Payments & Fees
Orbas Services offers multiple secure payment optionsâincluding cards, digital wallets, and regional gatewaysâso you can
pay the way that suits you best. This guide explains the methods we support, how fees are calculated, and what happens
before, during, and after checkout.
1. Supported Payment Methods
Global cards (Visa, Mastercard, Amex) via Stripe Checkout. Stripeâs payâasâyouâgo model keeps pricing transparent, with
a small percentage plus a flat fee per card transaction îciteîturn0search0î. UK interchange caps of 0.2â0.3 percent help
keep card fees low for domestic purchases îciteîturn0search4î.
PayPal. Perfect if you prefer paying from your PayPal balance or linked bank. PayPal applies a modest seller
feeâtypically 2Â percent on domestic payouts and 5Â percent (capped) on lowâvalue crossâborder
payments îciteîturn0search1îturn0search9î.
Paystack. Ideal for Nigeria, Ghana, South Africa, and Kenya. Fees start at 1.5âŻ% + âŚ100 for local transactions, capped
at âŚ2,000; international cards cost about 3.9âŻ% + âŚ100 îciteîturn0search2îturn0search6î.
bKash. A leading wallet in Bangladesh. bKash charges a small, merchantâside fee that may vary by agreement; the customer
pays no surcharge îciteîturn0search3îturn0search7î.
Flutterwave. Popular across Africa. Local fees average 1.4âŻ%â2âŻ% in NGN (capped), while international payments incur a
slightly higher percentage.
Razorpay. Recommended for Indian rupee payments and UPI. Standard card fees range from 0.4âŻ% (small debit) to 1.75âŻ%
(most cards); international cards average 3âŻ% îciteîturn1search1îturn1search5î.
Other regional gateways (CCAvenue, Instamojo, Iyzico, Midtrans, Mollie, PhonePe, SSLCommerz) are routed automatically
based on your currency and location. They follow comparable â1â3âŻ% + nominal flat feeâ structures in line with global
norms îciteîturn1search7î.
For cash bookings, select Pay in Cash at checkoutâyour provider will collect the amount in person. Cash bookings still
attract the same platform fee and must be marked âpaidâ inâapp to keep your warranty active.
2. Fee Breakdown at Checkout
Every Orbas Services invoice shows four figures:
- Service price. The amount set by your provider (e.g., ÂŁ135 for electrical wiring).
- Tax. VAT or regional sales tax is added where applicable.
- Platform fee. A small fee (usually under 12âŻ%) that funds marketplace support, insurance, and payment security.
- Paymentâgateway fee. Already embedded in the totalâwe negotiate wholesale rates across partners so you donât pay
extra at the point of sale. Typical merchant fees fall between 1.5âŻ% and 3.5âŻ% worldwide îciteîturn1search7î.
Example: ÂŁ135 service + ÂŁ27 VAT (20âŻ%) + ÂŁ15 platform fee = ÂŁ177 total. The gateway fee is deducted on our end; you see
only the grand total.
3. Security & Compliance
All card data is processed exclusively by PCIâDSS Level 1 providers such as Stripe and PayPal; Orbas never stores card
numbers on its own servers îciteîturn0search0î. Gateway traffic is encrypted endâtoâend using TLS 1.2+.
We also comply with regional mandates such as Strong Customer Authentication (PSD2) in Europe and RBI tokenisation in
India; additional 3âD Secure prompts may appear for highârisk transactions.
4. Refunds & Reversals
- Partial or full refunds are processed back to the original payment methodâStripe or PayPal refunds typically clear
in 5â10 business days, depending on your bankâs settlement window îciteîturn0search5î.
- Wallet and cash refunds are returned as inâapp credit first; you may withdraw to your bank once processed.
- Platform fees are refunded in full if the booking is cancelled before the provider begins work.
5. Tips for Minimising Fees
1. Use local gateways when available (e.g., Paystack in NGN) to avoid foreignâexchange surcharges îciteîturn0search2î.
2. Bundle servicesâone combined checkout reduces perâtransaction fees.
3. Avoid lastâminute cancellations; reâbooking triggers another gateway fee.
6. Need Help?
If a payment fails or a charge looks incorrect, open Help â Billing Support from your dashboard or email
support@orbas.io. Our finance team responds within one business day.
Your payments keep the platform thrivingâthank you for choosing Orbas Services.