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

# 5. Set Up Payments

> Enable storekit Payments powered by Adyen to accept cards, Apple Pay, Google Pay, Klarna, and local methods. Connect a bank account to start receiving payouts.

Set up storekit Payments to accept card payments and receive payouts to your bank account.

## storekit Payments

storekit Payments is powered by Adyen, a global payment processor. It supports:

* **Cards** - Visa, Mastercard, Amex, Maestro
* **Digital wallets** - Apple Pay, Google Pay
* **Regional methods** - Klarna, iDEAL, Bancontact, TWINT, Alipay, and more

<Note>
  For merchants in South Africa, storekit uses [Yoco](/guides/payments/yoco) as the payment provider instead of Adyen.
</Note>

## Getting Started

<Steps>
  <Step title="Start Setup">
    Go to **Store Settings > Payments** and click **Set up storekit Payments**.
  </Step>

  <Step title="Select Business Type">
    Choose your business type:

    * **Business** - Limited Company, LLP, or PLC
    * **Sole Trader** - Self-employed individual
  </Step>

  <Step title="Enter Business Details">
    Provide your business information. For UK companies, we'll look up details from Companies House automatically.
  </Step>

  <Step title="Accept Terms">
    Review and accept the terms of service.
  </Step>

  <Step title="Complete Verification">
    Complete identity and business verification. You'll need:

    * Photo ID (passport or driving licence)
    * Bank account details for payouts
    * Business registration details (for companies)
  </Step>
</Steps>

## Verification

Verification is required to receive payouts. Most verifications complete within minutes, but some may take 24-48 hours.

| What's Verified          | For Sole Traders | For Companies |
| ------------------------ | ---------------- | ------------- |
| Identity                 | ✓                | ✓             |
| Bank account             | ✓                | ✓             |
| Business registration    | -                | ✓             |
| Beneficial owners (25%+) | -                | ✓             |

<Info>
  You must complete verification before you can accept payments. [Learn more about verification →](/guides/payments/storekit-payments-setup)
</Info>

## Payouts

Once verified, funds are paid out to your bank account:

* **Schedule** - Daily (business days, T+2 settlement)
* **Time** - 5:00 AM local time
* **Currency** - Your local currency

[Learn more about payouts →](/payouts/overview)

## Payment Methods

After setup, these payment methods are automatically enabled:

| Method                            | Availability       |
| --------------------------------- | ------------------ |
| Cards (Visa, Mastercard, Maestro) | All stores         |
| American Express                  | Enabled by default |
| Apple Pay                         | Apple devices      |
| Google Pay                        | Android/Chrome     |

### Regional Payment Methods

Additional methods can be enabled based on your region:

* [**Klarna**](/guides/payments/klarna) - Buy now, pay later (UK, EU)
* [**iDEAL**](/guides/payments/ideal) - Netherlands
* [**Bancontact**](/guides/payments/bancontact) - Belgium
* [**TWINT**](/guides/payments/twint) - Switzerland
* [**Alipay**](/guides/payments/alipay) - International customers from China

[Contact support](/getting-started/contact-support) to enable regional payment methods.

### Cash / Pay Later

For dine-in orders or pickup, you can enable non-card payment options:

* **Cash** - Customer pays in person (no online payment required)
* **Add to bill** - For pay-at-table, orders are added to an open bill

These options appear at checkout based on the fulfillment method and store settings.

## Tips & Service Charges

Optionally enable tips at checkout:

1. Go to **Store Settings > Payments**
2. Enable **Tips**
3. Configure tip settings for regular orders and pay-at-table separately

You can set suggested tip percentages or allow custom amounts. Service charges can be added automatically to all orders.

[Learn more about tips →](/guides/payments/tips-service-charges)

## Next Step

With payments configured, [connect a printer →](/getting-started/launch/connect-printing) or skip to [testing your store](/getting-started/launch/test-and-go-live).