When hearing the words “online school,” many people start to think that students have to transfer money to the teacher’s personal card. But this approach will quickly exhaust itself, as it will look too unprofessional. You will also have to manually grant access to students, and things like subscriptions or installment payments won’t even be an option.
However, using a specialized payment system (a payment aggregator) completely changes the situation. You offer your students a convenient and familiar interface for paying by card, Apple Pay, Google Pay, or via online banking. Funds are transferred instantly, granting access to the course. You also get максимально flexible tools for monetizing your education, including subscriptions, partial payments, and installment plans over several months.
Keep in mind: many educational platforms (for example, Teachable or Thinkific) have built-in payment tools. However, their fees can make this option unprofitable at the start of an educational business. Therefore, it is better to choose a separate payment service from the very beginning and connect it.
What to consider when choosing a payment system
The first aspect to pay attention to when choosing a payment system is whether your business is registered. If you are a sole proprietor in Ukraine, then you need payment aggregators that support working with Ukrainian banks and allow accepting payments in hryvnia. Connecting such a system on the Kwiga platform takes only a few minutes and does not require special technical knowledge.
What is important to consider when choosing a payment system for an online school in Ukraine:
● Payment methods. Will students be able to pay with cards, Apple Pay, Google Pay, or via online banking?
● Fees. How much will you pay from each transaction (from 1.3% to 5% for users from Ukraine)?
● Integration. How easy is it to register and start accepting payments?
● Payouts. How quickly can you withdraw your earnings to your account?
● Geography. Are international payments accepted and is currency conversion available?
Let’s look at the best payment systems suitable for Ukrainian online schools.
1. WayForPay
Payment types:
● Visa/Mastercard cards;
● Apple Pay, Google Pay;
● Privat24;
● Tokenized payments for recurring charges (one-click payments).
Integration. You need to fill out a form on the website. Then a manager will help install the system. Ready-made plugins for various CMS are available.
Pricing. The base fee is 3.9%. Individual fee reductions are possible for high volumes.
Payouts. Funds are transferred as early as the next day after the payment.
Geography. The service is primarily focused on Ukraine, but WayForPay accepts international payments.
Pros for educational projects:
● Ability to create payment pages without a website;
● Available tools for making recurring payments;
● Built-in CRM.
2. Plata by Mono
Payment types:
● Credit and debit cards (Visa, Mastercard);
● Apple Pay and Google Pay;
● One-click payment through the monobank app (monopay);
● QR code payments;
● Tokenized payments for recurring charges (require manual setup).
Integration. To get started, you need to open or already have an active sole proprietor account with monobank. Registration takes up to 10 minutes through the app. The payment system can be integrated either via API or with ready-made plugins for popular CMS platforms. A separate testing environment is also available.
Pricing. Payment by Mono offers the lowest fee on the market:
● 1.3% for payments made with Ukrainian cards;
● 2% for international payments.
There is no subscription fee.
Payouts. Funds are credited to the sole proprietor account in monobank. Payouts can be managed through the business portal, where detailed analytics and reports are also available.
Geography. The payment system is aimed at Ukrainian businesses, but it supports international card payments with automatic conversion into hryvnia.
Features for online schools:
● Convenient setup of recurring payments (subscriptions);
● Instant crediting of funds for monobank customers;
● A simple personal account for managing finances;
● Free opening and maintenance of a sole proprietor account.
3. Stripe
Payment types:
● Visa, Mastercard, American Express cards;
● Apple Pay, Google Pay;
● Local payment methods in more than 135 currencies (SEPA, iDEAL, Klarna, Bancontact);
● Payment links and invoices (without the need to have a website);
● Card saving for recurring payments (one-click payments).
Integration. After registering a foreign company and opening a corporate bank account (Wise, Payoneer, Revolut), you can create a Stripe account. Integration is simple: there are ready-made modules for Shopify, WooCommerce, WordPress, as well as detailed API documentation.
