Which payment methods does IVOTIA support?

Before you start

IVOTIA does not show the same payment options for every checkout. The method list depends on the currency, the order type, and, in some cases, the buyer information available during payment.

For product and service checkout, IVOTIA currently presents a shared payment picker that can show card payment through Paystack, M-PESA, Pesapal Wallet, or direct bank transfer.

Payment methods currently supported in checkout

1. 1
   Debit / Credit Card through Paystack.
2. 2
   M-PESA for supported Kenyan phone numbers.
3. 3
   Pesapal Wallet when the checkout currency is supported.
4. 4
   Direct Bank Transfer with manual transfer instructions and later confirmation.

When each method appears

IVOTIA uses availability rules inside checkout rather than showing every gateway all the time.

1. 1
   Paystack is currently available only when the checkout currency matches the configured Paystack currency. In the current setup, that is typically ZAR.
2. 2
   Pesapal Wallet is available only when the selected currency is KES, UGX, or TZS.
3. 3
   M-PESA is available from the checkout method list, but it requires a valid Kenyan M-PESA number when you continue.
4. 4
   Direct Bank Transfer can still be offered even when the instant gateways are not a fit.

Using M-PESA

If you choose M-PESA, IVOTIA sends an STK push to the phone number you enter. The phone number must be in a supported Kenyan format.

After the prompt is sent, IVOTIA waits for payment confirmation before finishing the order.

1. 1
   Use a Kenyan number such as 07XXXXXXXX, 01XXXXXXXX, or the matching +254 format.
2. 2
   Enter your M-PESA PIN on your phone when the prompt arrives.
3. 3
   If the payment is cancelled or times out, you can return to checkout and try again.

Using card payment through Paystack

When Paystack is available, IVOTIA can show Paystack card payment and, in some setups, an EFT-style bank rail option inside the Paystack flow.

The final payable amount can include gateway fees, so the amount you see in the Paystack step may differ from the base order amount shown earlier in checkout.

Using Pesapal Wallet

When the selected currency is supported, IVOTIA can redirect you to Pesapal to complete the payment and then return you to the IVOTIA callback page for verification.

If Pesapal reports a pending, failed, or reversed result, IVOTIA will not treat the checkout as fully paid until the gateway confirms it.

Using direct bank transfer

If you choose bank transfer, IVOTIA provides bank details plus a unique payment reference. You must complete the transfer outside IVOTIA and include the reference exactly as shown.

Bank transfers are not confirmed instantly. The current flow says confirmation usually takes 1 to 2 business days after the transfer is checked.

Why you may not see the method you expected

1. 1
   The selected currency may not be supported by that gateway.
2. 2
   Your profile or checkout details may be incomplete.
3. 3
   The gateway may require data that does not match your current checkout, such as a valid Kenyan M-PESA phone number.
4. 4
   A temporary gateway or initialization error may have occurred.

Important things to know

1. 1
   Payment options can differ between checkouts even on the same account.
2. 2
   Shipping, currency, and gateway fees can affect the final amount shown during payment.
3. 3
   If a payment method fails, return to the payment picker and choose another supported method if one is available.
4. 4
   If a charge completed but the order page did not update, keep the reference or receipt and contact support with the order details.