Ecommerce

Stanbic Bank's e-commerce gateway is a solution that allows businesses to accept online purchases from customers within Ghana and throughout the world. The gateway accepts physical cards (through the entry of card number, expiry date and CVV number). Virtual cards are also accepted on the platform.

All businesses who want to introduce online payments and those who would want to improve or grow their existing digital payment options. The solution is applicable to all businesses that have a digital presence through websites, social media and applications, including but not limited to Hotels, Retail, Courier, Hospitals, Taxis, Schools and Government Agencies.

Yes, indeed, whether you are a food distributing company or a fashion brand having a small-scale or a large-scale business an e-commerce store will help you grow business faster and reach more customers. Allowing multiple transactions to run at the same time on your websites without your customers having to wait.

This service is only open to businesses with a Stanbic Bank account to ensure smooth processing of transactions.

Once your account for the business is verified, Stanbic Bank will send a commercial agreement to you. You will review and agree to the terms and conditions and then sign to enable us to proceed with the integration process.

• Pay by Link: This feature allows business entities to email payment links to their customers. You can click on the payment link and complete the payment by entering your card details on a secured payment page. This feature makes it easy to manage invoices, send bills and quotes in seconds. You can also personalise each payment link sent via email.
• Invoicing (Pay-by-Link) via API: The first option from N-Genius Online APIs provides a simple way to automate invoice creation and mailing from your own systems, thereby avoiding the need to use the N-Genius Online portal interface every time. This method will be particularly relevant to customers who want to send invoices in bulk or have some other need to automate these payment types.
• Hosted Payment Page: This is a simple, secure and PCI DSS-compliant model. Offering easy-to-integrate, mobile-first, responsive payment pages, and a wide range of currencies and payment methods. You can accept payments from shoppers on the move, wherever they are through a hosted payment page (sometimes referred to as a Pay Page). This integration is by far the most common implementation method for small and medium-sized businesses the world over who wish to accept payments online.
• Direct API: The third option is lightweight but feature-rich JSON-based APIs, implemented through the RESTful standard, allowing easier integration and a faster time-to-live for your business. Sometimes a payment page integration just isn't enough and if you intend to use a Direct API integration model, make sure you consider PCI- DSS compliance to safely capture and transmit card details.

You can have a gateway for each of your online platforms.

Stanbic Bank charges a commission on the sales monthly for the business that is using the e-commerce gateway service.

Online payments are FREE for all customers (end users of the service) who are paying for goods or services on your website.

Yes, reports are available and training will be done to enable you to access it.

• Once all documentation has been processed
• Submit the filled forms to [email protected]
• Log-in details (which include the username and password) will be sent to the registered email address.

Yes, the e-commerce gateway will help increase sales. It enables local and international customers to make easy and seamless payments. 

If your online business performs well and you want to expand in the future, it can be done. The procedure depends on the platform you choose. As each different website type has its own capabilities and this is determined by the website package or developer you work with. The e-commerce gateway will be able to accept higher volumes of transactions to match your business needs.