Pricing. The fee depends on the country where the company is registered:
● For EU companies: 1.5% + 1 PLN for cards issued in the EEA (Visa/Mastercard), 1.9% + 1 PLN for premium cards;
● International cards (outside the EEA): 3.25% + 1 PLN + 2% for currency conversion;
● BLIK: 1.6% + 1 PLN.
Payouts. Payouts are made on a schedule (free of charge) or instantly with a 1% fee deducted from the amount. Funds are transferred to the company’s corporate account.
Geography. Stripe allows you to accept payments from all over the world. It is an ideal choice for online schools targeting an international audience.
Features for online schools:
● Stripe Billing with automatic setup of charges, plans, and trial periods;
● Stripe Radar, where AI-based fraud protection can be configured;
● Detailed analytics and reporting;
● The ability to integrate with tax modules through Stripe Tax.
Attention! Stripe does not work directly with Ukrainian sole proprietors and LLCs. To use this service, you need to register a company in a country with official Stripe support (the USA, the United Kingdom, Estonia, Poland, etc.).
4. LiqPay (by PrivatBank)
Payment types:
● Visa/Mastercard cards;
● Payment from a Privat24 account;
● Apple Pay, Google Pay.
Integration. You only need a PrivatBank account. Integration via API or the use of ready-made modules is available.
Pricing. The fee is 2.75% + 0.5 UAH per successful payment.
Payouts. Online school owners can instantly withdraw funds to a PrivatBank card or account.
Geography. Focused on Ukraine, but international cards can also be accepted.
Features for online schools:
● Extensive experience in the market;
● A wide range of tools (payment requests, buttons, invoices);
● Convenient for those who already use PrivatBank.
5. PayPal
Payment types:
● Transfers from a PayPal account;
● Bank cards (Visa, Mastercard, American Express) linked to a PayPal account;
● International transfers;
● Card saving for recurring payments (one-click payments).
Integration. Registration in Ukraine is available only to individuals. Business accounts can only be created by companies registered outside Ukraine. For verification, you need to confirm your email and verify your bank card. Payments can also be accepted simply via an email address.
Pricing:
● Fee for international payments: 2% of the transfer amount;
● Currency conversion fee: up to 3%.
Payouts. Funds can be withdrawn to a bank card (Visa/Mastercard) of any foreign bank, but this option is not available for Ukrainian banks.
Geography. Ukrainian online schools can accept payments and withdraw funds only if they are registered abroad. This payment system is popular among foreign clients, especially in the USA and Europe.
Features for online schools:
● High level of trust in the service among international students;
● The ability to issue payment invoices;
● Buyer and seller protection;
● For recurring payments, subscriptions can be set up via PayPal Subscriptions.
6. Portmone
Payment types:
● Visa/Mastercard cards;
● Payment via online banking;
● Apple Pay, Google Pay;
● Card saving for recurring payments (one-click payments).
Integration. Submit an application on the website, after which the client signs an agreement and gets access to a personal account.
Pricing. The fee starts at 3.2% depending on turnover. Individual terms may be discussed.
Payouts. The process is fast — payouts take 1–3 business days.
Geography. First and foremost, Portmone is a Ukrainian service, but it also supports cards issued by foreign banks.
Advantages for online schools:
● The ability to send invoices by email;
● Subscriptions and payments;
● Integration with accounting services.
7. All Pay
Payment types:
All Pay is a payment system that serves businesses registered in Israel. It allows you to easily accept payments from all over the world into an account at an Israeli bank.
Integration. An All Pay account can be easily integrated with an online school thanks to simple solutions. Video instructions are available for online school owners to speed up this process.
Pricing. For payments in Israel, the fee is 1.45%; for foreign transactions, it is 3.65%. The platform also charges a subscription fee of 50 shekels ($16).
