Store Wallet

Manage your payment gateways, view balances, and configure how you receive payments from customers.

Overview

The Wallet section is your central hub for managing all payment provider connections and understanding your payment flow. Here you can:

• Connect and configure payment gateways (Stripe, PayPal, etc.)
• View payment provider account statuses
• Manage which gateway is your primary payment method
• Access payment provider dashboards directly

Direct Payment Model

Pixlpay uses direct payments - all customer payments go straight to YOUR payment provider account. Pixlpay never holds or touches your customer funds. This keeps your money safe and gives you full control.

Understanding the Payment Flow

Customer Checkout
       │
       ▼
┌──────────────────────┐
│  Payment Gateway     │  ← Customer pays YOUR connected account
│  Selection           │
└──────────┬───────────┘
           │
           ▼
┌──────────────────────┐
│  Your Stripe/PayPal  │  ← Funds go directly here (100%)
│  Account             │
└──────────┬───────────┘
           │
           ▼
┌──────────────────────┐
│  Your Bank Account   │  ← Payouts from YOUR provider account
└──────────────────────┘

Key Benefits

• 100% of customer payments go directly to your accounts
• Zero transaction fees from Pixlpay (only provider fees)
• Full control over your money at all times
• Independent payouts managed by each provider
• Pixlpay only charges a separate monthly subscription

Accessing the Wallet

Navigate to Finance > Wallet in your store dashboard.

Payment Gateway Configuration

Available Payment Gateways

Pixlpay supports 12 payment providers worldwide:

Provider	Best For	Typical Fees
Stripe	Global, most regions	2.9% + $0.30
PayPal	Worldwide	2.9% + $0.30
Razorpay	India, Southeast Asia	2%
Iyzico	Turkey	2.49% + TRY 0.25
Mollie	Europe	1.8% + €0.25
Paystack	Africa	1.5% + NGN 100
Xendit	Indonesia, Southeast Asia	2.9%
Paymob	Egypt, Middle East	2.5%
CoinPayments	Cryptocurrency	0.5%
Mercado Pago	Latin America	4.99%
PayTR	Turkey	2.49%
Terminal3	Middle East, Global	Varies

Multiple Gateways

You can connect multiple payment providers to give customers more payment options and access different regional payment methods. Set one as primary for default checkout.

Connecting a Payment Gateway

For Stripe

1. Go to Finance > Wallet
2. Find the Stripe section
3. Click Connect Stripe
4. You'll be redirected to Stripe to:
   • Create a new Stripe account, or
   • Connect an existing Stripe account
5. Authorize Pixlpay to create payments on your behalf
6. Return to Pixlpay - connection complete!

Stripe Connect Standard

Pixlpay uses Stripe Connect Standard accounts, meaning you maintain full control of your Stripe account and Pixlpay only has permission to create charges. We never hold your funds.

For PayPal

1. Go to Finance > Wallet
2. Find the PayPal section
3. Click Connect PayPal
4. Log into PayPal Business account
5. Authorize the connection
6. Return to Pixlpay

For Other Providers

Each provider has a similar flow:

1. Click Configure or Connect
2. Enter API credentials from the provider
3. Test the connection
4. Enable for checkout

See Payment Provider Setup for detailed instructions for each gateway.

Payment Gateway Status

Each connected gateway shows:

Status	Meaning
Connected	Successfully configured and ready
Not Connected	Not yet set up
Charges Enabled	Can process payments
Charges Disabled	Connected but cannot charge (needs verification)
Primary	Default gateway for checkout

Setting Primary Gateway

Your primary gateway is the default payment method shown at checkout.

To change primary gateway:

1. Find the gateway you want to make primary
2. Click Set as Primary
3. Customers will see this gateway first at checkout

TIP

Customers can still choose other enabled gateways. Primary just sets the default selection.

