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Overview

Pocketsflow integrates with multiple payment processors to help you accept payments from customers worldwide. You can enable credit cards, PayPal, and cryptocurrency payments to maximize conversion rates. Supported payment providers:
  • ✅ Payment Gateways - Credit/debit cards, Apple Pay, Google Pay, bank transfers, crypto wallets
  • ✅ PayPal - PayPal balance, credit/debit cards via PayPal
  • ✅ Coinflow - Cryptocurrency payments (Bitcoin, Ethereum, USDC, Solana)
Benefits of multiple payment methods:
  • Higher conversion rates (15-30% increase with PayPal + cards)
  • Reach international customers
  • Accept cryptocurrency for web3 products
  • Buyer preference and familiarity

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Payment Processor Comparison

FeaturePayment GatewayPayPalCoinflow
Credit/Debit Cards✅✅ (via PayPal)❌
Digital WalletsApple Pay, Google PayPayPal balanceCrypto wallets
Bank TransfersACH, SEPA, SWIFT❌❌
CryptocurrencySome providers❌✅
Payout Speed2-4 business days*Instant - 1 day1-3 days
Fee StructureVaries by provider2.9% + $0.301% - 3%
Setup ComplexityMediumEasyMedium
InternationalVaries by provider200+ countriesGlobal
Best ForPrimary processorAlternative methodWeb3/crypto
*Note: Payouts may take up to 4 business days and are not processed on weekends
Recommended setup: Integrate payment gateway to access payouts (bank, crypto, etc.) and enable PayPal for PayPal users. This combination typically provides the highest conversion rate.

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Payment Gateway Integration

Integrate payment gateway to access payouts (bank, crypto, etc.) for processing credit cards, digital wallets, bank transfers, and more.

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Why Use a Payment Gateway?

Advantages:
  • ✅ Wide payment method coverage
  • ✅ Advanced fraud protection
  • ✅ Automatic tax calculation
  • ✅ Subscriptions and recurring billing
  • ✅ Strong developer tools and webhooks
  • ✅ PCI DSS compliance
Supported payment methods vary by provider:
  • Credit/debit cards (Visa, Mastercard, Amex, Discover, etc.)
  • Digital wallets (Apple Pay, Google Pay, Microsoft Pay)
  • Buy Now Pay Later (Klarna, Affirm, Afterpay)
  • Bank debits (ACH Direct Debit, SEPA Direct Debit)
  • Regional methods (iDEAL, Bancontact, giropay, etc.)
  • Cryptocurrency wallets (with certain providers)

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Payment Gateway Account Setup

1

Create payment gateway account

Sign up with your chosen payment processor
2

Verify your business

Complete identity verification and provide business details
3

Connect to Pocketsflow

Go to Pocketsflow Settings → Payments → Connect Payment Gateway
4

Authorize connection

Log in to your payment gateway and authorize Pocketsflow access
5

Enable test mode

Test with sandbox/test keys before going live
Step-by-step instructions:

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1. Create Payment Gateway Account

  1. Visit your chosen payment processor’s website
  2. Enter your email address
  3. Choose account type:
    • Individual - Sole proprietors, freelancers
    • Company - LLC, Corporation, Partnership
  4. Provide business information:
    • Legal business name
    • Business address
    • Industry/product description
    • Website URL (optional but recommended)

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2. Complete Identity Verification

Payment processors require identity verification to comply with financial regulations: Information needed:
  • Full legal name (matching government ID)
  • Date of birth
  • Home address
  • Tax ID:
    • US: SSN (individual) or EIN (business)
    • Non-US: VAT ID, GST, or local tax ID
  • Government-issued ID (passport, driver’s license)
  • Bank account or crypto wallet details for payouts
Verification process:
  1. Navigate to Payment Gateway Dashboard → Settings → Account
  2. Click Complete account setup
  3. Upload required documents
  4. Wait for review (usually instant, may take 1-2 business days)
  5. Receive approval email
Activation timeline: Payment gateways may activate your account immediately with temporary limits, then fully activate after verification. Processing limits vary by provider.

