Take payments
Connect your own gateway accounts, offer offline ways to pay, and see how money reaches your books.
Customers pay through your own gateway account, and the money goes straight there. You are the seller. Ellibo never holds your customers' money and takes no fee per order. The gateway charges its own fee, on your account with it.
The shopper is sent to the gateway's own page to pay, so card details never reach Ellibo.
The gateways
| Gateway | Where it works | What you enter |
|---|---|---|
| Stripe | Cards, Apple Pay and Google Pay in about 46 countries | Secret key, from Stripe > Developers > API keys. It starts with sk_live_ or sk_test_ |
| Razorpay | India: UPI, cards, net banking and wallets | Key Id and Key Secret, from Razorpay > Account & Settings > API Keys |
| PayPal | PayPal accounts and cards in most countries | Client ID and Secret, from PayPal Developer > Apps & Credentials |
| Mercado Pago | Argentina, Brazil, Chile, Colombia, Mexico, Peru, Uruguay | Access token, from Mercado Pago Developers > Your integrations > Credentials |
| Tap | Gulf countries: mada, KNET, cards, Apple Pay | Secret key, from the Tap dashboard > goSell > API credentials |
| Flutterwave | Africa: cards, mobile money, bank transfer | Secret key, from the Flutterwave dashboard > Settings > API keys |
| Xendit | South East Asia: Indonesia, Philippines, Malaysia, Thailand, Vietnam | Secret API key, from the Xendit dashboard > Settings > API keys |
Check that a gateway will accept your business and country before you plan around it. That is between you and the gateway.
How many gateways run at once depends on your plan: one on Free, two on Standard, and any number on Professional and Business.
Connect a gateway
- Open Settings > Payments.
- Choose the gateway and enter your keys.
- Save. Ellibo asks the gateway whether the keys work, and tells you if they don't.
Keys are stored encrypted. Whether the gateway is in test or live mode follows from the keys you entered.
Test keys are good for trying an order, but they don't count as a way to get paid when you open the store. You need a gateway in live mode, or one of the offline ways below.
Show a gateway only where it fits
For each gateway you can limit the countries, the currencies and the largest amount. A shopper only sees the gateways that fit their order.
Several stores
With more than one store, each gateway also has Use in these stores. Tick none to use it in every store. A brand can have an account of its own: use + Add another account on the gateway, name it and tick its stores. Each account counts toward your plan's number of gateways. See Several stores.
The webhook
Each gateway you connect has its own webhook address. Paste it into your gateway's webhook settings if you want payments to show faster.
You don't need it for a payment to be recorded. A payment is checked when the shopper comes back from the gateway, and every 10 minutes or so after that. A webhook only makes us ask sooner. Whatever a message says, a payment only counts once the gateway itself, asked with your key, confirms it in the right amount and currency.
Offline ways to pay
| Way | How it works |
|---|---|
| Cash on delivery | You can set the largest order for it, and allow it or not on each delivery method, with a fee. The invoice is made at shipment |
| Bank transfer | Enter your bank details for checkout. The order keeps its stock for 3 days by default, and goes ahead when you mark it paid |
| Pay on site | For orders collected from a pickup point |
| Pay on invoice | For approved business customers. See Selling to businesses |
How long stock is kept
While a shopper is at the gateway, the order keeps its stock for 60 minutes by default. If they don't pay, the order is cancelled and the stock goes back.
If the money does arrive after that, the order comes back by itself with a note to check that stock is still there.
How money reaches your books
- A paid order becomes an invoice and a payment, by itself.
- The payment lands in a clearing account named after the gateway, such as Stripe Clearing. It holds what the gateway has taken and not yet paid out. You can choose a bank account instead.
- When the gateway pays you, open Gateway payouts and record what reached your bank and the fee. The fee goes to an expense account, and the rest moves to your bank. With a second account of the same gateway, each account has its own clearing account and its own payouts.
Payouts are recorded by hand, from the gateway's own report.
If the amount doesn't match
If a gateway says it was paid but the amount or currency differs from the order, the order is not marked paid. A note goes on the order for you to check with the gateway.