?

No. Each Vonza account has one currency, set in Settings › General, and every price and checkout uses it.

### When do I get paid?

On the payout schedule you pick for Stripe or Paystack: daily, weekly or monthly. PayPal payments go to your PayPal account. Payouts are not instant.

### Can I turn a payment method off for one checkout?

Yes. Each checkout has its own switches for card, Apple Pay, Google Pay, Klarna, PayPal and Paystack, so you can turn a method off on one page and keep it on elsewhere.

### How do refunds work?

Refund a sale from the customer’s profile in Vonza. The refund is made at the payment provider first, and only then recorded in Vonza.