Take online payments and get paid out

Who collects your customers' payments and pays you out, what you need before customers can pay online, the fees, when money reaches your bank in each country, and refunds.

Payment collection and payouts are handled entirely by Ordina's payment partners. When a customer pays online, they pay the payment partner, and the partner pays your share into your bank account. Ordina connects your business to the partner, shows you every payment and payout, and decides when customers are offered online payment. Ordina itself never holds your customers' money or sends it on.

The customer pays the partnerThrough the secure payment link in the chat or on your page.
The partner confirms itThe booking is confirmed or the order placed, and both of you are told.
The partner pays youYour share goes to your bank account, on the partner's schedule.

Who collects your payments and pays you out

Your payment partner is set by the country your business signed up in, so there is nothing to choose. Payouts always go to a bank account in your business's own country.

Where your business is	Payment partner	Your customers pay in	You are paid in
Nigeria	Flutterwave, and Bachs for faster payouts once it is set up	Naira	Naira
Ghana, Kenya, Uganda, Tanzania, Rwanda	Flutterwave	Your local currency	Your local currency
United Kingdom	Flutterwave	Pounds (GBP)	Pounds (GBP)
United States, Canada, euro area	Bachs	US dollars, by card	Your own currency (US dollars, Canadian dollars or euros)

Bachs payouts open country by country. If payouts are not available in your country yet, Payments says so instead of showing the form, and you can tell us how you would like to be paid. Customers pay in person meanwhile, and bookings work as normal.

What Ordina does not do

Ordina does not hold your customers' money. It goes from your customer to the payment partner, and from the partner to your bank.
Ordina takes no commission. Ordina's commission on your sales is 0%: you pay for Ordina through your plan, not through your sales.
Ordina does not send payouts or refunds. Payouts come from the payment partner. Refunds are sent by you (see Refunds and disputes below).

Before customers can pay online

Customers are offered online payment only while all of these are true:

Your identity is verified (Step 2 below).
A payout account is connected in your business's own country (Step 1 below).
Your plan is active or in its trial, not paused.
Your account is not suspended.
You have written your cancellation and refund policy (see Your cancellation and refund policy). Businesses that joined before 24 October 2026 have 14 days to write it.

When any of these is missing, online payment switches off by itself: customers see Pay in person for a booking, or Pay on pickup for a product, and bookings and orders still work. It switches back on as soon as all five are true again. Your choice of Pay online on each service is kept while it is off.

Step 1: connect a payout account

Open Payments, choose Payouts, and tap Connect your payout account (in the UK, Connect your UK bank account).
Enter your bank details. The form asks for what your country's payment partner needs: usually your bank from a list and your account number, the bank's branch in some countries, and in the UK your bank's name, account number and SWIFT (BIC) code.
Where the partner can look it up (Nigeria and Ghana), Ordina shows the account holder's name so you can check it before you connect.
Tap Connect account.

The account must be in your business's own country, and it is your payout account until you change it with Change on the same card.

Step 2: verify your identity

Under Profile → Compliance, a quick check with a government ID and a short liveness selfie. It takes a couple of minutes:

Enter your name and date of birth exactly as on your ID, and your home address.
Follow the on-screen prompts for the liveness check (look up, look left, smile).
Upload a clear photo of your passport, driver's licence or national ID.
Confirm and consent.

Most checks clear in under a minute and you get an email with the result. If it cannot be completed automatically after a few tries, contact support and we finish it manually.

Step 3: choose payment methods per service

On each service or product in Store, set Pay online, Pay in person or Customer's choice. For a product, Pay in person means the customer pays at pickup or on delivery. A digital product is always Pay online.

Fees

Ordina's commission is 0%. The fees on an online payment are the payment partner's, and where they are added to the customer's total, the customer sees that total before they pay.

Payment	Processing fee	Who pays it
Naira, through Flutterwave	2%, at most NGN 2,000	Added to the customer's total
Naira, through Bachs	Bachs' processing fee, and the cost of paying the sale out to your bank	Added to the customer's total; the processing fee is its own line at checkout
Pounds, through Flutterwave	Flutterwave's international card fee: 4.8%, plus VAT on that fee	Added to the customer's total and shown at checkout, for example "£40.00 plus a £2.06 card fee"
US dollars, through Bachs	Bachs' processing fee, and the cost of converting and paying out	Added to the customer's total; the processing fee is its own line at checkout
Cedis, shillings and francs, through Flutterwave	Flutterwave's processing fee	Taken from the payment before it reaches you

Where the fees are added to the customer's total, you receive your listed price, or very close to it. In the United States, Canada and the euro area, the customer pays in US dollars: your price is converted at Bachs' rate before they pay, and they see the dollar amount first. You receive your price in your own currency, give or take any movement in the exchange rate between the payment and the payout.

Each payment on Payments shows what the customer paid, the fees and what you receive.

When the money reaches your bank

The payment partner pays you on its own schedule. Ordina does not set these times, and your bank can add its own processing time.

Where your business is	When you are paid
Nigeria	Per sale. With Bachs set up, each sale is sent to your bank as soon as Bachs makes the money available. Otherwise Flutterwave settles each sale to your bank on its own schedule, usually the next working day.
Ghana, Kenya, Uganda, Tanzania, Rwanda	Flutterwave settles your sales to your bank on its settlement schedule for your country.
United Kingdom	Payments in pounds are paid to your UK bank in weekly batches by our payment partner, Flutterwave.
United States, Canada, euro area	Card payments in US dollars become available at Bachs after about 2 days. They are then paid to your bank, converted to your own currency.

In the UK, a payment that is waiting for its weekly batch shows Weekly payout on Payments, and the card at the top reads Waiting for weekly payout. Nothing is wrong: it is paid with the next batch.

Where to see your payments and payouts

Payments lists every payment from a customer, with its fee, what you receive and its status, such as On its way, In your bank, Paid in person or Refunded (in the UK, Weekly payout until it is paid).
Payouts, on the same page, lists each payout to your bank with its date, its amount and the payments it carried, so you can match it to your bank statement.
The card at the top of Payments shows how much is on its way to your bank.

See Payments, payouts and the financial report for reading the page and downloading a report.

Refunds and disputes

Ordina does not send refunds. To refund a customer, send the money back yourself, from your bank or payment app. Then open the payment in Payments and choose Record refund, with the reason, so your revenue and reports stay right. Recording a refund does not move any money.
A payment that fails is not taken. The booking is not confirmed, and the Secretary tells the customer.
Card disputes and chargebacks are handled by the payment partner with the customer's bank. If a customer disputes a payment, or you need help with a refund you cannot send yourself, write to help@useordina.com with the payment ID, and we take it up with the payment partner for you.

Business verification (the badge) is separate

Identity verification is about payouts. The verified badge on your page is a separate, optional review under Store → Profile → Business verification. See Get the verified badge.