Oja Terminal
Collect payments
Cards, transfers, USSD, QR, cash, and POS in one wallet. Oja Terminal gives each store its own virtual account with instant transfer confirmation.
Transfers to confirm manually, Paystack in one tab, cash at the counter. Payment fragmentation costs Nigerian merchants hours every week.
Oja Terminal gives each store a dedicated account number. Paystack confirms transfers automatically so you know ₦45,000 landed before you release goods.
Every payment method ties to an order. Settlements land in your Oja wallet. Withdraw manually or on 12h, 24h, or 48h cycles.
Transfer confirm
Instant
Withdraw cycles
12h · 24h · 48h
Methods
Card · USSD · QR · Cash
What you get
Your own account number
Customers pay your store's virtual account. Instant Paystack confirmation.
Every tender, one ledger
Cards, USSD, QR, cash, and terminal payments map to the same order and wallet.
Withdraw on your schedule
Manual withdrawal or automated 12h, 24h, and 48h settlement cycles.
Trust before you ship
Instant confirmation cuts I have sent it disputes. Ship with confidence.
Shareable payment links
Send WhatsApp-ready checkout links so customers pay without more back-and-forth.
Settlement history
Every payment logged with order references for bank reconciliation.
Payment flow
From customer pay to your bank
- 01
Customer pays
Transfer, card, USSD, or QR at checkout or counter.
01 - 02
Auto-confirmed
Paystack verifies transfers to your virtual account instantly.
02 - 03
Settle and withdraw
Funds in your Oja wallet. Withdraw on your schedule.
03
Checkout
Familiar payment rails at checkout
Customers choose card, transfer, or USSD at checkout. Pricing and delivery are clear before they pay.
Order confirmation sends automatically so buyers know payment landed.
- Paystack card processing
- Bank transfer with instant confirm
- USSD and QR options
Wallet
One wallet for every channel
Walk-in cash, online transfers, and card payments all settle into the same Oja wallet.
See balance, pending settlements, and withdrawal history without opening another app.
- Unified balance view
- Scheduled withdrawals
- Fee and tax breakdown
Built for how Nigeria pays
Shoppers expect bank transfers, cards, and USSD. Oja supports the methods your market trusts at checkout and at the counter.
Paystack powers card processing. Dedicated virtual accounts (DVA) power transfer confirmation per store.
- Paystack card processing in checkout
- Dedicated virtual account per store
- USSD, QR, cash, and POS recording
Reconciliation without spreadsheets
End of day should be a review, not a scavenger hunt across notebooks and bank alerts.
Platform fees, shipping, and tax sit beside revenue so margin stories stay honest.
- Order-linked payment records
- Wallet balance and withdrawal history
- Export-friendly settlement reports
Built for
- Merchants checking three apps before dispatching an order
- Stores that take bank transfers daily
- Businesses selling online and in person
- Teams tired of matching transfers to DMs manually
FAQ
Questions
What is Oja Terminal?
A dedicated virtual bank account for your store. Customers transfer to your account number and Paystack confirms payment automatically.
Which payment methods are supported?
Cards via Paystack, bank transfers, USSD, QR codes, cash, and POS terminal payments.
How fast can I withdraw?
Choose manual withdrawal or scheduled cycles of 12h, 24h, or 48h after settlement.
Does every payment link to an order?
Yes. Payments reconcile to orders so fulfilment and records stay aligned.
Pair Oja Terminal with order management so every kobo maps to a sale.
Create your store