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3. Connect Payment Gateway to Pocketsflow

In Pocketsflow Dashboard:
  1. Go to Settings → Payments
  2. Find Payment Gateway section
  3. Click Connect Payment Gateway
  4. Choose your provider and connection type:
    • Standard (recommended) - Use existing payment gateway account
    • Express - Create new account managed by Pocketsflow
Standard Account (recommended):
  • You own and control the payment gateway account
  • Access full payment gateway dashboard
  • Can use account for other projects
  • More flexibility
Express Account:
  • Simplified onboarding
  • Pocketsflow manages most settings
  • Limited dashboard access
  • Faster setup
  1. Click Connect Standard Account
  2. Log in to your payment gateway account
  3. Review permissions requested by Pocketsflow:
    • Create charges
    • View customers
    • Process refunds
    • Manage subscriptions
    • Receive webhook events
  4. Click Authorize access to this account
  5. Redirected back to Pocketsflow
  6. See “Payment Gateway Connected ✅” confirmation

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Test Mode vs Live Mode

Payment gateways operate in two modes to protect your live data during development: Test Mode:
  • Use test/sandbox API keys
  • Process fake transactions with test cards
  • No real money involved
  • Perfect for development and testing
  • Separate test data from production
Live Mode:
  • Use live/production API keys
  • Process real transactions
  • Real money and real customers
  • Requires full verification
  • Production environment
Switching modes in Pocketsflow:
  1. Settings → Payments
  2. Toggle Test Mode / Live Mode switch
  3. Yellow banner appears when in test mode
  4. All transactions in test mode are simulated

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Test Cards

Use these test card numbers to simulate different scenarios (varies by payment provider): Common test card for successful payments: 
Card: 4242 4242 4242 4242
Expiry: Any future date (e.g., 12/25)
CVC: Any 3 digits (e.g., 123)
ZIP: Any 5 digits (e.g., 12345)
Other test scenarios (examples):
Card NumberResult
4000 0027 6000 3184Requires 3D Secure authentication
4000 0000 0000 0002Card declined (generic)
4000 0000 0000 9995Insufficient funds
4000 0000 0000 9987Lost card
4000 0000 0000 9979Stolen card
4000 0082 6000 0000Charge succeeds but disputes later
Testing webhooks: 
Card: 4242 4242 4242 4242
Complete checkout → Triggers order.completed webhook
Check your payment provider’s documentation for complete test card lists.

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Enabling Additional Payment Methods

Enable regional and alternative payment methods in your payment gateway: In Payment Gateway Dashboard:
  1. Go to Settings → Payment methods
  2. Browse available methods by region
  3. Enable desired payment methods:
Popular methods to enable:
  • ✅ Apple Pay - Enable for iOS users
  • ✅ Google Pay - Enable for Android users
  • ✅ One-click checkout - Provider’s fast checkout option
  • ✅ ACH Direct Debit - Bank transfers (US)
  • ✅ SEPA Direct Debit - Bank transfers (Europe)
  • ✅ Klarna - Buy now, pay later (30 days interest-free)
  • ✅ Afterpay/Clearpay - Installment payments
  • ✅ Crypto Wallets - Bitcoin, Ethereum, etc.
Regional methods (enable based on target market):
  • Europe: iDEAL (Netherlands), Bancontact (Belgium), giropay (Germany)
  • Asia: Alipay (China), WeChat Pay (China), GrabPay (Southeast Asia)
  • Mexico: OXXO (cash payments)
  • Brazil: Boleto (bank transfer), PIX
Each payment method may have different fee structures. Check your payment provider’s pricing before enabling.

