How to enable online payments
Who doesn’t want to get paid at the click of a button? With stub, your customers can settle invoices online using their card or SnapScan, and your books update automatically.
When online payments make sense
Tired of chasing EFTs? Online payments reduce late payments because customers can pay instantly.
Selling to individuals? People are used to “tap and go”, why make them log in to online banking?
Need cleaner records? Payments are matched automatically to the right invoice.
Worried about fake POPs? Payments go through secure gateways, not dodgy PDFs.
Online payments = faster cash flow for you, less friction for your customers.
How it works in stub
When you enable online payments:
- Customers see a Pay Now button on their invoices.
- They can pay using a credit or debit card, or SnapScan.
- Payments reflect in your bank account within 3 business days.
- stub automatically marks the invoice as Paid, matching the transaction for you.
How to enable online payments
- Go to Settings → Online Payments in the left menu.
- Click Get started.
- Choose the bank account where you want payments to land (you’ll need a South African account in good standing).
- Review the transaction fees:
- South African cards: 3.5% + R2.00 + VAT per transaction
- International cards: 3.7% + R2.00 + VAT per transaction
5. Tick I understand and agree to the transaction fees, then click Activate payments.
6. Once you see the confirmation message “You’re all set”, online payments will be enabled for your stub account.
Different ways you can get paid online
Once online payments are set up, you can choose how customers pay you:
Bank account
Select or update the bank account where payouts should land.
Pay Now button on invoices
Turn this on to display a “Pay Now” button on every invoice you send. Customers can settle up in seconds using card or SnapScan.
Payment links
Create a shareable payment page, like stub.africa/@yourhandle, so customers can pay even without an invoice. Perfect for quick jobs or one-off sales.
You’ll set a unique @handle (letters, numbers, dashes, or underscores only) the first time you enable this.
Branding
Add your business logo and name to make your payment page look professional and on-brand.
💡 Tip: Online payments currently support South African Rands (ZAR) only.
Tips for using online payments
- Set expectations: Tell your customers they can pay straight from the invoice, many don’t know it’s possible.
- Cover your bases: Some banks charge extra for international card payments, so plan accordingly.
- Test it: Send yourself a small invoice to see exactly what your customer experiences.
- Stay secure: stub’s payments are powered by trusted gateways, so you never handle card details directly.
Bottom line: Enabling online payments isn’t just convenient, it speeds up your cash flow, keeps your records clean, and gives your customers the easiest way possible to pay you.