How Payment Works on Chapa?

Chapa is an online payment gateway that enables businesses in Ethiopia to accept digital payments from anyone and anywhere. 

Chapa offers services of online payment collection both for techies and non-techies.

Techies: Chapa provides a set of APIs and tools that enable developers to integrate payment functionality into their websites or applications.

Non-techies: Chapa also offers a payment collection feature for non-techies through its dashboard for sending invoices, creating a donation link, events, etc. 

Chapa handles the complexities of payment processing, including security, compliance, and bank interactions, so that businesses can focus on their core operations.

 

Here's a simplified overview of how Chapa works:

Integration: Developers integrate Chapa's API into their website or mobile application.

Payment Collection: Customers provide their payment information, such as phone number & debit/credit card details, on the merchant's website or application.

Tokenization: Chapa securely collects and tokenizes the payment information.

Authorization: Chapa sends the payment details to the customer's bank or digital-wallet for authorization.

Transaction Processing: If the payment is authorized, Chapa initiates the transfer of funds from the customer's bank/digital-wallet account to the merchant's bank account.

Confirmation: Chapa provides confirmation of the successful transaction to both the customer and the merchant.

Reporting and Analytics: Chapa provides businesses with real-time access to transaction data, comprehensive reporting, and analytics to track sales, revenue, customer behavior, and more.

 

When a customer makes a payment on Chapa, the following steps occur:

The customer enters their payment information, such as their credit card details, phone number for digital wallet payments, and account number for banks.

Chapa securely transmits the customer's payment information to the merchant's bank.

The customer will get approved or declined after confirming the balance on the customer account is enough to cover the payment.

If the payment is approved, the funds are deposited to the merchant.

 

Payment Methods

Chapa accepts a variety of payment methods, including:

Digital wallets: Telebirr, CBE Birr, Coop-Ebirr, Wegagen HelloCash, Enat Bank Wallet

Credit and Debit cards: Bank of Abyssinia, Visa, Mastercard, Paypal, Diner Club, American Express, JCB, etc.  

 

Sign up for a Chapa merchant account today and start accepting payments! Start Now Or Contact Us