The easier it is to pay you, the faster you get paid. A payment link is simply a web page where your customer pays you by card, on the spot — no typing out banking details, no waiting on proof-of-payment screenshots. Switch on online payments once and every invoice can carry a Pay Now button — and your business gets its own standing payment link for quick jobs and social-media sales, no invoice needed. The money lands in the bank account you choose.
Turn on online payments
Head to Settings → Online Payments and click Get started — the setup walks you through it. The one real decision is the bank account your payouts land in; then accept the fees and activate. Online payments are available on every plan.
stub may also email you to verify your identity — a standard FICA check — and you'll need to complete it before you can receive payments.
What it costs
The fee comes off each payment your customer makes, and the rate depends on the plan this business is on:
| Plan | South African cards | International cards |
|---|---|---|
| Sneaky Side Hustle | 4.5% + R 2 | 4.7% + R 2 |
| Steady Startup | 3.5% + R 2 | 3.7% + R 2 |
| Growing Business | 3.0% + R 2 | 3.2% + R 2 |
| Established Entrepreneur | 3.0% + R 2 | 3.2% + R 2 |
You see your own rates twice: in the setup flow, at the step where you accept the fees, and afterwards on your plan card at Settings → Billing — those rows only appear once online payments are on.
Online payments are processed in South African Rand. If you take a lot of card payments, moving up a plan can pay for itself: the rate drops at Steady Startup, and again at Growing Business.
Add a Pay Now button to an invoice
On the invoice, turn on Online payments in the Options panel on the left — like every option there, it's off until you switch it on.
Everyone who opens that invoice — by email or by link — sees a Pay Now button. It pairs naturally with Create and send an invoice: send the invoice, and the payment route travels with it.
Claim your payment link
Take payment for a quick job or a social-media sale without drafting an invoice at all.
Head to Settings → Online Payments and claim your handle — your link becomes stub.africa/@yourhandle. Share it on WhatsApp, in an email, in your bio, anywhere. Anyone who opens it can enter an amount and a reference and pay you on the spot. You can also sell specific products through the link — set those up under Products & Services.
Note: The open link is for small amounts — payments through it are capped (R250 by default; the exact limit shows on the settings page). For anything bigger, send an invoice or a product payment link.
If payments get locked
If stub spots high-risk transactions on your account, online payments are switched off and you will see a warning on Settings → Online Payments and on your Insights dashboard. Get in touch with support to sort it out.
Pro tips
- Point it out. Add a line to your invoice message telling customers about the Pay Now button — plenty of people default to a manual EFT out of habit.
- Test it. Send yourself a small invoice and pay it, so you know exactly what your customers see.
- You never touch card details. Payments run through a PCI-compliant gateway.