Take online payments by card or by bank transfer

1. 01

   Open the payments section

   Open Integrations › Payments; only people with the workspace-settings permission, such as owners and admins, see it. Each gateway row lists the currencies it takes and what it supports, such as “Refunds” and “Recurring”. A gateway marked “Not available in your country” does not sign up businesses from the country set in Settings › General.

2. 02

   Connect your gateway

   Press “Connect” on the gateway you have a merchant account with, and enter what it asks for:

   • LiqPay: “Public key” and “Private key”
   • monobank: “Acquiring token”, and optionally “Merchant public key”
   • Fondy: “Merchant ID” and “Payment key”

   Press “Test connection”, then “Connect”.

3. 03

   Choose the gateway that collects

   With one gateway connected, it takes every payment and shows “Collecting”. With two or more, press “Use this one” on the gateway that should take payments. Until you choose, a warning at the top says so, and online payments fail.

4. 04

   Know what the client sees

   A client pays on the gateway’s own secure page, opened from a payment link, a booking deposit or an order. Setvos never sees the card number, and the money goes to your merchant account with the gateway.

5. 05

   Add your payment details

   Under “Payment details”, press “Add an account” and fill in “Account holder” exactly as your bank holds it, the “Currency”, the “IBAN” — or, with no IBAN, the “Account number” and its local bank codes — and the “Payment reference”: your own words, the same for every client. A hryvnia account also takes “EDRPOU or RNOKPP”, and its reference starts as “Payment for services, no VAT”; change it if you pay VAT. “What clients see” beside the form shows the code as you type. You can keep several accounts, in one currency too: tick “Default account in this currency”, or press “Make default”, and documents in that currency show that account. A document in a currency you hold no account in offers no transfer. A name with the apostrophe ʼ is refused under “Account holder”: retype it as ’.

6. 06

   Know which code each account gets

   Setvos picks the code from the currency and the IBAN. A hryvnia account in Ukraine gets the “NBU QR”, which any Ukrainian banking app reads and which opens the bank app from a link on the client’s own phone. A euro account in the SEPA area gets the “EPC QR (GiroCode)”. A franc or euro account in Switzerland or Liechtenstein gets the “Swiss QR-bill”, which also needs the holder’s address. Any other account gets a “Details card”: no bank standard covers it, so clients copy the details. The code carries no amount. On a document, the client is shown the amount and a short reference to add to the purpose, such as AB12; on the poster, they are asked to write their name.

7. 07

   Share the code

   Each account offers “A4 poster (PDF)”, “A6 table card (PDF)”, “Code (PNG)” and “Code (SVG)”, for the desk, a mirror or a message. Tick “Show on the public page” on an account, and “Public link” gives an address to send clients: a page with every account so marked. Anyone with the link sees it, so if the account is in your own name, these are your personal details. A change to your payment details is recorded in the activity log, and the owners are told by email.

8. 08

   Choose card, transfer or both

   With a card gateway connected and payment details added, choose under “How clients pay online”: “Card or bank transfer — the client chooses”, “Card only” or “Bank transfer only”. Until you choose, clients are offered both. With only one of them, clients pay that way.

9. 09

   Mark a transfer paid

   Setvos does not read your bank account, so a transfer is never confirmed by itself. “Waiting for a bank transfer” lists the documents clients chose to pay by transfer, with the reference to look for and the amount. Once the money is in your account, press “Mark paid (bank transfer)” and enter the amount that arrived. A booking deposit, an order, a gift card or a membership takes only its full amount; an invoice takes any amount up to what is owed, and a part leaves it part-paid. The document is then paid as a card payment would mark it, once. The same button is on the visit, the invoice and the order, on the rows of gift cards and memberships, and in Setvos Business, whether or not the client chose a transfer. When you send money back from your bank, press “Returned by transfer” on that payment to record it.

10. 10

    Pay tips to your staff through monobank

    monobank can pay a client’s tip straight to the person who served them. First ask monobank’s support to add your staff to your account’s tips list. Then open the person in People, choose “Tips” from the record’s menu and pick them under “In the provider’s list”.

    The payment links for their visits then offer the client a tip, and monobank pays it to them. It never passes through your books.

Updated October 24, 2026