Payouts. Funds can be withdrawn to a bank account at Hapoalim Bank, Bank Leumi, or any other Israeli bank. Both weekly and monthly payouts can be set up.
Geography. All Pay is registered as an international payment system, but its main audience is specifically Israeli companies.
8. Przelewy24
Payment types:
● BLIK (a fast code from a banking app);
● Bank transfers via PKO, Millennium, and other Polish banks;
● Visa, Mastercard cards;
● BLIK Pay Later (deferred payment up to 30 days);
● Visa Mobile (payment by phone number);
● Recurring payments.
Integration. Business account registration is available online. Online schools can integrate the system via API or ready-made modules for popular CMS platforms. The service is focused primarily on the Polish market and companies working with clients from Poland.
Pricing. The fee depends on the selected payment method:
● BLIK: 1.6% + 1 PLN;
● Visa/Mastercard bank cards: 1.5% + 1 PLN for EEA cards;
● Przelewy24: 1.9% + 1 PLN (when used through the Stripe system).
Payouts. Funds are transferred to the company’s account according to the payout schedule. Instant payouts to the online school’s current account are also possible for an additional fee.
Geography. Przelewy24 is a leader in the Polish online payments market. The system operates in more than 50 countries, but it is most relevant for businesses targeting clients from Poland.
Features for online schools:
● An ideal choice if your target audience is students from Poland;
● Payment methods familiar and convenient for Polish users increase conversion;
● The ability to set up regular payments (subscriptions);
● Deferred payments (BLIK Pay Later) can help boost sales of expensive courses.
9. hutko (formerly iPay.ua)
Payment types:
● Credit and debit cards (Visa, Mastercard);
● Apple Pay and Google Pay;
● Electronic wallets.
Integration. Online onboarding. You can quickly set up payment acceptance without involving developers by using ready-made tools: payment links, QR codes, and online invoices. Ready-made integrations with popular CMS platforms are also available.
Pricing. A single тариф with no hidden payments or extra charges for premium features. The fee is charged only for successful transactions. A free software cash register for payment fiscalization is included.
Payouts. Daily reimbursement with no days off.
Payment aggregator geography. hutko is a Ukrainian payment service and a partner of PUMB Bank. It is suitable both for working in Ukraine and for accepting international payments from 200+ countries with automatic conversion into hryvnia.
Features for online schools:
● Recurring payments for course subscriptions and memberships;
● One-click payment for regular students;
● Ready-made integrations with educational platforms;
● Email notifications about payment statuses;
● Detailed analytics and reports in the personal account.
10. Tranzzo
Payment types:
● Bank cards (Visa, Mastercard);
● Apple Pay and Google Pay;
● Payment through Privat24, monobank, and other online banking services;
● Card saving for recurring payments (one-click payments).
Integration. Connection is done through online registration with a minimum set of required documents. There is an option to use a simple API or a ready-made solution for WordPress and other CMS platforms.
Pricing. The fee starts at 2.5% per transaction. There is no fixed monthly payment.
Payouts. Funds are transferred to the settlement account within 1–2 business days.
Geography. Tranzzo is a Ukrainian payment service focused on working with hryvnia. That is why it is ideally suited for businesses registered in Ukraine.
Advantages for online schools:
● Quick connection without complex technical work;
● Support for subscriptions and recurring payments;
● A configurable personal account for managing your transactions.
Summary: how to choose a payment system?
All the listed services are reliable, legal, and specifically designed for Ukrainian businesses. Your choice depends on your specific needs:
● If you need maximum automation, pay attention to WayForPay.
● If you process many payments from abroad — Stripe or PayPal.
● If you value easy integration and a low fee — Plata by Mono or LiqPay.
● If you need a powerful tool with broad reporting capabilities — Portmone.
Do not forget that integrating a payment system is not just a technical step, but part of your service. The simpler and more familiar the payment process is for the student, the more successful sales you will get. So choose wisely and grow your online school!