A Guide to Payment Methods: Connecting Stripe & Using...
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Gettting Started

9
  • Retail Management System: A Shopkeeper’s Guide
  • Creating Your Ficos Account
  • Complete Store Profile
  • Setup Product Categories: A Guide for Store Owners
  • How to Set Up Your Products on Ficos
  • How to Create a New Sales Order in Ficos: A Step-by-Step Guide for Store Owners
  • How to Add an Expense: A Simple Guide for Shopkeepers
  • How to Create a Purchase Order in Ficos: A Shopkeeper’s Guide
  • How to Add a Refund in Ficos: A Step-by-Step Guide for Store Owners

Manage Inventory

13
  • Effortless Stock Management Explained for Retail Owners
  • Setup Product Categories: A Guide for Store Owners
  • How to Set Up Your Products on Ficos
  • Import Products: A Step-by-Step Guide for Shopkeepers
  • Printing Product Labels: A Shopkeeper’s Guide to Efficient Inventory Management
  • Monitoring Stock Changes: A Guide for Retailers
  • Manually Adjust Stock: A Guide for Shopkeepers
  • Adjust Product Price: A Simple Guide for Store Owners
  • Exporting Products or Inventory: A Guide for Shopkeepers
  • Mastering Product Categories: A Guide for Store Owners
  • Editing Product Details: A Step-by-Step Guide for Store Owners
  • Disabling a Product: A Step-by-Step Guide for Shopkeepers
  • Mastering Demand Forecasting with Ficos: A Practical Guide for Shopkeepers

Manage Sales Orders

9
  • Retail Sales Order Processing: A Complete Guide for Store Owners
  • How to Create a New Sales Order in Ficos: A Step-by-Step Guide for Store Owners
  • Adding Payment to Sales Orders: A Simple Guide for Store Owners
  • Start Taking Card Payments in Minutes: A Guide to Ficos Retail & Stripe
  • How Shop Owners Can Easily Cancel Sales Orders Step by Step
  • How to Print Sales Order/Invoice in Ficos for Shop Owners
  • How to Print Payment Receipt: A Guide for Shopkeepers
  • How to Share a Sales Order Invoice: A Guide for Shopkeepers
  • How to Export Sales Orders in Ficos: A Step-by-Step Guide for Store Owners

Printing & Barcode Scanning

6
  • Barcode Scanning in Ficos: Simplify Your Retail Operations
  • How to Set Up a Bluetooth Printer in Ficos: A Complete Guide
  • How to Print Sales Order/Invoice in Ficos for Shop Owners
  • How to Print Payment Receipt: A Guide for Shopkeepers
  • How to Print Expense Orders in Ficos: A Guide for Store Owners
  • How to Print a Refund/Return Order in Ficos: A Guide for Shopkeepers

Expenses

8
  • Expense Management Features: Simplify Financial Tracking with Ficos
  • How to Set Up Expense Categories: A Guide for Store Owners
  • How to Add an Expense: A Simple Guide for Shopkeepers
  • How to Attach Expense Receipts to Expense Orders
  • How to Cancel an Expense in Ficos: Simplify Your Financial Management
  • How to Print Expense Orders in Ficos: A Guide for Store Owners
  • How to Share an Expense in Ficos
  • How to Export Expense Orders: A Guide for Shopkeepers

Refunds

7
  • Introduction to Refunds in Ficos: Streamline Your Retail Processes
  • How to Add a Refund in Ficos: A Step-by-Step Guide for Store Owners
  • How to View a Customer’s Refund History in Ficos
  • How to Cancel a Refund in Ficos: A Step-by-Step Guide
  • How to Print a Refund/Return Order in Ficos: A Guide for Shopkeepers
  • How to Share a Refund Order in Ficos
  • How to Export Refund Orders: A Guide for Store Owners

Customer Management

13
  • Introduction to Customer Management: Elevate Your Retail Game
  • How to Add a Customer: A Simple Guide for Store Owners
  • Customer Loyalty Program: Rewarding Your Most Valued Shoppers
  • Customer analysis tool for small retail businesses
  • How to View a Customer’s Purchase History in Ficos
  • How to Export a Customer’s Sales Orders
  • How to View a Customer’s Refund History in Ficos
  • How to Export a Customer’s Refund History in Ficos
  • How to View and Export Debtors in Ficos
  • How to Bulk Import Customers: Save Time and Stay Organized
  • How to Export All Customers
  • How to Edit a Customer’s Details in Ficos
  • How to Disable a Customer in Ficos: Keep Your Database Clean and Organized

Suppliers

8
  • Best Practices for Supplier Management in Small Retail Stores
  • Step-by-Step Guide for Shopkeepers to Add Suppliers in Ficos
  • How to Edit and Disable Suppliers in Ficos: Simple Steps for Retailers
  • How Store Owners Can Track and Export Suppliers Owed for Timely Payments
  • How to Manage and Track Purchase Orders from a Supplier
  • How to solve record-keeping challenges by Exporting a supplier orders
  • How Store Owners Can Overcome Manual Data Entry with Bulk Supplier Import
  • How Store Owners Can Export Suppliers for Better Audit and Compliance

