Payment Channels

Payment channels allow you to connect with different payment providers through a single interface, giving your customers more payment options.

Supported Payment Providers

Kipay currently supports the following payment providers:

Setting Up Payment Channels

1. First, sign up with your preferred payment provider(s) and obtain API keys
2. In the Kipay admin dashboard, go to Payment Channels
3. Click Add New Channel
4. Fill in the required information for your chosen provider
5. Save the channel

Paystack Configuration

To set up a Paystack payment channel, you'll need the following information:

You can find your Paystack API keys in the Paystack Dashboard under Settings > API Keys & Webhooks.

Flutterwave Configuration

To set up a Flutterwave payment channel, you'll need:

You can find your Flutterwave API keys in the Flutterwave Dashboard under Settings > API.

M-Pesa Configuration

To set up an M-Pesa payment channel, you'll need the following information:

You can obtain these credentials from the Safaricom Developer Portal after registering your application.

Stripe Configuration

To set up a Stripe payment channel, you'll need:

You can find your Stripe API keys in the Stripe Dashboard under Developers > API keys.

Managing Payment Channels

Setting a Default Channel

You can set one payment channel as the default, which will be used when no specific channel is selected for a transaction:

1. Go to Payment Channels in the admin dashboard
2. Find the channel you want to set as default
3. Click the Set as Default button

Activating/Deactivating Channels

You can activate or deactivate payment channels as needed:

1. Go to Payment Channels in the admin dashboard
2. Find the channel you want to activate/deactivate
3. Toggle the Active switch
4. Save your changes

Deleting Channels

You can delete a payment channel if it's no longer needed:

1. Go to Payment Channels in the admin dashboard
2. Find the channel you want to delete
3. Click the Delete button
4. Confirm the deletion

Fee Configuration

You can configure transaction fees for each payment channel:

Fee Types

• Fixed Fee: A fixed amount charged per transaction
• Percentage Fee: A percentage of the transaction amount
• Fee Cap: The maximum fee that can be charged for a transaction

You can configure who pays the fees:

• Customer pays fees: Fees are added to the customer's total
• Merchant pays fees: Fees are deducted from the received amount

Using Payment Channels in the API

When initializing a transaction via the API, you can specify which payment channel to use:

{
  "amount": 10000,
  "email": "[email protected]",
  "payment_channel_id": 1,  // Specify the channel ID here
  "description": "Payment for Order #12345",
  "currency": "KSH"
}

If you don't specify a payment channel, the default channel will be used.

Channel-Specific Features

Paystack

• Card Payments: Accept payments via credit/debit cards
• Bank Transfers: Receive payments via bank transfers
• USSD: Accept payments via USSD
• QR Codes: Generate QR codes for payments
• Recurring Billing: Set up subscription payments

Flutterwave

• Card Payments: Accept payments via credit/debit cards
• Mobile Money: Accept payments via mobile money services
• Bank Transfers: Receive payments via bank transfers
• USSD: Accept payments via USSD
• Mpesa: Accept payments via Mpesa

M-Pesa

• STK Push: Initiate payment requests directly to customer's mobile phone
• C2B Payments: Accept customer-to-business payments via mobile money
• Transaction Validation: Validate and confirm incoming payments
• Sandbox Testing: Test integration in a safe development environment

Stripe

• Card Payments: Accept payments via credit/debit cards
• Bank Transfers: Receive payments via bank transfers
• Wallets: Accept payments via Apple Pay, Google Pay, etc.
• Recurring Billing: Set up subscription payments

Best Practices

• Use Multiple Channels: Set up multiple payment channels to provide more options to your customers
• Test Thoroughly: Always test your payment channels in test mode before going live
• Monitor Transactions: Regularly check your transaction logs to ensure everything is working correctly
• Keep API Keys Secure: Never share your API keys or include them in client-side code
• Set Up Webhooks: Configure webhooks to receive real-time updates about transaction statuses