The easier it is to pay you, the faster you get paid. A payment link is simply a web page where your customer pays you by card, on the spot — no typing out banking details, no waiting on proof-of-payment screenshots. Switch on online payments once and every invoice can carry a Pay Now button — and your business gets its own standing payment link for quick jobs and social-media sales, no invoice needed. The money lands in the bank account you choose.
Turn on online payments
Head to Settings → Online Payments and click Get started — the setup walks you through it. The one real decision is the bank account your payouts land in; then accept the fees and activate. Online payments are available on every plan.
stub may also email you to verify your identity — a standard FICA check — and you'll need to complete it before you can receive payments.
What it costs
Fees depend on your plan, and are shown on Settings → Billing:
- Sneaky Side Hustle — South African cards: 4.5% + ZAR 2; International cards: 4.7% + ZAR 2
- Growing Business — South African cards: 3.5% + ZAR 2; International cards: 3.7% + ZAR 2
Online payments are processed in South African Rand. If you take a lot of card payments, the lower fees on Growing Business (Pro) can pay for themselves.
Add a Pay Now button to an invoice
On the invoice, turn on Online payments in the Options panel on the left — like every option there, it's off until you switch it on.
Everyone who opens that invoice — by email or by link — sees a Pay Now button. It pairs naturally with Create and send an invoice: send the invoice, and the payment route travels with it.
Claim your payment link
Take payment for a quick job or a social-media sale without drafting an invoice at all.
Head to Settings → Online Payments and claim your handle — your link becomes stub.africa/@yourhandle. Share it on WhatsApp, in an email, in your bio, anywhere. Anyone who opens it can enter an amount and a reference and pay you on the spot. You can also sell specific products through the link — set those up under Products & Services.
Note: The open link is for small amounts — payments through it are capped (R250 by default; the exact limit shows on the settings page). For anything bigger, send an invoice or a product payment link.
If payments get locked
If stub spots high-risk transactions on your account, online payments are switched off and you will see a warning on Settings → Online Payments and on your Insights dashboard. Get in touch with support to sort it out.
Pro tips
- Point it out. Add a line to your invoice message telling customers about the Pay Now button — plenty of people default to a manual EFT out of habit.
- Test it. Send yourself a small invoice and pay it, so you know exactly what your customers see.
- You never touch card details. Payments run through a PCI-compliant gateway.