Purchase Orders

6
  • How to Create a Purchase Order in Ficos: A Shopkeeper’s Guide
  • Add Payment and Attach Supplier Receipt to Purchase Orders
  • How to Check-in Purchase Order Items in Ficos: A Shopkeeper’s Guide
  • How to Manage and Track Purchase Orders from a Supplier
  • How to Cancel a Purchase Order in Ficos: A Shopkeeper’s Guide
  • How to Print, Export, and Share Purchase Orders in Ficos: A Complete Guide

Reports

23
  • Customer Sales Report for retail store owners: Track Sales, Improve Cash Flow, and Manage Debts
  • A Simple Guide to Financial Overview Reports for Shopkeepers
  • Understanding Your Profit and Loss Report: A Simple Guide for Shopkeepers
  • Understanding Your Expense Summary Report
  • Expense Trends Report: Simplifying Financial Planning for Storekeepers
  • Understanding Your Expense Audit Report: A Simple Guide for Shopkeepers
  • Understanding Your Tax Summary Report: A Simple Guide for Shopkeepers
  • Understanding Your Detailed Tax Report: A Simple Guide for Shopkeepers
  • Average Order Value Explained: Insights for Retailers to Increase Revenue
  • Retail Sales by Staff: A Beginner’s Guide to Tracking and Improving Team Performance
  • Understanding the Retail Sales by Product Report: A Comprehensive Guide for Shopkeepers
  • Understanding Sales by Category: Essential Insights for Retail Business Owners
  • Interpreting Stock Alerts: A Step-by-Step Guide for Retail Success
  • Spotting Inventory and Price Anomalies – A Store Owner’s Guide
  • Product Sell-Through Rates Explained: Helping Store Owners Make Better Decisions
  • Prevent Overstocking and Waste: The ABC Analysis Solution
  • How the Percent of Inventory Sold Report Helps Retail Store Owners Track Stock
  • How the Days of Inventory Remaining Report Helps Shopkeepers Balance Stock Levels
  • How the Ficos Inventory Balance Report Empowers Retail Success
  • Track Inventory Worth with the Inventory Value Report: A Shopkeeper’s Guide
  • Customer Aging Report for Store Owners: How to Spot and Solve Overdue Payment Problems
  • Understand New vs. Returning Customers: A Guide for Shopkeepers
  • Supplier Performance Report: Solve Delivery Delays and Payment Issues for Retailers

Store Insights

15
  • Mastering Your Spending: Understanding High Expense Alerts
  • How the Store Insights Welcome Module Helps You Stay Ahead in Retail Management
  • Understanding the Financial Overview Dashboard in Store Insights
  • Unusual Vendor Alerts: Insights for Smarter Supplier Payments
  • Outstanding Debts Alert: Managing Customer Payments with Confidence
  • Why Top Sellers Store Insights Matter: A Comprehensive Guide for Shopkeepers
  • Mastering Sales Trends: Essential Store Insights Every Retailer Needs
  • Why Slow-Moving Products Insights Matter: A Comprehensive Guide for Shopkeepers
  • Understanding Average Order Value Store Insights: A Guide for Shopkeepers
  • Top Customers Store Insights: Understanding and Leveraging Your Best Buyers
  • High-Value Customer Inactivity Insight
  • Inventory Balance Store Insight: Optimize Stock for Maximum Profitability
  • Top Staff Performance Store Insight: A Store Owner’s Guide
  • Unusual Discount Store Insight: Detecting and Managing Discount Anomalies
  • How Peak Periods Store Insight Helps Shopkeepers Optimize Sales and Staffing

Staff Management

5
  • How to Add a Staff Member to Your Store in Ficos
  • How to Edit a Staff Profile in Ficos
  • How to Modify Staff Permissions in Ficos: A Guide for Store Owners
  • How to Disable a Staff Member in Ficos
  • Staff Roles & Permissions Reference: A Practical Guide for Shopkeepers

Online Store

4
  • How to Set Up Your Ficos Online Store & Delivery
  • Preparing Your Products for the Online Store: A Complete Guide
  • Customizing Your Homepage: A Guide to the Homepage Editor
  • A Guide to Payment Methods: Connecting Stripe & Using Cash on Delivery
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A Guide to Payment Methods: Connecting Stripe & Using Cash on Delivery

Hey Ficos Merchants! A customer has filled their cart on your new online store and is ready to check out. This is the most critical moment in their journey. A smooth and trustworthy payment process leads to a sale, while a confusing one leads to an abandoned cart.

 

This guide will walk you through the two powerful payment methods you can offer on your Ficos Online Store: secure online card payments with Stripe, and the flexible Cash on Delivery (Order Inquiry) system.

 

Why Choosing the Right Payment Methods Matters #

Offering the right mix of payment options is essential for building a successful online store.

  • Maximize Conversion with Stripe: Many customers expect to pay instantly and securely with their credit or debit card. Offering Stripe payments reduces friction, builds trust, and captures sales immediately.
  • Increase Flexibility with Cash on Delivery: In many markets, customers prefer to pay with cash, mobile money, or bank transfers. The “Cash on Delivery” option allows you to secure the order first and arrange payment directly with the customer.
  • Serve Every Customer: By offering both methods, you ensure you can cater to all customer preferences, whether they prefer the convenience of a card or the flexibility of manual payment.

