# Payment Methods

{% embed url="<https://youtu.be/Lp-5KRA2nnk?feature=shared>" %}

In the **Payment Methods** section, you can configure the various native payment gateways of MasterStudy for your online platform. These payment methods allow you to accept payments from users for courses, products, or services as a **one-time payment.**&#x20;

{% hint style="info" %}
**One-time payment** means that the student pays for the course one time only and gets **full** access to its content forever. Moreover, courses can be sold with [subscriptions](/masterstudy-lms/lms-pro-addons/subscriptions.md) and [points](/masterstudy-lms/lms-pro-addons/point-system.md) as well.

***

If [**WooCommerce Checkout**](/masterstudy-lms/woocommerce/woocommerce-integration.md) is being used to sell courses, these payment methods (native payment methods of MasterStudy) will be **deactivated automatically.** You can manage the WooCommerce Checkout in **MS LMS > Settings > eCommerce > Checkout** tab.
{% endhint %}

{% content-ref url="/pages/-Mdexo6A-\_DgBopwJ7SO" %}
[Installation and Settings](/masterstudy-lms/woocommerce/woocommerce-integration.md)
{% endcontent-ref %}

Here's an overview of the available payment options and how to set them up. To access the tab, follow **MS LMS > Settings > eCommerce > Payment methods:**

<figure><img src="/files/WMcyUGSWxI13ragQ2WuN" alt=""><figcaption></figcaption></figure>

{% hint style="info" %}
In the [**Offline Payment**](#offline-payment) and [**Wire Transfer**](#wire-transfer) options, when each order is placed, the admin should[ grant access](/masterstudy-lms/lms-course-features/orders.md#how-to-update-order-status) to the course to students manually. In [**PayPal**](#paypal)**,** [**Stripe**](#stripe), [**Mollie**](#mollie), and [**Paystack**](#paystack), it has been designed to change the order status (grant access to the course) **automatically**.

***

However, we **highly recommend** checking **all of your payment methods** and **order statuses regularly.**
{% endhint %}

To get more info about orders, refer to this documentation:

{% content-ref url="/pages/-Mdercuklo\_mCRhfFIQx" %}
[Orders](/masterstudy-lms/lms-course-features/orders.md)
{% endcontent-ref %}

## How to Set up Payment Methods?

In Payment Methods, you can set up different payment gateways. Among the options available are:

<table data-card-size="large" data-view="cards"><thead><tr><th align="center"></th><th data-hidden data-card-target data-type="content-ref"></th></tr></thead><tbody><tr><td align="center"><i class="fa-stripe-s">:stripe-s:</i> <strong>Stripe</strong></td><td><a href="/pages/-MdehCmnS48pym7Nyga0#stripe">/pages/-MdehCmnS48pym7Nyga0#stripe</a></td></tr><tr><td align="center"><i class="fa-paypal">:paypal:</i> <strong>PayPal</strong></td><td><a href="/pages/-MdehCmnS48pym7Nyga0#paypal">/pages/-MdehCmnS48pym7Nyga0#paypal</a></td></tr><tr><td align="center"><i class="fa-m">:m:</i> <strong>Mollie</strong></td><td><a href="/pages/-MdehCmnS48pym7Nyga0#mollie">/pages/-MdehCmnS48pym7Nyga0#mollie</a></td></tr><tr><td align="center"> <i class="fa-stack-exchange">:stack-exchange:</i> <strong>Paystack</strong></td><td><a href="/pages/-MdehCmnS48pym7Nyga0#paystack">/pages/-MdehCmnS48pym7Nyga0#paystack</a></td></tr><tr><td align="center"><i class="fa-money-bills">:money-bills:</i> <strong>Wire Transfer</strong></td><td><a href="/pages/-MdehCmnS48pym7Nyga0#wire-transfer">/pages/-MdehCmnS48pym7Nyga0#wire-transfer</a></td></tr><tr><td align="center"><i class="fa-building-columns">:building-columns:</i> <strong>Offline Payment</strong></td><td><a href="/pages/-MdehCmnS48pym7Nyga0#offline-payment">/pages/-MdehCmnS48pym7Nyga0#offline-payment</a></td></tr></tbody></table>

To enable the needed option simply enable the toggle. By clicking the <i class="fa-circle-caret-down">:circle-caret-down:</i> icon, you get the additional settings to provide the required API keys to process the payments.

<figure><img src="/files/AIU44tFa6KfDP14mYNLO" alt=""><figcaption></figcaption></figure>

### Offline Payment

Offline payment is designed for manual transactions where students pay outside the platform, such as through cash in your office, checks, or any other method that is not automatic.