Copying Gateway Settings Between Stores

If you have multiple stores, you can reuse payment gateway connections:

1. Click the dropdown arrow on Connect button
2. Select Copy from another store
3. Choose which store to copy settings from
4. Configuration is duplicated instantly

This works for:

• Stripe accounts
• PayPal accounts
• Any provider using API credentials

Managing Connected Accounts

Viewing Account Details

For each connected gateway, you can see:

• Account Email: The email associated with the account
• Account ID: Provider's account identifier
• Charges Status: Whether you can accept payments
• Payouts Status: Whether payouts are enabled
• Requirements: Any pending verification items

Accessing Provider Dashboards

Click Manage in [Provider] to:

• View detailed balance information
• See payout schedules
• Access transaction history
• Update bank account details
• Configure payout settings
• Download tax documents

Disconnecting a Gateway

WARNING

Disconnecting a gateway prevents new payments through that provider. Existing subscriptions using that gateway will fail to renew.

To disconnect:

1. Click Disconnect or Remove
2. Confirm the action
3. Existing transactions remain accessible
4. No new payments can be processed

Understanding Balances

Where is My Balance?

Since payments go directly to your provider accounts:

• Stripe Balance: View in Stripe Dashboard
• PayPal Balance: View in PayPal.com
• Other Providers: Check each provider's dashboard

Pixlpay shows revenue summaries but doesn't hold balances.

Viewing Revenue in Pixlpay

While your actual balance lives in provider accounts, Pixlpay shows:

In Finance > Transactions:

• Total revenue (what customers paid)
• Estimated provider fees
• Net revenue estimate
• Revenue by gateway
• Revenue by product/date range

TIP

These are estimates for tracking purposes. Exact amounts and fees are in your payment provider dashboards.

Payout Management

How Payouts Work

Each payment provider manages its own payouts:

Provider	Payout Schedule	Where Managed
Stripe	Daily (default)	Stripe Dashboard
PayPal	Instant to balance	PayPal.com
Razorpay	Automatic to bank	Razorpay Dashboard
Iyzico	Weekly	Iyzico Panel
Mollie	Daily/Weekly	Mollie Dashboard
Paystack	Next-day	Paystack Dashboard
Xendit	Same/Next day	Xendit Dashboard
Paymob	Weekly	Paymob Dashboard
CoinPayments	Manual	CoinPayments.net
Mercado Pago	Configurable	Mercado Pago
PayTR	Weekly	PayTR Panel

Configuring Payout Schedule

Payout schedules are set in each provider's dashboard:

1. Click Manage in [Provider]
2. Navigate to Settings > Payouts
3. Choose your schedule:
   • Daily (most common)
   • Weekly
   • Monthly
   • Manual
4. Save changes

TIP

Daily payouts are recommended for steady cash flow. New accounts may have longer holding periods initially.

Payout Timeline

Typical timeline for Stripe (most common):

1. Day 0: Customer pays
2. Day 2: Available in Stripe balance
3. Day 3: Automatic payout initiated
4. Day 5-7: Funds in your bank account

Other providers have similar timelines, though some (like PayPal) offer instant balance access.

Multi-Gateway Strategy

Benefits of Multiple Gateways

Running multiple payment providers gives you:

• Regional coverage: Local payment methods for each market
• Redundancy: Backup if one provider has issues
• Lower fees: Route to cheapest provider by region
• More payment methods: Cards, wallets, crypto, bank transfers
• Better conversion: Customers prefer familiar local methods

Recommended Setup by Region

Your Market	Primary Gateway	Secondary Gateway
North America	Stripe	PayPal
Europe	Stripe or Mollie	PayPal
India	Razorpay	Stripe
Turkey	Iyzico or PayTR	Stripe
Latin America	Mercado Pago	Stripe
Southeast Asia	Xendit	Razorpay
Middle East	Paymob or Terminal3	Stripe
Africa	Paystack	Stripe
Global/Crypto	Stripe	CoinPayments

Routing Payments

When multiple gateways are enabled:

• Primary gateway shows first at checkout
• Customers can switch to other enabled gateways
• Each gateway displays its supported payment methods
• Customer choice determines which account receives payment

Transaction Fees

Understanding Provider Fees

Each payment provider charges fees that go directly to them:

Customer pays: $100.00
Provider fee:  -$3.20  (2.9% + $0.30)
You receive:   $96.80

Pixlpay charges zero transaction fees. All fees shown are charged by your payment provider.

