Setting Up Payment Processing

AskBiz automatically selects the right payment provider based on your country. African countries (Kenya, Nigeria, Ghana, Uganda, Tanzania, Rwanda, South Africa) use Paystack — supporting M-Pesa, mobile money, and local cards. International countries (UK, US, EU, Australia, Canada, Singapore, Japan, and more) use Stripe — supporting Apple Pay, Google Pay, and international cards. You configure once in POS > Payments and the system handles routing.

Go to POS > Payments and click Set Up Payments. Select your country. Enter your business name and email. For settlement, choose how you want to receive funds: M-Pesa (enter your phone number — available in Kenya, Uganda, Tanzania, Rwanda) or Bank Account (select your bank from the dropdown and enter your account number). The system fetches available banks from Paystack automatically. Click Submit and your payment processing is live within minutes.

M-Pesa settlement sends funds directly to your M-Pesa wallet — instant and convenient for small businesses. Bank settlement deposits to your bank account — better for businesses that need formal records or process high volumes. In Kenya, you can also settle to a Paybill or Till number. The system shows the correct options based on your country — countries without M-Pesa only see bank settlement options.

For international countries, select your country and enter your business details. Click Submit and you will be redirected to Stripe's onboarding flow to complete KYC verification — this includes identity verification, bank account details, and business documentation. Once complete, you can accept Apple Pay, Google Pay, and international cards. Stripe onboarding typically takes 10-15 minutes.

After setup, return to POS > Payments. You will see a status card showing your active provider, country, and whether onboarding is complete. For Stripe, a pending KYC badge appears until you finish the Stripe onboarding flow. For Paystack, the setup is instant and your status shows Active immediately. Test with a small transaction to confirm everything works.