<figure><img src="/files/6aaZQsqS3p1ifpXzCDcj" alt=""><figcaption></figcaption></figure>

There is only one field in the settings, which is the **offline payment processing** text. Use this field to provide **clear instructions** on how to make offline payments. **For instance:**

> **"**&#x50;lease visit our office to pay via cash or check, or deposit the course fee to the specified bank account. Once the payment is confirmed, your course access will be activated.**"**

This is how it will look on the [**Checkout Page:**](/masterstudy-lms/lms-settings/lms-pages.md#checkout)

<figure><img src="/files/jluNG3EKp1zlYeQAI2FD" alt=""><figcaption></figcaption></figure>

After choosing the **offline payment** and clicking the **purchase button**, a student will have a **pending status** in the order:

<figure><img src="/files/aXMEJWEwJFc5qMsVF9g9" alt=""><figcaption></figcaption></figure>

{% hint style="warning" %}
After **receiving the payment**, you have to [**grant access**](/masterstudy-lms/lms-course-features/orders.md#how-to-update-order-status) to the respective students **manually.**
{% endhint %}

### Wire Transfer

Wire transfer is a direct payment method where students send payments from their bank account to your bank account.

<figure><img src="/files/mx3klHJEZOYDhpZgqss7" alt=""><figcaption></figcaption></figure>

Here are the settings that need to be filled in accordingly:

* **Account Number -** Provide the complete bank account number where the payments will be deposited.
* **Account Holder Name -** Specify the name of the account holder as it appears on the bank account.
* **Bank Name -** Mention the name of your bank.
* **Swift/BIC Code -** Include the SWIFT/BIC code for international payments, ensuring smooth cross-border transactions.
* **Checkout Description -** Add details on the payment process, such as:

> "Transfer the course fee to the account details provided. Include your name and course ID in the transfer remarks for identification. Email your transfer receipt to <support@example.com>."

This is how our setup will look on the Checkout page if a student wants to buy a course:

<figure><img src="/files/lZbjeseFj1ywbpZAjLcC" alt=""><figcaption></figcaption></figure>

{% hint style="warning" %}
Like [**Offline Payment**](#offline-payment), after **receiving the funds**, you have to [**grant access**](/masterstudy-lms/lms-course-features/orders.md#how-to-update-order-status) to the respective students **manually.** Until the confirmation, the order will be in **pending** status.
{% endhint %}

### PayPal

**PayPal** is a globally recognized payment gateway that allows students to pay using their PayPal balance, credit/debit cards, or linked bank accounts.

{% hint style="info" %}
You have to create a [**special app**](#how-to-setup-paypal-app) in your PayPal account to receive payment through the platform. We **don't need** a Client ID or Secret key, we just need to get a proper **PayPal Business Email.**&#x20;
{% endhint %}

<figure><img src="/files/NbCsmrQBkk0BlMKiTKLL" alt=""><figcaption></figcaption></figure>

Here are the settings that need to be filled in accordingly:

* **PayPal Business Email -** enter the email address linked to your PayPal business account. This is where payments will be directed. Check [**this out**](#how-to-setup-paypal-app) to obtain it.&#x20;
* **Payment Mode -** choose one of the **Live** or **Sandbox** modes:
  * **Sandbox** - choose sandbox mode to test PayPal functionality in a simulated environment without processing real transactions.
  * **Live** - choose the Live mode to start accepting real money.
* **Checkout Description -** provide instructions, such as:

> "You will be redirected to PayPal to complete the transaction."

#### How to Setup PayPal App?

{% hint style="info" %}
We will show the guide in **Sandbox (test) mode**. After configuring settings, make sure to change the mode to **Live** to start receiving real mone&#x79;**.**
{% endhint %}

1. Go to <https://www.paypal.com/> and sign in to your **PayPal business account**, then move to the developers' dashboard:

<figure><img src="/files/FlsX3xT8rEBnYyXl9puC" alt=""><figcaption></figcaption></figure>

2. Move to the **Apps & Credentials** tab:

<figure><img src="/files/H24bRukw9DqvIk8mDPv6" alt=""><figcaption></figcaption></figure>

3. To create an app, click on the **Create App** button:

<figure><img src="/files/G5WXLa3pq8t8drYSUSw8" alt=""><figcaption></figcaption></figure>

4. On the opened pop-up, name your app, indicate the app type, and create it:

<figure><img src="/files/OEPH1isTsFkpTTs0I4kI" alt=""><figcaption></figcaption></figure>

5. On the opened page, you can see your email associated with the app:

<figure><img src="/files/Iv2UFDmusy9VEvHRQuiy" alt=""><figcaption></figcaption></figure>