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Payment Gateway Fees

Typical pricing (varies by provider and country):
  • Cards: 2.5%-3.5% + 0.20−0.20-0.50 per successful charge
  • Digital Wallets: Similar to card rates
  • Buy Now Pay Later: 4%-7% + fixed fee
  • Bank Transfers: 0.5%-1.5% (often capped)
  • International cards: +1%-2% additional fee
  • Currency conversion: +0.5%-2% if different from settlement currency
  • Crypto transactions: 1%-3% depending on provider
No fees typically charged for:
  • Failed charges
  • Refunds (though original fees usually not returned)
  • Some providers charge dispute fees (15−15-25 if you lose)
Pocketsflow platform fee:
  • Free plan: 5% platform fee
  • Pro plan: 0% platform fee
  • Check your plan in Settings → Billing
Example calculation: 
Product Price: $100
Processing Fee (example): $100 × 2.9% + $0.30 = $3.20
Pocketsflow Fee (Free plan): $100 × 5% = $5.00
Net Payout: $100 - $3.20 - $5.00 = $91.80
Important: Payouts may take up to 4 business days to arrive and are not processed on weekends. Plan your cash flow accordingly.

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PayPal Integration

PayPal is a popular payment method, especially for customers who prefer not to enter card details directly.

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Why PayPal?

Advantages:
  • ✅ 400+ million active users worldwide
  • ✅ Higher trust for some buyers
  • ✅ PayPal balance payments (no card needed)
  • ✅ Buyer protection program
  • ✅ Fast integration
Disadvantages:
  • ❌ Higher dispute rates
  • ❌ Can hold funds or freeze accounts
  • ❌ Limited customization
  • ❌ Separate payout schedule

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PayPal Account Setup

1

Create PayPal Business account

Sign up at paypal.com/business
2

Verify your business

Add bank account and verify identity
3

Enable API access

Generate API credentials in PayPal Dashboard
4

Connect to Pocketsflow

Settings → Payments → Connect PayPal
Detailed instructions:

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1. Create PayPal Business Account

  1. Go to paypal.com/business
  2. Click Sign Up
  3. Choose Business Account
  4. Select business type:
    • Sole Proprietorship - Individual/freelancer
    • LLC / Corporation - Registered business
  5. Provide business information:
    • Business name
    • Contact details
    • Business address
    • Tax ID (EIN or SSN)

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2. Verify PayPal Account

PayPal requires verification to lift withdrawal limits: Steps:
  1. PayPal Dashboard → Settings → Account Settings
  2. Click Get Verified
  3. Confirm email address (check inbox)
  4. Link bank account:
    • Add routing and account number
    • PayPal sends 2 small deposits (< $1)
    • Verify amounts in 2-3 business days
  5. Add credit/debit card (optional but recommended)
  6. Upload business documents if requested:
    • Business license
    • Articles of incorporation
    • Government-issued ID
Verification status:
  • Unverified: $500 withdrawal limit
  • Verified: No limits

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3. Enable PayPal for Pocketsflow

In Pocketsflow:
  1. Settings → Payments → PayPal
  2. Click Connect PayPal Account
  3. Choose integration method:
    • PayPal Commerce Platform (recommended - supports subscriptions)
    • PayPal Standard (basic integration)
  4. Click Connect with PayPal
  5. Log in to PayPal
  6. Grant permissions to Pocketsflow:
    • Accept payments
    • View transactions
    • Process refunds
  7. Click Agree and Connect
  8. Redirected back to Pocketsflow
  9. See “PayPal Connected ✅”
Configuration options:
  • Enable for one-time products: ✅
  • Enable for subscriptions: ✅ (requires PayPal Commerce)
  • Auto-refund on PayPal disputes: ✅/❌

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PayPal Fees

Standard pricing:
  • Domestic payments: 2.99% + $0.49
  • International payments: 4.49% + fixed fee (varies by currency)
  • Currency conversion: 3-4% above exchange rate
  • Micropayments (< 10):510): 5% + 0.05 (must enable separately)
  • Chargebacks: $20 per dispute
Example: 
Product Price: $100
PayPal Fee: $100 × 2.99% + $0.49 = $3.48
Pocketsflow Fee: $100 × 5% = $5.00
Net Payout: $100 - $3.48 - $5.00 = $91.52

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Cryptocurrency Payments (Coinflow)

Accept Bitcoin, Ethereum, USDC, Solana, and other cryptocurrencies via Coinflow integration.

