> ## 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.

# Set up payment collection

> What must be verified and configured before you can collect customer payments on FikaTrade.

Before your business can collect a customer payment on FikaTrade, three things need to be in place: your business must be verified, payments must be enabled for your workspace, and you need a settlement bank account on file.

## Before you begin

* Your ABN is captured during onboarding — see [Set up your company](/supplier-guide/getting-started/set-up-your-company).
* Adding or replacing your settlement bank account can be done by any supplier team member.
* Creating a PayTo payment agreement for a customer requires a **supplier administrator**.
* Verifying your business and enabling payments for your workspace is done by FikaTrade, not by your team — there's no self-service step for this in the product.

## Steps

1. **FikaTrade verifies your business.** After your ABN is captured at onboarding, FikaTrade staff review and verify your business before payments can be used. This isn't something you complete yourself in the product — if payments aren't yet available, you'll see a message that verification is required.
2. **FikaTrade enables payments for your workspace.** This is a separate, FikaTrade-controlled step from verification. Both must be complete before payment collection works.
3. **Add your settlement bank account.** Go to **Settings → Payouts** and enter your BSB, account number and account name. FikaTrade sends these to its payment provider and doesn't store your full account details itself — only a masked reference is shown afterwards. You can replace these details later; doing so may be delayed if a payout is already in progress with the previous account.
4. **Set up a payment method for a customer.** Once the above is done, set up [PayTo](/supplier-guide/payments/payto-payments) or add a [card](/supplier-guide/payments/card-payments) for a specific customer, so they have a way to pay you on-platform.

## What happens next

Once your business is verified, payments are enabled, and your bank account is on file, **Collect Payment** becomes usable on your invoices, provided the customer also has a usable payment method set up.

## Common issues

If any of these steps is incomplete, FikaTrade blocks payment actions and tells you which one:

| Message you may see                                                                                              | What it means                                                                                   |
| ---------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------- |
| "Payments require KYC — Complete supplier KYC before using Payments"                                             | Your business hasn't been verified by FikaTrade yet.                                            |
| "Payments are not enabled — Please contact the FikaTrade team to enable Payments"                                | Verification is done, but payments haven't been switched on for your workspace yet.             |
| "Payments are unavailable — Reactivate the supplier workspace before using Payments"                             | Your workspace itself is inactive.                                                              |
| "Payments are not enabled for this customer — Ask the supplier to enable on-platform payments for this customer" | Shown on the customer side if their relationship with you isn't set up for on-platform payment. |

If you see any of these and believe they're wrong, contact FikaTrade support.

## Related guides

* [Payments overview](/supplier-guide/payments/overview)
* [PayTo payments](/supplier-guide/payments/payto-payments)
* [Card payments](/supplier-guide/payments/card-payments)
* [Payouts and settlement](/supplier-guide/payments/payouts-and-settlement)