6. <mark style="color:blue;">Optional:</mark> If you want to change the email (rename), click on View Details:

<figure><img src="/files/4woJJGbdM487AsI8AkGW" alt=""><figcaption></figcaption></figure>

7. <mark style="color:blue;">Optional:</mark> Click on **Change Email:**

<figure><img src="/files/PWsdT4lrZ5siliuYK0XC" alt=""><figcaption></figcaption></figure>

8. <mark style="color:blue;">Optional:</mark> Write the new email and save the changes:

<figure><img src="/files/IGCcakr856k7o6PQz2HJ" alt=""><figcaption></figcaption></figure>

9. <mark style="color:blue;">Optional:</mark> You have successfully updated the email:

<figure><img src="/files/X7Ar3NkaLBdGHSxVat7a" alt=""><figcaption></figcaption></figure>

10. Paste the email in the designated area in the plugin settings and **Save Settings:**

<figure><img src="/files/1YiWb9CjG5bYdi7PDLHL" alt=""><figcaption></figcaption></figure>

11. After setting up everything and testing, you can change the mode to <mark style="color:purple;">**Live**</mark><mark style="color:purple;">:</mark>

<figure><img src="/files/FG9KmzdHXn9b7YhzKtzT" alt=""><figcaption></figcaption></figure>

On the [**checkout page**](/masterstudy-lms/lms-settings/lms-pages.md#checkout), after selecting PayPal as a payment method, students will be redirected to the PayPal page to complete the transaction:

<figure><img src="/files/nMu0fQTeObWtqARKfSI1" alt=""><figcaption></figcaption></figure>

### Stripe

Stripe is a highly secure and flexible payment gateway that supports credit and debit card payments. It offers seamless integration for global transactions.

<figure><img src="/files/AmkBtIIj2CgcsQD4bpYb" alt=""><figcaption></figcaption></figure>

* **Publishable Key -** [obtain this key](#how-to-obtain-stripe-api-credentials) from your Stripe account dashboard. It is used to identify your account for front-end transactions.
* **Secret Key -** provide [the secret key](#how-to-obtain-stripe-api-credentials) for secure communication with Stripe’s API.
* **Checkout Description -** you can provide any description to explain the payment method, such as:

> "Securely pay using your credit or debit card. We accept Visa, MasterCard, American Express, and more."

Here is how it will look on the checkout page:

<figure><img src="/files/OxkGsJqGEz0gEOYJeL8f" alt=""><figcaption></figcaption></figure>

#### How to Obtain Stripe API Credentials

{% hint style="info" %}
We will show the guide in **Sandbox (test) mode**. After configuring settings, make sure to change the mode to **Live** to start receiving real mone&#x79;**.**
{% endhint %}

1. Visit <https://dashboard.stripe.com/login> and sign in or register. Then choose the app and move to the Developers dashboard:

<figure><img src="/files/wQTtDrb7HG6WD949y8Dn" alt=""><figcaption></figcaption></figure>

2. Jump to the **API keys** tab, copy the **Publishable Key** and **Secret Key**, and paste them to their designated areas in the **MasterStudy Settings:**

<figure><img src="/files/jmQ6hyYqD5ihhwXJXx5n" alt=""><figcaption></figcaption></figure>

3. Here is the filled Stripe section in the Payment Methods tab:

<figure><img src="/files/EDPEuIqK9iIJ0IkHtMhH" alt=""><figcaption></figcaption></figure>

4. After testing your platform, you can switch to the **Live** mode to **accept real money**. In that case, Stripe should provide new API credentials:

<figure><img src="/files/3cP6PJpcKHTza1T5VpGb" alt=""><figcaption></figcaption></figure>

#### Webhook Signature Key for Subscriptions

For [recurring payments](/masterstudy-lms/lms-pro-addons/subscriptions.md), you must also provide the Webhook Signature key.&#x20;

{% stepper %}
{% step %}
To do it, search for `Create a webhook` from the search bar of [Stripe](https://dashboard.stripe.com/). Choose the one from the Workbench section as shown in the picture:

<figure><img src="/files/X8ZU0xpP35OxZ8HMaz7J" alt=""><figcaption></figcaption></figure>
{% endstep %}

{% step %}
Adjust the parameters as shown:

<figure><img src="/files/U71xjIfUNqCSDyoPI9lj" alt=""><figcaption></figcaption></figure>
{% endstep %}

{% step %}
Choose **Webhook Endpoint**:

<figure><img src="/files/lcaSRdQQQ4Y3EjAiH2N4" alt=""><figcaption></figcaption></figure>
{% endstep %}

