Payment Methods

SabiBooks supports multiple payment methods so you can accept money however your customers prefer to pay. This page covers each payment method in detail, including setup and troubleshooting.

Available Payment Methods

Cash

Customer pays with physical Naira notes and coins. SabiBooks calculates the change automatically.

POS Terminal

Customer taps or inserts their bank card into your POS machine (Moniepoint, Opay, Palmpay, Kuda).

Bank Transfer

Customer transfers money directly to your bank account via their banking app.

Credit

Customer takes goods now and pays later. Requires a customer to be selected.

Cash Payments

Cash is the most common payment method for Nigerian MSMEs. SabiBooks helps you track cash received and calculate change.

1. Select Cash

   On the POS screen, select “Cash” as the payment method.

2. Tap Charge

   Tap the “Charge” button (shows the total amount).

3. Enter amount received

   A modal opens asking how much cash the customer gave you. Enter the amount (e.g., if the total is ₦2,350 and the customer gives ₦2,500, enter 2500).

4. Confirm the sale

   SabiBooks calculates the change to give back (₦150 in this example). Tap “Confirm” to complete the sale.

Tip

Always count the cash before entering the amount. Double-check the change before handing it to the customer.

POS Terminal Payments

If you have a POS terminal from a Nigerian payment provider, SabiBooks can push payment amounts directly to the terminal.

1. Select POS Terminal

   Select “POS Terminal” as the payment method.

2. Tap Charge

   Tap the “Charge” button.

3. Choose your POS provider

   A modal opens asking you to select your POS provider: Moniepoint, Opay, Palmpay, Kuda, or Other.

4. Complete the card payment

   The payment amount is pushed to your POS terminal. The customer taps/inserts their card and enters their PIN. Wait for the terminal to show “Approved”.

5. Sale recorded

   SabiBooks records the sale automatically.

Tip

If the POS payment fails (e.g., “Insufficient Funds” or “Network Error”), you can cancel and try again, or ask the customer to use a different payment method.

Setting Up Your POS Provider

To connect your POS terminal to SabiBooks:

1. Go to Settings
2. Find the Payment section
3. Select your POS provider
4. Enter your terminal ID and merchant credentials
5. Save and test with a small transaction

Note

SabiBooks currently supports integration with Moniepoint, Opay, Palmpay, and Kuda POS terminals. More providers will be added based on demand.

Bank Transfer Payments

Bank transfers are increasingly popular in Nigeria. When a customer pays by transfer:

1. Select Transfer

   Select “Transfer” as the payment method.

2. Tap Charge

   Tap the “Charge” button. SabiBooks records the sale.

3. Verify the transfer

   Confirm with your bank notification that the transfer was received.

Caution

Always verify that the transfer has arrived in your bank account before releasing the goods. Check your bank app or wait for the credit alert SMS.

Credit Payments

Credit sales allow trusted customers to take goods now and pay later. SabiBooks tracks what each customer owes you.

1. Select a customer

   First, select a customer (required for credit sales). See Customers for how to add customers.

2. Select Credit

   Select “Credit” as the payment method.

3. Tap Charge

   Tap the “Charge” button. The sale amount is added to the customer’s credit balance.

Caution

If no customer is selected, the Credit option is disabled. You must link every credit sale to a customer so you know who owes you.

Tip

Mama Chidi says: “Always save the customer phone number when they buy on credit. That way you can send reminders later.”

For full details on managing customer credit balances, payments, and reminders, see the Credit Management page.

Split Payments

Sometimes customers want to pay using more than one method. For example, ₦3,000 in cash and ₦2,000 by transfer.

1. Open split payment

   After adding items to the cart, tap the Split Payment button (icon with horizontal lines, next to the Charge button).

2. Add payment entries

   A modal opens where you can add multiple payment entries. For each payment:

   • Select the payment method (Cash, POS, Transfer, Credit)
   • Enter the amount for that method

3. Complete the split payment

   The total of all entries must equal the sale total. Tap “Complete” when the amounts balance.

Tip

Example: A customer’s order is ₦5,000. They pay ₦3,000 cash and ₦2,000 by bank transfer. You add two entries:

• Cash: ₦3,000
• Bank Transfer: ₦2,000
• Total: ₦5,000 (matches the sale total)

Payment Reports

You can view payment method breakdowns in your Reports:

• Sales by Payment Method — See how much revenue comes from cash vs POS vs transfer vs credit
• Daily Payment Summary — Track cash collected, POS transactions, and transfers for each day
• Outstanding Credit — View total credit owed across all customers

Tip

Alhaji Musa says: “I check my payment reports every evening. It helps me reconcile cash in the till with what SabiBooks shows.”

Troubleshooting

POS Not Connecting

• Check that your POS terminal is powered on and has network signal
• Verify your terminal ID in Settings
• Try restarting the POS terminal
• Contact your POS provider’s support if the issue persists

Wrong Amount Charged

• If a sale was completed with the wrong amount, you can void the sale and re-enter it
• For partial corrections, use a stock adjustment and a new sale

Transfer Not Received

• Ask the customer to share their transfer receipt or screenshot
• Check your bank app for pending transactions
• Bank transfers can take up to 24 hours during network issues
• If the transfer fails, ask the customer to pay with a different method