How to accept payments online from buyers anywhere (card, transfer, mobile money and crypto)

You've found a buyer. They want your product. Then comes the hard part: getting their money to you.

For many small businesses and creators, taking payment still looks like this: send your account number, wait, receive a screenshot, open your banking app to check, then send the product by hand. It works for a few sales a week. It falls apart when you're busy, asleep, or selling to someone in another country.

This guide explains the main ways to accept payments online, what each one is good for, how to stop "send screenshot" fraud, and how to set up a checkout that takes money from buyers anywhere while you get on with your work.

The main ways buyers pay online

Different buyers prefer different methods. The more of these you accept, the fewer sales you lose at the last step.

Card payments

Debit and credit cards are the most common way to pay online around the world. They're fast and familiar, and they're the main option for buyers in places like the US, UK and Europe.

Good for: international buyers, impulse purchases, anyone used to paying online. Watch out for: fees on international cards are usually higher than local payments.

Bank transfer

In many countries, people trust a direct bank transfer more than typing their card details. In Nigeria, for example, paying by transfer is very common.

Good for: local buyers, larger amounts, people who don't use cards online. Watch out for: manual transfers to your personal account need checking by hand, and a fake screenshot is easy to make. A checkout that gives each buyer a payment to make and confirms it automatically solves this.

Mobile money

Across much of Africa, mobile money is how people pay for everything: M-Pesa, MTN MoMo, Airtel Money and others. If you sell to buyers in Ghana, Kenya, Tanzania or Uganda, offering mobile money can be the difference between a sale and a lost buyer.

Good for: buyers in mobile money countries, people without bank cards.

Crypto

Some international buyers prefer to pay in crypto, often stablecoins like USDT, especially where cards are hard to use for foreign purchases.

Good for: tech-savvy and international buyers. Watch out for: crypto refunds need the buyer's wallet address, and prices in volatile coins can swing. Stablecoins tied to the dollar avoid most of that.

The problem with "send me a screenshot"

Manual payments feel free, but they cost you in other ways:

• Fake receipts. Edited screenshots and fake bank alerts are a real problem. Checking each one takes time, and one mistake loses you the product and the money.
• Lost buyers. Every extra step (copy the number, open the bank app, take a screenshot, send it back) is a chance for the buyer to give up.
• You become the bottleneck. If you're asleep, travelling or busy, nobody gets served.
• Messy records. Matching transfers to orders at the end of the month is painful.
• No international buyers. Someone abroad usually can't send a local transfer at all.

A proper checkout confirms the payment itself and delivers the product or records the order straight away.

What a good online checkout should do

When you choose how to take payments, look for these:

1. Many payment methods in one place: card, bank transfer, mobile money, and crypto if your buyers want it.
2. The right currency for each buyer, so nobody is confused by a price in a currency they don't use.
3. Automatic confirmation, so you never check a screenshot again.
4. Instant delivery for digital products, and a clear order for physical ones.
5. Clear fees, so you know exactly what you keep from each sale.
6. A safe way to withdraw your money to your bank or wallet.
7. Records you can download for your accounts and taxes.

Selling to buyers in other countries

International buyers can multiply your income, but they have different expectations:

• Show prices in a currency they know. Most buyers outside their home country think in US dollars.
• Accept cards. It's what most of them use.
• Deliver instantly. Time zones mean they may buy while you sleep.
• Write your product page clearly in simple English.

For more on this, read how to get paid by international buyers.

How payments work on Klaasi

Klaasi has payments built in. You don't need a separate payment account, a separate website or any code. Every product, shop order, course and invoice uses the same checkout.

Buyers pay the way they're used to

Buyers pay by card, bank transfer, mobile money or crypto. Visitors in Nigeria see prices in naira, and everyone else sees US dollars. You can set a naira price, a dollar price or both. In Ghana, Kenya, Tanzania and Uganda, buyers also see a rough local amount under the dollar price, so they know what they'll pay.

Buyers don't need an account to pay. They can check out with only their email.

Payments are confirmed for you

There's no screenshot to check. When a payment arrives, Klaasi confirms it, records the order and delivers the product: courses, ebooks and files open straight away, and shop orders appear in your dashboard ready to send.

Tools that help buyers say yes

• Pay in parts (Pro and Business), so buyers can spread a bigger price over several payments.
• Pay what you want, with a minimum you set.
• Coupons, discounts with a countdown, bundles and order bumps.
• Invoices with a Pay button for custom orders and services. See the invoice generator.

You choose who pays Klaasi's fee on each product: you, your buyer, or half each. Fees for each payment method are on the pricing page.

Your wallet

Every sale goes into your Klaasi wallet. You can see what's pending from recent sales, what's available to withdraw and what's been paid out. Sales are pending for a few days before you can withdraw them, which covers payment settlement and gives time for any problem to be sorted out.

Every money movement is recorded, and you can download a wallet statement as a PDF or CSV, filtered by date and type.

Withdraw in naira, dollars or USDT

Before your first withdrawal, Klaasi verifies your identity, which is required for sending money. Then you can withdraw:

• Naira to a Nigerian bank account, with the account name checked by the bank.
• Dollars to a bank account in places such as the US, UK, Europe and Canada, or to mobile money in Ghana, Kenya and Tanzania.
• USDT (TRC-20), available to everyone.

You can also set automatic withdrawals on a weekly or monthly schedule. Withdrawal fees depend on your plan and the method, and are shown before you withdraw.

Frequently asked questions

What is the safest way to accept payments online?

Use a checkout that confirms payments automatically rather than relying on screenshots or bank alerts. It removes the risk of fake receipts and keeps a record of every sale.

Can I accept payments from other countries?

Yes. Accept cards and show prices in US dollars for international buyers. On Klaasi, buyers outside Nigeria see dollars and can pay by card, mobile money or crypto.

Do I need a website to accept payments online?

Not necessarily. A product link, a link in bio store or an invoice with a Pay button can all take payments. On Klaasi you get a shop page at klaasi.com/yourname for free.

How do I accept mobile money payments?

Use a checkout that supports mobile money networks in your buyers' countries. On Klaasi, mobile money is one of the payment options at checkout, alongside card, transfer and crypto.

How long until I can withdraw my money?

On Klaasi, new sales stay pending for a few days, then become available in your wallet to withdraw to your bank, mobile money or USDT wallet.

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Ready to stop checking screenshots? Start free on Klaasi, add your first product and let buyers pay you from anywhere.