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Why Crypto Payments?

Use cases:
  • Web3 / NFT products
  • International payments (avoid currency conversion)
  • Privacy-conscious customers
  • Lower fees for large transactions
  • Target crypto-native audience
Supported cryptocurrencies:
  • Bitcoin (BTC)
  • Ethereum (ETH)
  • USD Coin (USDC)
  • Solana (SOL)
  • Polygon (MATIC)
  • And 20+ more

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Coinflow Setup

1

Create Coinflow account

Sign up at coinflow.cash/merchants
2

Complete KYC

Verify identity and business
3

Generate API keys

Create production and sandbox keys
4

Connect to Pocketsflow

Settings → Payments → Enable Coinflow
Detailed instructions:
  1. Sign up for Coinflow:
  2. Complete merchant verification:
    • Business name and address
    • Tax ID / business registration
    • Crypto wallet address for payouts
    • Expected transaction volume
  3. Get API credentials:
    • Coinflow Dashboard → Developers → API Keys
    • Copy Publishable Key (starts with cfpk_)
    • Copy Secret Key (starts with cfsk_)
    • Save securely
  4. Connect to Pocketsflow:
    • Pocketsflow → Settings → Payments → Cryptocurrency
    • Toggle Enable Crypto Payments
    • Select Coinflow as provider
    • Paste API keys:
      • Publishable Key: cfpk_...
      • Secret Key: cfsk_...
    • Choose settlement currency (USD, EUR, or crypto)
    • Click Save
Settlement options:
  • Fiat - Auto-convert crypto to USD/EUR (no price risk)
  • Crypto - Receive payouts in cryptocurrency
  • Mixed - Percentage in fiat, percentage in crypto

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Crypto Payment Fees

Coinflow pricing:
  • Payment processing: 1% - 3% per transaction
  • Settlement to fiat: +1% for auto-conversion
  • Network fees: Variable (paid by customer)
Example: 
Product Price: $100 (customer pays equivalent in BTC)
Coinflow Fee: $100 × 2% = $2.00
Settlement Fee: $100 × 1% = $1.00 (if converting to USD)
Pocketsflow Fee: $100 × 5% = $5.00
Net Payout: $100 - $2.00 - $1.00 - $5.00 = $92.00

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Supported Payment Methods by Region

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Global Coverage

Pocketsflow via payment gateways accepts payments from customers worldwide: North America:
  • 🇺🇸 United States - Cards, Apple Pay, Google Pay, ACH, Klarna, Affirm
  • 🇨🇦 Canada - Cards, Apple Pay, Google Pay, Interac
  • 🇲🇽 Mexico - Cards, OXXO (cash)
Europe:
  • 🇬🇧 UK - Cards, Apple Pay, Google Pay, Bacs Direct Debit
  • 🇩🇪 Germany - Cards, giropay, SEPA, Klarna, Sofort
  • 🇫🇷 France - Cards, SEPA, Cartes Bancaires
  • 🇳🇱 Netherlands - Cards, iDEAL, SEPA
  • 🇧🇪 Belgium - Cards, Bancontact, SEPA
  • 🇪🇸 Spain - Cards, SEPA
  • 🇮🇹 Italy - Cards, SEPA
  • And 40+ more European countries
Asia-Pacific:
  • 🇦🇺 Australia - Cards, Apple Pay, Google Pay, BECS Direct Debit
  • 🇸🇬 Singapore - Cards, Apple Pay, Google Pay, GrabPay, PayNow
  • 🇯🇵 Japan - Cards, Apple Pay, Konbini (convenience store payments)
  • 🇮🇳 India - Cards, UPI, NetBanking, Wallets
  • 🇨🇳 China - Alipay, WeChat Pay
Latin America:
  • 🇧🇷 Brazil - Cards, Boleto, PIX
  • 🇦🇷 Argentina - Cards
  • 🇨🇱 Chile - Cards
  • 🇨🇴 Colombia - Cards
Check your payment provider’s documentation for supported countries and payment methods.

