Accepting payments on your website: acquiring, instalments and cash on delivery
Which payment methods an online store needs, how to connect monobank, LiqPay, WayForPay or NovaPay, why instalments matter and how not to lose buyers at payment.
Команда TRUNLY2 min read
A buyer who reaches checkout has already decided to buy. Losing them at payment is the most painful loss. Here’s which payment methods a Ukrainian online store needs, how to connect acquiring and why instalments help even for inexpensive products.
Which payment methods to offer
| Method | Who it suits | What to consider |
|---|---|---|
| Card online, Apple Pay, Google Pay | most buyers | requires acquiring and a PRRO |
| Instalments | products from a few thousand hryvnias | the bank’s fee is higher than for a regular payment |
| Cash on delivery | people who don’t trust prepayment | refused parcels, money arrives later |
| Transfer to an IBAN | companies and sole proprietors | inconvenient for the buyer, no PRRO needed |
Online acquiring: monobank, LiqPay, WayForPay, NovaPay
All four services accept cards, Apple Pay and Google Pay. Choose by fees, settlement time and how convenient the dashboard is. Compare current rates on their websites: they change and depend on turnover.
How it connects in the store: you sign a contract with the service, get the keys (merchant ID and secret key) and paste them into the store’s “Modules”. The payment status updates by itself — the order becomes paid without checking bank statements by hand.
Instalments
monobank “Pay in parts” and PrivatBank “Instalments” are the most popular options in Ukraine. The buyer sees “from N UAH per month” on the product page, and a UAH 6,000 coat stops looking expensive. The store receives the full amount (minus the bank fee), and the bank handles the instalment plan with the buyer.
In TRUNLY, instalments are available from the very first plan — you only need a contract with the bank.
Payment links for phone orders
Some orders come in by phone or messenger. Create the order manually and send the buyer a payment link — they pay by card, and the order is marked paid automatically.
Don’t forget receipts
Card payment on the site via a payment service requires a fiscal receipt. Connect Checkbox or Vchasno.Kasa and a receipt is emailed to the buyer after every payment. Details are in “Software cash registers (PRRO) for an online store”.
How not to lose buyers at payment
- show payment method logos right on the product page;
- don’t force registration before payment — allow guest checkout;
- after a failed payment, offer to retry or choose another method;
- remind people about unfinished orders — abandoned cart emails with a promo code bring some buyers back (how to set it up).
Everything about payments on the platform is on the “Online payments for an online store” page.
Questions and answers
Which acquiring should an online store choose?
monobank, LiqPay, WayForPay and NovaPay accept cards, Apple Pay and Google Pay. Compare current fees and settlement times on their websites.
Is it worth adding instalments?
For products over a few thousand hryvnias — yes: a monthly payment on the product page removes the price barrier.
Does the platform take a fee from payments?
TRUNLY doesn’t. You pay the acquiring fee to your bank or payment service.
