Payment Methods

Configure how your organization pays for AfricaOS.

Supported Methods

Credit/Debit Cards

Accepted: Visa, Mastercard, American Express, Discover

Features:

• Tokenized (we never see full number)
• Auto-update for expired cards (Visa/MC)
• 3D Secure supported
• Multiple cards allowed
• Set default

Setup:

1. Settings → Billing → Payment Methods
2. Add Card → Enter details
3. Verify (small auth, voided immediately)
4. Set as default

Security:

• PCI DSS Level 1 (via Stripe)
• No card data on our servers
• Token vaulted with provider

Bank Transfers (EFT)

For: ZAR payments within South Africa

Details Provided:

• Bank: Standard Bank
• Account: AfricaOS (Pty) Ltd
• Branch: 051001
• Account #: [Unique per org]
• Reference: INV-XXXXX (critical)

Processing: 1-2 business days

Tips:

• Always use invoice number as reference
• Send proof of payment to billing@africaos.dev
• Allow 2 days before due date

Wire Transfers (International)

For: USD, EUR, GBP, other currencies

Details:

• Provided per invoice (varies by currency)
• SWIFT/BIC, IBAN, intermediary bank
• Reference: INV-XXXXX

Processing: 2-5 business days

Fees:

• Sender pays all fees (OUR instruction)
• We receive net amount
• Shortfalls billed separately

Mobile Money

Supported:

• M-Pesa (Kenya, Tanzania, Ghana, etc.)
• MTN MoMo (Multiple African countries)
• Airtel Money (Multiple African countries)
• Orange Money (Select countries)

Setup:

1. Settings → Billing → Add Mobile Money
2. Select provider
3. Enter phone number
4. Authorize via provider app/USSD
5. Verify

Processing: Instant to few minutes

Limits: Per provider daily/monthly limits apply

Paystack / Flutterwave / Stripe

For: Card, bank, mobile money via platform

Setup:

1. Connect account in Settings → Integrations
2. Payment methods managed in provider dashboard
3. AfricaOS uses connected account for charges

Benefits:

• Local payment methods
• Better success rates in Africa
• Unified dashboard

Managing Payment Methods

Default Method

• One default for auto-pay
• Change anytime
• Used for: subscriptions, overages, manual payments

Multiple Methods

• Add backup methods
• Auto-pay falls back on failure
• Manual selection per payment

Removing Methods

• Keep at least one
• Can't remove if only method
• Remove before adding replacement

Updating Cards

• Auto-update for supported networks
• Manual update: Remove old, add new
• Expiry warnings sent 30 days prior

Security

Card Security

• PCI DSS compliant (SAQ A)
• Tokenization via Stripe/Paystack
• No CVV storage
• 3D Secure 2.0

Bank Account Security

• Read-only verification (micro-deposits)
• No debit authority
• Reference-only for matching

Mobile Money Security

• PIN/biometric per transaction
• Provider handles auth
• No credentials stored

Access Control

• Only Owner/Admin manage methods
• Audit log of all changes
• MFA required for changes

Troubleshooting

Card Declined

Bank Transfer Not Matched

1. Verify reference (INV-XXXXX)
2. Check amount matches exactly
3. Send proof to billing@africaos.dev
4. Allow 24h for allocation

Mobile Money Failed

1. Check balance
2. Check daily limit
3. Verify PIN
4. Try alternative provider
5. Contact provider support

Auto-Pay Failed

1. Notification sent immediately
2. 3 retries over 14 days
3. Update payment method
4. Manual pay to avoid service impact

Best Practices

1. Always have backup - Card + Bank + Mobile Money
2. Enable auto-pay - Avoid service interruption
3. Monitor expiry - Update cards before expiry
4. Use invoice reference - Critical for bank transfers
5. Set billing alerts - 80% usage, failed payments
6. Review monthly - Check invoices, usage, methods

Related

• Billing Management
• Invoices & Payments
• Subscription Management
• Plans & Pricing