 

A Closer Look at Your Online Checkout Options #

Ficos provides two distinct checkout experiences for your customers. You can enable one or both.

    • Stripe (Pay with Card):
      • What it is: A fully integrated, secure payment gateway for accepting credit and debit card payments directly on your website.
      • How it works: The customer enters their card details on a secure form during checkout, the payment is processed instantly, and the order is confirmed automatically.

 

  • Cash on Delivery (Order Inquiry System):
    • What it is: This is more than just cash. It’s a flexible system that allows a customer to place an order without making an immediate payment.
    • How it works: When a customer chooses this option, the order is created in your Ficos dashboard with a “Pending” status, and a chat conversation is automatically started. You can then use the chat to arrange payment via cash, mobile money, bank transfer, or any other method you prefer. Once you receive payment, you manually confirm the order.

 

Step 1: Connecting Stripe for Instant Payments #

The great news is that your Stripe account is unified across the entire Ficos platform.

    • If you have already set up Stripe for your in-store Ficos POS, you are done! Your online store will automatically use your existing connection to accept online payments. No further action is needed.

 

  • If you are new to Stripe, the setup process is simple and takes just a few minutes. You will need to provide your business and bank account details on a secure form hosted by Stripe. We have a detailed, step-by-step guide that walks you through this entire process.

 

For a complete walkthrough on how to create and connect your Stripe account, please read our guide: A Guide to Ficos Retail & Stripe.

 

Step 2: Enabling Cash on Delivery (Order Inquiry) #

Activating the “Cash on Delivery” option is as simple as flipping a switch.

    1. Go to Online Store Settings:
      • Navigate to your Online Store Dashboard and tap on Online Store Settings.

 

    1. Find the Payments Section:
      • Scroll down to the “Checkout & Payments” card.

 

  1. Enable the Switch:
    • Tap the switch for “Accept Cash on Delivery” to turn it on.
    • Your online store will now show this as a payment option during checkout.

 

What Your Customer Sees at Checkout #

Based on your settings, your customer will have a clear choice on the final step of checkout.

 

If You Enable… Customer Checkout Experience
Only Stripe The customer will see only the “Pay with Card” option and must complete payment to place the order.
Only Cash on Delivery The customer will see only the “Pay Later” / “Order Inquiry” option. They can place the order without payment, and you will coordinate with them via chat.
Both Stripe and COD The customer will be presented with a choice between “Pay with Card” and “Pay Later,” allowing them to select the method that works best for them.

 

 

Conclusion #

 

By offering both secure card payments through Stripe and the flexible “Cash on Delivery” system, you create a powerful and inclusive checkout experience for all your customers. This flexibility is key to maximizing your online sales and growing your business. For more helpful tips, visit the Ficos Documentation. Happy selling!

Frequently Asked Questions #


Do I need a separate Stripe account for my online store? #

No. Ficos uses a unified Stripe connection. The same account you set up for your in-store POS will automatically work for your online store. You only need to set it up once.


What happens when a customer chooses 'Cash on Delivery'? #

The system creates an “Order Inquiry” in your Online Store Dashboard. It will have a “Pending” status, and a chat thread will automatically be created between you and the customer. You must use this chat to arrange payment and then manually confirm the order once you are ready.


Can I offer only Stripe, or only Cash on Delivery? #

Yes, you have full control. In your Online Store Settings, under the “Checkout & Payments” card, you can enable or disable the switches for Stripe (via the Payment Providers screen) and “Accept Cash on Delivery” independently to offer the exact checkout experience you want.


Are the Stripe fees different for online payments versus in-store payments? #

Stripe’s fees can vary based on whether a card is physically present or not (“card-not-present” online transactions sometimes have different rates). Ficos does not add any extra fees. For the most accurate pricing, please refer to the official Stripe website for your country.


How do I confirm a 'Cash on Delivery' order after I receive payment? #

Once you have arranged payment with the customer, find the order in your Online Store Dashboard (or under “Manage Web Orders”). Open the order details and tap the “Confirm Order” button. This will move it from a pending inquiry to a confirmed sale, deduct the stock from your inventory, and move it into the fulfillment workflow.



I'm Jordah, and I built this to make selling simple #

A seamless checkout is the final, crucial step in making a sale. That’s why I wanted to give you the flexibility to serve every type of customer.
The Payment Method options in Ficos are designed to help you build trust, reduce abandoned carts, and ultimately increase your revenue. Let Ficos support you on your journey to success.

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Updated on October 3, 2025
Customizing Your Homepage: A Guide to the Homepage Editor
Table of Contents
  • Why Choosing the Right Payment Methods Matters
  • A Closer Look at Your Online Checkout Options
  • Step 1: Connecting Stripe for Instant Payments
  • Step 2: Enabling Cash on Delivery (Order Inquiry)
  • What Your Customer Sees at Checkout
  • Conclusion

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