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

# Payments overview

> How FikaTrade collects customer payments, and how a successful payment leads to a payout.

FikaTrade can collect payment from your customers on-platform, so you don't have to chase payment separately from invoicing.

## Supported payment methods

Two on-platform payment methods are currently live:

* **PayTo** — a standing payment agreement a customer authorises in their own banking app. See [PayTo payments](/supplier-guide/payments/payto-payments).
* **Card** — a saved card, added by your team on the customer's behalf. See [Card payments](/supplier-guide/payments/card-payments).

If a customer doesn't use either method, you can still invoice them and mark the invoice as paid yourself once you've been paid outside FikaTrade — see [Invoicing overview](/supplier-guide/invoicing/overview).

## How payment relates to invoicing

A payment is always collected against exactly one invoice — there's no way to collect one payment across multiple invoices, and FikaTrade doesn't support partial or overpayments. Once an order is approved and its invoice is finalized (status **Sent**), that invoice becomes ready for payment collection.

## Automatic or manual

Collection starts one of two ways:

* **Automatically**, for customers with auto-accept enabled — collection is queued the moment their order is approved.
* **Manually**, when a member of your team selects **Collect Payment** on a Sent invoice.

See [How payments are collected](/supplier-guide/payments/how-payments-are-collected) for the full trigger and what happens if it fails.

## Before you can collect payments

Your business needs to be verified and enabled for payments by FikaTrade, and you need a settlement bank account on file, before any collection can succeed. See [Set up payment collection](/supplier-guide/payments/set-up-payment-collection).

## Where you see payment status

Go to **Transactions** in your supplier workspace to see every payment, its current status, and whether it's been included in a payout to your bank account.

## After a successful payment

Once a payment is collected, the invoice's status becomes **Paid**, and the payment is queued to be included in a future payout to your settlement bank account — see [Payouts and settlement](/supplier-guide/payments/payouts-and-settlement).

## The lifecycle

```text theme={null}
Order approved
  → Invoice finalized (Sent)
  → Collect Payment (automatic for auto-accept, or manual)
  → Payment collected → Invoice marked Paid
  → Included in a payout → paid to your settlement bank account
```

## Related guides

* [Set up payment collection](/supplier-guide/payments/set-up-payment-collection)
* [Payment statuses](/supplier-guide/payments/payment-statuses)
* [Payouts and settlement](/supplier-guide/payments/payouts-and-settlement)
* [Invoicing overview](/supplier-guide/invoicing/overview)