Comparing Provider Fees

Fees vary by:

• Provider
• Payment method (cards vs bank transfer vs crypto)
• Card type (debit vs credit)
• Customer location (domestic vs international)
• Currency conversion

See Transactions for detailed fee breakdown by provider.

Pixlpay's Revenue Model

Pixlpay earns revenue from monthly subscription fees, not from your transactions:

• Free plan: $0/month
• Paid plans: Starting at competitive monthly rates
• See Pricing for current plans

This keeps our interests aligned - we want you to make more sales, not take a cut of them.

Security & Compliance

PCI Compliance

Payment security is handled by your payment providers:

• Card data never touches your server or Pixlpay's
• Providers are PCI-DSS Level 1 compliant
• Pixlpay doesn't store card numbers
• Tokens are used for saved cards

Account Security

For your payment provider accounts:

• Enable two-factor authentication (2FA)
• Use strong, unique passwords
• Monitor for unusual activity
• Set up email notifications for payouts
• Regularly review connected applications

For Pixlpay:

• Enable 2FA on your store owner account
• Use team member roles to limit access
• Review activity logs regularly

Troubleshooting

Gateway Won't Connect

Possible causes:

• Provider account not verified
• Incorrect API credentials
• Account in wrong region
• Provider account restricted

Solutions:

1. Complete provider account verification
2. Check API keys are correct (test vs live mode)
3. Ensure account region matches your location
4. Contact provider support for account issues

Charges Disabled

If your gateway shows "Charges Disabled":

1. Click Manage in [Provider]
2. Check for verification requirements
3. Complete any pending items:
   • Identity verification
   • Business information
   • Bank account verification
   • Tax ID (if required)
4. Wait for approval (usually 1-2 business days)

Payments Failing

If customer payments fail:

1. Check gateway status is "Connected"
2. Verify charges are enabled
3. Check provider dashboard for errors
4. Test with a test card/payment
5. Review provider logs for decline reasons

Common reasons:

• Card declined by bank
• Insufficient funds
• Incorrect card details
• 3D Secure authentication failed
• Provider having technical issues

Missing Payouts

If expected payouts haven't arrived:

1. Check payout schedule in provider dashboard
2. Verify bank account details are correct
3. Look for any holds or reserves
4. Complete any pending verification
5. Contact provider support

Balance Discrepancies

If Pixlpay revenue doesn't match provider balance:

• Pixlpay shows gross revenue (what customers paid)
• Provider shows net balance (after fees)
• Check date ranges match
• Account for refunds processed
• Currency conversion may affect amounts

Best Practices

Getting Started

1. Start with one gateway (Stripe recommended for most)
2. Complete full verification before going live
3. Test payments with test cards
4. Set up payout to your bank account
5. Configure tax settings in provider dashboard

Multiple Store Management

If running multiple stores:

• Use same provider accounts across stores (easier management)
• Or separate accounts per store (clearer accounting)
• Copy gateway settings between stores to save time
• Track which store's revenue in each account

Financial Management

• Check balances weekly
• Reconcile Pixlpay reports with provider statements
• Export transaction data monthly
• Keep records for tax purposes
• Plan for payout timing in cash flow

Optimization

• Add regional gateways for your target markets
• Monitor conversion rates by gateway
• Test different primary gateway selections
• Enable gateway-specific payment methods
• Review provider fees annually for better rates

Related Features

• Payment Provider Setup - Detailed setup guides for each gateway
• Transactions - View all payments and refunds
• Payouts - Understanding how money reaches your bank
• Localized Pricing - Set prices in multiple currencies
• Orders - Managing customer orders and refunds