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Setting Up Payment Methods

Last updated: November 2025

Configure how your hotel accepts payments from guests. InnGO supports multiple payment methods popular in Nigeria and globally.

Available Payment Methods

1. Cash

Traditional naira notes payment:

  • Most common in Nigerian hotels
  • Immediate settlement
  • No transaction fees
  • Requires secure cash storage
  • Daily banking recommended

2. Bank Transfer

Direct bank-to-bank transfer:

  • Very popular in Nigeria
  • Guests use mobile banking apps
  • Instant confirmation via SMS/email alert
  • No POS terminal needed
  • Set up: Provide your hotel bank account details

3. POS (Card Payment)

Credit/debit card via POS terminal:

  • Requires POS machine from your bank
  • Accepts Mastercard, Visa, Verve
  • Small transaction fees apply
  • Keep terminal charged (backup for NEPA)
  • Instant receipt printing

4. Online Payment (Paystack)

Online payment gateway integration:

  • Professional Plan feature
  • Guests pay via website
  • Automatic booking confirmation
  • Settlement to your bank account
  • Transaction fee: 1.5% + ₦100

Setting Up Bank Transfer

Step 1: Go to Settings → Payment Settings
Step 2: Click Bank Transfer Setup
Step 3: Enter your hotel bank details:
  • Bank Name (e.g., "GTBank", "First Bank")
  • Account Number
  • Account Name
Step 4: Enable "Show bank details to guests"
Step 5: Save settings

Guests can now see your bank details during booking to make transfers.

Setting Up Paystack (Online Payments)

⚠️ Requirement: Professional Plan subscription needed for online payment integration.
Step 1: Create Paystack account at paystack.com
Step 2: Complete Paystack business verification
Step 3: Get your Paystack API keys from dashboard
Step 4: In InnGO, go to Settings → Payment Settings
Step 5: Click Connect Paystack
Step 6: Enter your Paystack Public and Secret keys
Step 7: Click Connect
Step 8: Test with small transaction to verify

Paystack Fees

  • Local cards: 1.5% + ₦100 (capped at ₦2,000)
  • International cards: 3.9% + ₦100
  • Fees deducted before settlement
  • Settlement: T+1 (next business day)

Recording Payments in InnGO

For all payment methods:

  1. Open booking
  2. Click "Add Payment" or edit existing
  3. Select payment method from dropdown
  4. Enter amount received
  5. Add payment reference/notes (optional)
  6. Save

Best Practices by Method

Cash:

  • Count money in front of guest
  • Issue receipt immediately
  • Store in secure location
  • Bank daily to reduce cash on premises

Transfer:

  • Verify SMS/email alert before confirming booking
  • Match transfer amount to booking total
  • Note sender name in booking
  • Screenshot transfer confirmation

POS:

  • Ensure terminal is charged
  • Print receipt for guest and hotel copy
  • Note transaction reference
  • File POS receipts for reconciliation

Online/Paystack:

  • Payment updates automatically
  • Guest receives instant confirmation
  • No manual recording needed
  • Check Paystack dashboard for settlements

Handling Multiple Payment Methods

Guest pays in installments via different methods:

  1. Record each payment separately
  2. Example: Deposit via transfer, balance via cash
  3. InnGO tracks total automatically
  4. Payment history shows all transactions

Nigerian Context Tips

NEPA Considerations

  • Keep POS terminal charged
  • Always accept cash as backup
  • Bank details work even without power
  • Paystack payments process automatically when online

Popular Nigerian Payment Apps

  • Opay, Palmpay, Kuda
  • GTWorld, First Mobile, Access Mobile
  • All transfer to your bank account
  • Guests familiar with these apps

Payment Verification

  • Always verify transfer alerts
  • Check sender name matches guest
  • Confirm amount is correct
  • Beware of fake screenshots
  • Only confirm booking after actual credit alert

Troubleshooting

Guest says they paid but no alert?

  • Check if sent to correct account number
  • Verify bank name matches
  • Network delay may take 5-10 minutes
  • Contact your bank to confirm
  • Guest should provide transaction reference

Paystack not connecting?

  • Verify API keys are correct (no extra spaces)
  • Use test keys for testing, live keys for production
  • Ensure Paystack account is verified
  • Check internet connection

POS terminal not working?

  • Check if charged
  • Verify SIM card has data/airtime
  • Try restarting terminal
  • Contact your bank's POS support
  • Accept alternative payment method

Best Practices

  • ✓ Offer multiple payment options
  • ✓ Display payment methods clearly
  • ✓ Always issue receipts
  • ✓ Record payments immediately in InnGO
  • ✓ Reconcile daily with bank statements
  • ✓ Keep backup payment methods available
  • ✓ Train staff on each payment method

Need More Help?

For payment setup assistance:

  • Email: support@inngo.com
  • Live chat in dashboard
  • Visit Help Center