Taking payments online and in store with one provider
Why growing businesses are bringing POS, online checkout, payment links and settlement together with one provider, and what to look for when you do.
- One provider for in-store and online payments gives you a single view of sales and one settlement report.
- Customers expect to pay by mobile money, card, bank transfer and QR, wherever they buy.
- Look for fast settlement, clear reporting and a POS that shares stock with your online store.
Customers now buy in more places than ever: at the counter, on your website, through social media and on delivery. Many businesses add a new payment provider for each channel. Over time, that means several contracts, several dashboards and several settlement reports to reconcile every day.
Bringing payments together with one provider is one of the most effective ways to simplify finance and grow sales.
Why one provider helps
- One view of every sale, whether it happened in store or online.
- One settlement report, so finance teams reconcile in minutes, not hours.
- One contract and one support team when something needs attention.
- Consistent customer experience, with the same payment options everywhere.
In store: POS and terminals
A modern point of sale should:
- Accept cards, mobile money and QR on one terminal.
- Update stock with every sale.
- Send digital receipts by SMS or email.
- Work at the counter, the table and the door.
Online: checkout, links and pages
Online, you have three main options:
- Checkout on your website or app, integrated through an API or plugin.
- Payment links, shared by WhatsApp, SMS or email, perfect for invoices and social selling.
- Hosted payment pages for fees, donations or products, live in minutes with no code.
Every way customers pay
Offer the methods your customers actually use: mobile money, Visa and Mastercard, bank transfer, QR payments and, where relevant, USSD. Every extra method you support means fewer abandoned checkouts.
What to look for in a provider
- Fast, predictable settlement into your bank account.
- Reporting that matches payments to orders and branches.
- Security: encrypted payments and fraud monitoring.
- POS and online store that share one stock list.
- Payouts for refunds, suppliers and agents from the same balance.
How Telxer can help
TeleMoney is a payment gateway with payment links, pages, QR and payouts, and Rails provides the POS, terminals and online store, all connected. Together they power payments and commerce for retailers, restaurants, schools and more.
Frequently asked questions
Can one terminal accept card and mobile money?
Yes. Modern payment terminals accept cards, mobile money and QR payments, all settled through the same account.
Do I need a website to take online payments?
No. Payment links and hosted payment pages let you get paid online without a website or any code.
How is settlement handled?
Payments from every channel are settled into your bank account on a regular schedule, with one report that matches each payment to its order.
Want help applying this? Our team can review your setup and recommend next steps.
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