One of the biggest concerns Nigerian sellers have when setting up an online store is payments. How does the money get to me? What if a customer pays and I don't receive it? Is it safe?
These are valid questions — and this guide answers all of them clearly.
How Online Payments Work for Nigerian Online Stores
When you have an online store, customers don't need to send you money manually or wait for you to send a payment link. Instead, the payment process is built directly into your store.
Here's how it works, step by step:
- Customer visits your store and adds a product to their cart
- They proceed to checkout and enter their delivery details
- They choose to pay by card or bank transfer
- They complete the payment through a secure checkout page
- The payment is processed and confirmed
- You get notified of the order
- The money is sent to your bank account
The whole process is automated. You don't have to chase anyone for payment or manually confirm transfers — your store handles it.
What Payment Method Does Sellora Use?
Sellora uses PalmPay checkout as its payment gateway. PalmPay is one of Nigeria's fastest-growing fintech platforms with millions of active users.
When a customer checks out on your Sellora store, they pay through PalmPay's secure checkout page. The payment is processed instantly, and your earnings are settled into your linked Nigerian bank account.
Why PalmPay?
PalmPay is a solid choice for Nigerian online sellers for a few reasons:
Widely used in Nigeria — Millions of Nigerians already have PalmPay accounts or are familiar with it, which makes checkout feel easy and familiar for your customers.
Supports multiple payment methods — Customers can pay using bank transfer, card, or PalmPay wallet balance, giving them flexibility.
Fast and reliable — Payments process quickly and settlements happen on a regular schedule.
No POS required — You don't need any physical device. Everything is digital and happens through your store's checkout page.
How to Set Up Payment on Your Sellora Store
Setting up payments on Sellora is straightforward:
- Log in to your Sellora dashboard
- Go to Settings
- Click on Payments
- Enter your Nigerian bank account details — bank name, account number, and account name
- Save your settings
Once this is done, any payment made through your store will be settled directly into that bank account. You can update your bank account details anytime from the same settings page.
When Do I Get My Money?
After a customer completes payment on your store, the money goes through a short processing period before it's settled into your account. Settlement timelines vary slightly, but Sellora processes payments on a regular schedule.
If you ever have a question about a specific payment or need to resolve a transaction issue, you can reach Sellora's support team through your dashboard.
What Happens If a Payment Fails?
Sometimes a customer's payment attempt fails — this can happen because of insufficient funds, a network issue, or a bank decline.
When this happens, the customer is usually notified immediately and can try again with a different card or payment method. The order is not confirmed until payment is successfully completed, so you will not receive a failed order on your end.
If a customer reports making a payment but you didn't receive the order, contact Sellora support with the transaction details and it will be investigated and resolved.
Do I Need a Business Account?
No. You can link a regular personal Nigerian bank account to receive payments on Sellora. However, as your business grows, it's good practice to open a separate business account to keep your personal and business finances separate. This also makes it easier to track your revenue and prepare for taxes.
Is It Safe for My Customers to Pay on My Sellora Store?
Yes. PalmPay's checkout is secured with industry-standard encryption. Customer card details and financial information are not stored on your store — they are handled securely by PalmPay's payment infrastructure.
When customers see a professional-looking store with a working checkout, it also builds their trust. A store on Sellora looks credible and gives customers confidence to buy.
Can International Customers Buy From My Store?
Currently, Sellora is optimized for Nigerian customers. Payments are processed in Naira (₦) and delivery logistics are within Nigeria. If you have international customers, it's best to arrange separate payment methods for them for now.
Tips to Reduce Payment Issues
Keep your bank account details updated — If you change your bank account, update it immediately in your Sellora settings to avoid missed settlements.
Respond to order notifications quickly — When you get an order notification, process it promptly. Customers who don't hear back quickly may assume something went wrong and request a refund.
Clearly state your policies — Put your refund and return policy somewhere visible on your store. This reduces disputes and builds customer trust.
Test your own checkout — After setting up your store, place a small test order to make sure the payment flow works correctly end-to-end.
Frequently Asked Questions
Do customers need a PalmPay account to buy from my store? No. Customers can pay by card or bank transfer without needing their own PalmPay account.
Are there transaction fees on Sellora payments? Standard payment processing fees apply, which are typical for all online payment gateways in Nigeria. Check your Sellora plan details for the exact fee structure.
Can I offer payment on delivery as an option? Sellora's current payment flow is designed for online payment at checkout. If you want to offer pay-on-delivery, you can handle that arrangement manually with specific customers outside the platform.
What currency do customers pay in? Customers pay in Nigerian Naira (₦).
What if my bank account details are wrong? Go to Settings > Payments immediately and correct them. If a payment was already made with the wrong details, contact Sellora support for help with the resolution.
Start Accepting Payments Today
Setting up payment collection on your Sellora store takes less than five minutes. Once it's done, your store can accept orders and payments automatically — even when you're asleep.