Payment Methods

Explore all supported payment methods in Nomba Checkout

Nomba Checkout supports multiple ways for your customers to complete payments.
Each method is secure, reliable, and designed to give you flexibility when accepting payments.

Nomba QR

Customers can scan a QR code to complete payments instantly.
Instant settlement

Bank Transfer

Customers can pay directly from their bank account.
Instant settlement
Supports recurring billing

Buy Now, Pay Later

Customers split their payment into installments.
Useful for larger purchases or flexible payment plans.

Card Payments

Accept local and international cards, including Apple Pay where supported.
Can be combined with tokenization for recurring subscriptions.

Mobile Money

Accept DRC mobile money payments from supported networks such as M-Pesa, Airtel Money, and Orange Money.

USSD

Customers pay via USSD short codes provided by their bank.
A reliable method for users without access to cards or internet banking.

Pay by Bank

UK and European customers pay directly from their banking app.
No card details required.

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Nomba QR

QR codes generated at checkout allow customers to scan and pay instantly.
This method supports instant settlement and can also be used for recurring payments.

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Bank Transfer

Customers can complete transactions by transferring funds directly into your Nomba account.
Funds are settled instantly, and transfers can also support recurring setups.

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Buy Now, Pay Later

Enable flexible payments by allowing customers to split the total amount into scheduled installments.
This improves affordability and increases conversion for high-value purchases.

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Card Payments

Checkout supports different card experiences depending on your account, currency, and region:

Method	Description
Card	Mastercard, Visa, and Verve debit/credit cards
International Card	Cross-border card acceptance for supported foreign-currency checkout flows
Apple Pay	Apple Pay on supported Apple devices

For recurring or subscription billing, you can enable card tokenization where applicable.

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Mobile Money

Mobile Money is available for supported DRC checkout flows.
Use it to collect payments from customers on supported networks such as M-Pesa, Airtel Money, and Orange Money.

For DRC checkout:

Method	Description
Mobile Money	Customer approves payment from a supported mobile money wallet in both USD and CDF collections
Apple Pay	Available for supported DRC USD checkout experiences
International Card	Available for supported DRC USD checkout experiences

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USSD

Offer customers the option to pay using their bank’s USSD short code.
This method works on any mobile device and does not require internet access.

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Pay by Bank

Pay by Bank lets customers with supported UK and European bank accounts pay you directly from their banking app. No card details are entered at checkout.

The experience differs by device:

Device	Customer experience
Desktop	The customer scans a QR code at checkout to continue on their phone, or selects their bank and completes it in the browser
Mobile	The customer selects their bank and is taken straight into the banking app to complete the payment

Once complete, the customer returns to checkout with a confirmation and the payment is initiated immediately.

Supported institutions include Barclays, HSBC, Revolut, Monzo, Lloyds, and other participating UK and European banks.

Availability

Condition	Detail
Customer bank account	UK and European bank accounts at participating institutions
Currency	The customer pays in GBP or EUR
Merchant account	Available on supported foreign-currency checkout flows. Contact support to enable it on your account

Pay by Bank is not a Nigerian local payment method. A Nigerian NGN-only checkout flow will not show it, and it is not a substitute for Bank Transfer, which settles into a dynamically generated Nigerian account number.

Requesting it at checkout

In the checkout order request, Pay by Bank is represented by the allowedPaymentMethods value Intl Transfer:

{
  "order": {
    "orderReference": "pay-by-bank-order-001",
    "callbackUrl": "https://merchant.example.com/callback",
    "customerEmail": "[e-mail]",
    "amount": "45.00",
    "currency": "GBP",
    "allowedPaymentMethods": ["Intl Transfer"]
  }
}

If allowedPaymentMethods is omitted, Pay by Bank appears automatically on any checkout where your account and the order currency support it.

Settlement and recurring

• Settlement — funds settle into your Nomba GBP or EUR balance for the currency the customer paid in.
• Recurring — not supported. Pay by Bank is a one-time payment method, and each payment must be authorised by the customer in their banking app. For recurring or subscription billing, use Card Payments with tokenization.

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