> ## Documentation Index
> Fetch the complete documentation index at: https://docs.afarapay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment methods

> The ways your customers can pay you: card, bank transfer, USSD and QR.

When a customer opens the Afara widget, they see the payment methods that are switched on for your account. They choose the one that suits them.

> [card] Card
>
> Debit and credit cards issued under **Visa**, **Mastercard** and **Verve**.

> [card] Bank transfer
>
> The customer sends money to a one-time account number shown in the widget.

> [card] USSD
>
> The customer dials a short code on their phone. For Nigerian bank customers.

> [card] QR code
>
> The customer scans a code with a supported banking app.

## Card

The customer enters their card details inside the secure Afara window and confirms the payment. Depending on the card and the bank, they confirm with their **card PIN**, a **one-time password (OTP)** sent by their bank, or **3-D Secure** authorisation.

> [!NOTE]
>
> Card details are entered in the Afara widget, never on your website, so you do not handle sensitive card data yourself. We strongly advise against collecting card details on your own pages.

## Bank transfer

The widget shows a **temporary account number**, the account name and the bank. The customer transfers the exact amount from their banking app. Afara matches the transfer to the order and confirms it automatically.

* Each account number is created for one payment and **expires after a short time**.
* The customer should send the **exact amount** shown, including any fee.

## USSD

The customer picks their bank in the widget and receives a USSD code that starts with `*` and ends with `#`. They dial it on their phone, enter their PIN to approve, and the payment is confirmed. USSD is available for customers of supported Nigerian banks.

## QR code

The widget shows a QR code. The customer scans it with a supported mobile banking app, approves the payment in the app, and the payment is confirmed.

## Which methods can I use?

The methods available to you depend on your account set-up. Your dashboard splits your collections by method (card, QR, transfer and USSD), so you can see how your customers prefer to pay. If a method you need is missing, contact support.

## Who pays the fee?

In **Settings > Transaction Fee & Settlements** you choose whether **customers pay the transaction fee** or **you are charged** for it. The widget shows the customer the total they will pay. Learn more in [Fees and settlements](https://docs.afarapay.com/guides/fees-and-settlements.md).

> [card] [Test every method](https://docs.afarapay.com/guides/testing.md)
>
> See which test cards and scenarios you can try.


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