Choosing your setup.
WHAT TO ESTABLISH FIRST
Who your customers are, and what they actually use Your average transaction value Your volume Whether payments are one-off or recurring Whether you sell internationally
WHY AVERAGE VALUE MATTERS
Fixed per-transaction charges dominate small payments; percentage rates dominate large ones.
WHAT LOW-VALUE HIGH-VOLUME BUSINESSES SHOULD PRIORITISE
Low fixed fees, and methods with minimal per-transaction cost.
WHAT HIGH-VALUE BUSINESSES SHOULD PRIORITISE
Percentage rate, and settlement timing.
WHAT TO OFFER LOCALLY, AT MINIMUM
Bank transfer, which most customers prefer Cards, for those who use them
WHY TRANSFER FIRST
It is cheaper, more familiar, and has higher completion here.
WHAT TO ADD WHERE RELEVANT
USSD
Wallet payments Payment on delivery, where the model supports it
WHAT PAYMENT ON DELIVERY COSTS
Failed deliveries, returns, and cash handling.
WHAT IT PROVIDES
Access to customers who will not pay in advance.
WHAT TO MEASURE
Completion rate per method.
WHY
The cheapest method is not cheapest if customers abandon it.
