Payments

Take money the way your customers pay.

19 payment integrations are built and tested today, covering cards, instant EFT, USSD, mobile money and cash. The money goes to the operator's own accounts. Skynat Go never holds order money.

Ready to switch on

Payment methods available today.

An operator switches on the gateways that work in their country and connects their own merchant account to each one. Checkout only offers what is set up for the customer's country.

South Africa

Ozow

Bank and instant EFT

Payfast

Cards · Bank and instant EFT

Yoco

Cards

iKhokha

Cards · Bank and instant EFT

Across Africa

Paystack

Cards · Bank and instant EFT · USSD · Mobile money — Nigeria, Ghana, South Africa, Kenya, Côte d'Ivoire, Egypt

Flutterwave

Cards · Bank and instant EFT · Mobile money · USSD — Nigeria, Ghana, Kenya, Uganda, Tanzania, Rwanda, Zambia, Malawi, South Africa, Côte d'Ivoire, Senegal, Cameroon, Egypt, Morocco

Stripe

Cards — South Africa, Nigeria, Egypt, Morocco, Kenya, Ghana

PayPal

Cards — South Africa, Egypt, Morocco, Kenya, Nigeria

PayTabs

Cards — Egypt, Morocco, Algeria

Paymob

Cards · Mobile money

pawaPay

Mobile money — Benin, Burkina Faso, Cameroon, Côte d'Ivoire, DR Congo, Ethiopia, Gabon, Ghana, Kenya, Lesotho, Malawi, Mozambique, Nigeria, Congo-Brazzaville, Rwanda, Senegal, Sierra Leone, Tanzania, Uganda, Zambia, Zimbabwe

International

Razorpay

Cards

LiqPay

Cards

Mercado Pago

Cards

SSLCommerz

Cards

senangPay

Cards

Paytm

Cards

bKash

Mobile money

Mobile money in 21 countries

Through pawaPay, one integration reaches about fifty mobile money wallets. A waiting screen follows the payment until the customer approves it on their phone.

Benin, Burkina Faso, Cameroon, Congo-Brazzaville, Côte d'Ivoire, DR Congo, Ethiopia, Gabon, Ghana, Kenya, Lesotho, Malawi, Mozambique, Nigeria, Rwanda, Senegal, Sierra Leone, Tanzania, Uganda, Zambia, Zimbabwe

Cash, wallets and company accounts

Cash on delivery everywhere, with a limit on how much cash each rider may carry. Customer wallets with top-ups and refunds. Company accounts that pay for staff orders from a prepaid balance or a monthly invoice, under spending rules the company sets.

77 gateways across Africa are mapped in the platform. Those not yet integrated are listed on each country's launch checklist, so we know exactly what a new market needs before it opens.

Where the money goes

Who holds what, for every order.

Money	Who receives it	How
The customer's payment	The operator	Paid straight into the operator's own gateway account in that territory. If an operator hasn't connected a gateway, checkout refuses it rather than sending money to the wrong party.
The store's earnings	The store	Kept in the store's wallet in the app and paid out by the operator, on schedule or instantly for a fee. Instant payouts go by Paystack Transfers or bank EFT.
The rider's earnings and tips	The rider	Shown before each job is accepted, kept in the rider's wallet and paid out the same way. Tips go to the rider in full.
The platform fee	Skynat	One flat fee per order from the operator's prepaid credit, cash orders included. Refunded to credit if the order is cancelled.
Card numbers	No one on the platform	Card details are entered on the payment provider's own page. They never reach Skynat Go's servers.

Paperwork

Tax invoices and statements, done for you.

VAT tax invoices issued on delivery, numbered in sequence. The store invoices the goods and the platform invoices its fees; tips stay off the invoice.
Full tax invoices for large orders or when a customer gives a VAT number, abridged invoices below that.
Refunds raise credit notes at the original rate.
Earnings statements for riders and stores, and fee statements for operators.

A South African business owner at her desk

Your gateway isn't listed?

Tell us in your application. New gateways are added country by country.

Become an operator