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Tax Calculation

Automatically calculate and collect sales tax, VAT, and GST using your payment gateway’s tax calculation features.

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Enabling Tax Calculation

1

Enable in payment gateway

Payment Gateway Dashboard → Settings → Tax → Enable Tax Calculation
2

Configure tax regions

Select where you’re required to collect tax
3

Enable in Pocketsflow

Settings → Payments → Enable Tax Collection
4

Test checkout

Verify tax calculation with test addresses
Where tax is collected:
  • US: Sales tax (varies by state)
  • EU: VAT (standard rates: 19-27%)
  • UK: VAT (20%)
  • Canada: GST/HST/PST
  • Australia: GST (10%)
  • India: GST (18%)
How it works:
  1. Customer enters billing address at checkout
  2. Payment gateway calculates applicable tax rate
  3. Tax amount added to checkout total
  4. Tax collected through payment processor
  5. You receive reports for tax filing
Tax registration requirements:
  • You must register for tax collection in applicable jurisdictions
  • Provide registration numbers to your payment provider
  • File periodic tax returns
See Tax Settings for detailed configuration.

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Refunds & Dispute Handling

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Processing Refunds

Full refund:
  1. Dashboard → Orders
  2. Find order to refund
  3. Click Refund
  4. Select Full Refund
  5. Add reason (optional)
  6. Click Confirm Refund
Partial refund:
  1. Click Refund
  2. Select Partial Refund
  3. Enter amount to refund
  4. Add reason
  5. Click Confirm Refund
Refund timeline:
  • Payment gateway: 5-10 business days to customer’s card
  • PayPal: Instant to PayPal balance, 3-5 days to card
  • Crypto: Manual process, contact support
Fees:
  • Payment processor fees are typically NOT refunded
  • Pocketsflow platform fee IS refunded
  • Example: Refund 100order→Customergets100 order → Customer gets 100, you lose original processing fees

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Handling Disputes (Chargebacks)

Dispute process:
1

Customer disputes charge with bank

You receive dispute notification email
2

Funds immediately withdrawn

Disputed amount + dispute fee held by payment processor
3

Provide evidence

Upload proof of delivery, terms, emails within 7-10 days
4

Bank reviews evidence

Decision in 30-90 days
5

Resolution

Win: Funds returned. Lose: Funds kept by customer
Evidence to provide:
  • ✅ Customer emails showing satisfaction
  • ✅ Proof of file download/access
  • ✅ Terms of service agreement
  • ✅ Screenshots of product usage
  • ✅ IP logs showing access
  • ❌ Don’t admit fault or offer refund during dispute
Dispute prevention:
  • Clear product descriptions
  • Responsive customer support
  • Easy refund policy
  • Delivery confirmation emails
  • Terms of service on checkout page

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Test Mode Testing

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Testing Payment Flow

Complete test checklist:
1

Enable test mode

Settings → Payments → Toggle Test Mode ON
2

Create test product

Price: 10−10-50 for realistic testing
3

Test successful payment

Use test card 4242 4242 4242 4242
4

Test declined payment

Use test card 4000 0000 0000 0002
5

Test 3D Secure

Use test card 4000 0027 6000 3184
6

Verify webhooks

Check webhook events fire correctly
7

Test refund

Process a refund on test order
8

Test subscription

If using subscriptions, test signup and renewal
PayPal sandbox testing:
  1. Create PayPal Sandbox account at developer.paypal.com
  2. Generate test buyer and seller accounts
  3. Use sandbox credentials in Pocketsflow test mode
  4. Complete checkout with test PayPal account

