How to accept online payments

When customers can pay online, they can complete their order immediately without waiting for you to confirm a transfer manually. You get paid faster, avoid payment disputes, and spend less time chasing payments. Online payments also let you sell to customers across Nigeria, not just people who can visit your physical location.

With Kola, your customers can pay with debit or credit cards, bank transfers from any Nigerian bank, and USSD for customers who prefer to pay without data. Offering multiple payment methods means fewer abandoned orders because customers can pay the way they prefer.

When a customer places an order through your online store or WhatsApp, Kola generates a secure payment link. The customer clicks the link, chooses their payment method, and completes the payment. You receive instant confirmation that the payment went through, so you can start processing the order immediately.

You do not need to check your bank account or ask customers to send payment receipts. Kola verifies payments automatically and notifies you as soon as a payment is confirmed. This eliminates the back-and-forth of manual payment verification and reduces the risk of processing unconfirmed orders.

See every payment, transaction, and payout in your Merchant Dashboard. Filter by date, status, or amount. Know exactly how much you have earned, how much is available to cash out, and what charges have been applied. Your payment history is always available so you can reconcile your accounts.

Transfer your available earnings to any Nigerian bank account. You can cash out manually whenever you want, or set up automatic cash-out so your money moves to your bank account on a schedule. Cash-out requests are processed to your bank account.

Kola shows you the applicable payment and service charges before you transact. There are no monthly subscriptions, no hidden fees, and no surprise deductions. You know exactly what you are paying for and how much reaches your account after each transaction.