{% step %}
Go back to plugin settings and copy the Webhookd Endpoint URL:

<figure><img src="/files/sguoKAh7GhGgAsIkOmgF" alt=""><figcaption></figcaption></figure>
{% endstep %}

{% step %}
Paste the URL to the designated area in Stripe:

<figure><img src="/files/T8LEouV0tguBzlLAmCow" alt=""><figcaption></figcaption></figure>
{% endstep %}

{% step %}
Copy the given **Secret** key:

<figure><img src="/files/UrWfw2JUDTrlhpG6neY7" alt=""><figcaption></figcaption></figure>
{% endstep %}

{% step %}
Paste it into the designated area and save the changes:

<figure><img src="/files/M7c4guUCgGfiYYZxIZVt" alt=""><figcaption></figcaption></figure>
{% endstep %}
{% endstepper %}

### Mollie

:star:**Pro Plus Feature**

[**Mollie**](https://my.mollie.com/) is a European financial technology company that provides online payment processing services for businesses. It enables merchants to accept a wide range of payment methods through a single, easy-to-integrate platform. The company has become one of Europe’s fastest-growing payment service providers, known for its developer-friendly APIs and transparent pricing.

<figure><img src="/files/wL8pa8bVKIsDm2yF814y" alt=""><figcaption></figcaption></figure>

#### How to Obtain Mollie API Credentials?

{% stepper %}
{% step %}
Visit <https://my.mollie.com/dashboard/signup> and use the registration form to create your Mollie account (those who have an active account can freely use their existing account):

<figure><img src="/files/A5FmVUGXL6imUjGpUMvA" alt=""><figcaption></figcaption></figure>
{% endstep %}

{% step %}
Choose the country that you have registered your business from the list:

<figure><img src="/files/Wdcpy2Kngrwdl4WaCXdJ" alt=""><figcaption></figcaption></figure>

{% hint style="info" %}
Mollie serves businesses registered within the European Economic Area (EEA), the United Kingdom, and Switzerland. [Learn More.](https://help.mollie.com/hc/en-us/articles/115002116105-Can-I-use-Mollie-s-services-in-my-country)
{% endhint %}
{% endstep %}

{% step %}
Enter your **Business Legal Name** in the designated field. If you did not find it on the list, click on the <kbd>Add Manually</kbd> button at the bottom of the page:

<figure><img src="/files/fiAduOIfjTKPHQ9NVUWJ" alt=""><figcaption></figcaption></figure>
{% endstep %}

{% step %}
Check the details of your business one more time and accept the Privacy Policy of Mollie:

<figure><img src="/files/7WaWXhiSI9hVBuImVUWZ" alt=""><figcaption></figcaption></figure>
{% endstep %}

{% step %} <mark style="color:$primary;">**Optional:**</mark> You may be asked by Mollie to complete additional questions/surveys for support and promotional activities. Fill them according to your needs; however, **it's completely skippable.**

<figure><img src="/files/BVXgM26l0fuY39xHquk0" alt=""><figcaption></figcaption></figure>
{% endstep %}

{% step %}
Our account is ready. Click the link to go to the dashboard:

<figure><img src="/files/xi50kc1vDhXRVcKLRgWX" alt=""><figcaption></figcaption></figure>
{% endstep %}

{% step %}
Now we have an account. But to receive funds and run transactions, you have to complete the remaining account setup, which can be tracked in the Onboarding Progress section of your dashboard. Without it, you can use this account for testing purposes only.

<figure><img src="/files/BhQoXTejDamEqa9RntPQ" alt=""><figcaption></figcaption></figure>

You can follow the Mollie documentation to get more info:

{% embed url="<https://docs.mollie.com/>" %}
{% endstep %}

{% step %}
To get the credentials, go to the **Developers** tab on the sidebar:

<figure><img src="/files/8UWJxBQGUhiMNTxneItk" alt=""><figcaption></figcaption></figure>
{% endstep %}

{% step %}
Under the **API Keys** tab, you will find the Live API key and Test API keys. We have to copy the **Live API Key** and paste it into the designated field in the MasterStudy plugin.