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Going Live

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Pre-Launch Checklist

Before accepting real payments:
  • ✅ Payment gateway verification complete - Identity confirmed, payout method added
  • ✅ Payout account connected - Bank or wallet details verified
  • ✅ Test mode tested - All payment flows work correctly
  • ✅ Tax settings configured - Tax calculation enabled if required
  • ✅ Product prices correct - Double-check pricing
  • ✅ Terms of service published - Refund policy, privacy policy live
  • ✅ Customer emails tested - Purchase confirmation, download links work
  • ✅ Webhooks configured - If using integrations
  • ✅ Switch to live mode - Toggle Live Mode ON
Final steps:
  1. Settings → Payments
  2. Verify “Payment Gateway Connected ✅” in live mode
  3. Toggle Test Mode to Live Mode
  4. Remove test mode banner
  5. Create first live product
  6. Complete a real test purchase (refund yourself)
  7. Verify everything works end-to-end
  8. Announce launch! 🎉

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Troubleshooting

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Payment Gateway Connection Issues

Problem: “Unable to connect payment gateway account” Solutions:
  1. Clear browser cache and cookies
  2. Try different browser (Chrome recommended)
  3. Disable browser extensions
  4. Check payment gateway account is fully verified
  5. Ensure you’re logged into correct payment account
  6. Try disconnect and reconnect
Problem: “Payment gateway account restricted” Solutions:
  1. Check Payment Gateway Dashboard for verification requirements
  2. Complete missing identity verification steps
  3. Provide additional requested documents
  4. Contact payment provider support if unclear

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Payment Failures

Problem: Cards declining at checkout Common causes:
  1. Insufficient funds - Customer’s card limit reached
  2. Incorrect details - Wrong CVC, expiry, or ZIP
  3. Fraud prevention - Bank blocked suspicious transaction
  4. 3D Secure required - Customer must authenticate
  5. International card blocks - Enable international payments in payment gateway
Solutions:
  • Ask customer to try different card
  • Suggest PayPal as alternative
  • Enable additional payment methods
  • Contact payment provider support with error codes

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PayPal Integration Issues

Problem: “PayPal payments not appearing” Solutions:
  1. Verify PayPal account is Business account (not Personal)
  2. Check PayPal Commerce Platform is enabled
  3. Ensure API credentials are correct
  4. Test in PayPal Sandbox first
  5. Check PayPal account isn’t limited
Problem: “PayPal holding funds” Solutions:
  • New accounts often have 21-day holds
  • Build selling history (5+ transactions)
  • Provide tracking info for orders
  • Respond quickly to buyer messages
  • Appeal holds through PayPal Resolution Center

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FAQ

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Can I use multiple payment processors?

Yes! Enable multiple payment gateways and PayPal for maximum conversion. Customers choose their preferred method at checkout.

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Do I need separate accounts for test and live mode?

No. Most payment gateways and PayPal support test mode using the same account with different API keys.

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What happens if a payment fails?

The customer sees an error message and can try again with different payment method. You’re not charged any fees for failed payments.

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Can I accept payments in multiple currencies?

Yes. Most payment gateways support multiple currencies. Enable multi-currency in your Payment Gateway Dashboard → Settings → Multi-currency.

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How long until I receive payouts?

  • Payment Gateway: Up to 4 business days (not processed on weekends)
  • PayPal: Instant (1% fee) or standard (1-3 days)
  • Coinflow: 1-3 business days

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Are payment fees refundable?

No. When you refund a customer, processing fees are not returned. You lose the original transaction fee.

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Next Steps

Payouts

Set up bank account and payout schedule

Tax Settings

Configure automatic tax collection

Refunds & Disputes

Handle refunds and chargebacks

Account Security

Secure your account and API keys