{% hint style="info" %}
**Live API key** can be obtained only if you complete your account setup. The test API key can only be used to test the transactions.
{% endhint %}

<figure><img src="/files/W3CgNieLOYUDIGnUHwPF" alt=""><figcaption></figcaption></figure>
{% endstep %}

{% step %}
Go to the **MasterStudy LMS > LMS Settings > eCommerce > Mollie** and paste the **Live API key** in the **API Key** field as shown:

<figure><img src="/files/nwy0ffrzkzbBWGfNJaJT" alt=""><figcaption></figcaption></figure>
{% endstep %}

{% step %}
On the same page, copy the **Webhook URL** for Mollie:

<figure><img src="/files/N9meqk5CIqAYa1azFjxV" alt=""><figcaption></figcaption></figure>
{% endstep %}

{% step %}
Go back to the Mollie dashboard and move the **Webhooks** tab to the developers tab, then click on the <kbd>Create Webhook</kbd>:

<figure><img src="/files/qySvc3C2RmIhr1xEf8Gx" alt=""><figcaption></figcaption></figure>
{% endstep %}

{% step %}
Paste the copied Webhook URL and adjust the other preferences as shown:

<figure><img src="/files/Piycl0XsAk9t5UXVnx4v" alt=""><figcaption></figcaption></figure>
{% endstep %}
{% endstepper %}

{% hint style="info" %}
Now you are ready to receive payments. We recommend testing transactions (buying a course, bundle, etc.) on your site with a test API key before going live.
{% endhint %}

### Paystack

:star:**Pro Plus Feature**

[Paystack](https://paystack.com/) is Africa-focused, and merchant onboarding is restricted to supported African countries/businesses.

<figure><img src="/files/vOswnMCSmivEDoMvm2fh" alt=""><figcaption></figcaption></figure>

#### How to Obtain Paystack API Credentials?

{% stepper %}
{% step %}
Visit <https://dashboard.paystack.com/#/signup> and use the registration form to create your Paystack account (those who have an active account can freely use their existing account):

<figure><img src="/files/mHycrY32Gwc5DkaPT4HZ" alt=""><figcaption></figcaption></figure>
{% endstep %}

{% step %}
After registration, you will have an account valid for testing purposes only. To receive the real funds, you must complete the rest of the account details under the Compliance tab:

<figure><img src="/files/fLtsUH6KhXfuVObQb0IC" alt=""><figcaption></figcaption></figure>
{% endstep %}

{% step %}
Follow **Settings > API Keys & Webhooks** to find your keys. Let's check in the Test Mode first. Copy the **Test Secret key** from here:

<figure><img src="/files/dWhPz04vRqsp8kYOlUaq" alt=""><figcaption></figcaption></figure>

{% hint style="info" %}
If you **complete the Compliance**, you will have your **Live API Keys** on this tab as well. You can freely use them on MasterStudy LMS instead of Test API Keys. [Learn More.](https://paystack.com/docs/)
{% endhint %}
{% endstep %}

{% step %}
On your WordPress dashboard, go to **MasterStudy LMS > Settings > eCommerce > Payment Methods > Paystack**, then paste the key into the designated field. At the same time, from here, copy the **Webhook URL** address:

<figure><img src="/files/dnNIhC6QpjLUq7VSWdZQ" alt=""><figcaption></figcaption></figure>
{% endstep %}

{% step %}
Go back to the Paystack dashboard, and paste the Webhook URL to the designated field. Save the changes:

<figure><img src="/files/MWfbeiLfBurYMWHkx2dh" alt=""><figcaption></figcaption></figure>
{% endstep %}
{% endstepper %}

That's all, you are done. Change the Test API Key to the Live API Key once you are ready to receive payment via Paystack on your website.&#x20;

***

## Example: How to Purchase a Course?

1. So, if you decide to buy the course, click on the get now button, and you will see the available methods to purchase the course:

<figure><img src="/files/2zqGNnMPm2CeetQe6V60" alt=""><figcaption></figcaption></figure>

2. We will choose the **One-time payment** option. After that, the course will be added to **the cart.** You can go there by clicking **Go to Cart** button:

<figure><img src="/files/21NYa2apU2n5tw1MkpQU" alt=""><figcaption></figcaption></figure>

3. There is an availability to add several courses to the cart. Review your order and choose the preferred [**payment method**](/masterstudy-lms/lms-settings/ecommerce/payment-methods.md), then proceed with the payment:

<figure><img src="/files/vw5Zz0PGYvbIgOsRWZLS" alt=""><figcaption></figcaption></figure>

3. After the successful payment, you will get the confirmation page with the order status:

<figure><img src="/files/Z1QPGgskK5mxlfPAJJe0" alt=""><figcaption></figcaption></figure>

To get more info about **orders** and how admin and instructors **manage** orders,  refer to his manual:

{% content-ref url="/pages/-Mdercuklo\_mCRhfFIQx" %}
[Orders](/masterstudy-lms/lms-course-features/orders.md)
{% endcontent-ref %}


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://docs.stylemixthemes.com/masterstudy-lms/lms-settings/ecommerce/payment-methods.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.