How to Sell Trading Tools Through Your Own Website: Payments, Delivery and Licensing

Last checked: 12 October 2026. This guide draws on Paystack’s published pricing, 2026 reviews of Nigerian payment gateways, the acceptable-use pages of Paddle and Lemon Squeezy and MQL5 reference pages. Gateway rules, tax law and fees change. Verify with the providers and an accountant.

Selling through your own website means you keep more of each sale and own your customer list, but you also take on payments, delivery, licensing, tax and support. This guide explains how the pieces fit together for an MT5 seller, with notes for Nigerian sellers who want to collect naira and dollars.

The parts of a direct-sales setup

1. A product page that follows the honesty rules from earlier in this series.
2. A checkout that takes payment.
3. Delivery of the file and licence after payment.
4. Licensing to control use.
5. Terms, privacy and refund policy pages.
6. Support and a way to ship updates.
7. Records for tax and disputes.

Choosing a payment route

A local gateway. For naira, Paystack publishes 1.5 percent plus 100 naira for local transactions, with the flat fee waived under 2,500 naira and total fees capped at 2,000 naira, and 3.9 percent plus 100 naira for international cards. Customers can pay by card, bank transfer or USSD in Nigeria. A 2026 comparison reports that Flutterwave is priced slightly differently and has changed its local fee in the past, so check it directly. The same review says registering with the Corporate Affairs Commission is effectively needed to avoid long settlement holds on Paystack. We could not confirm that from Paystack itself, so ask the gateway what documents it needs for your business type.

Merchant-of-record platforms. Gumroad, Lemon Squeezy and Paddle simplify global sales tax but have their own acceptable-use policies. Paddle’s list of prohibited categories includes trading and financial services and advice, naming trading signals and strategies. Lemon Squeezy prohibits regulated products and get-rich-quick schemes, and asks you to contact support if unsure. Neither list obviously covers a plain indicator, but the safe course is to ask support in writing and save the reply before you build on a platform.

Disclose what you are selling. Payment providers review merchants. Describe the product accurately as software, which also matches how your product page should read. A provider that finds a mismatch between your application and your site may hold funds or close the account.

Tax and bookkeeping

Income from software sales is generally taxable, and rules for digital services differ by country and by customer location. Nigerian tax rules changed in 2026 under the Nigeria Tax Act 2025, and a gateway comparison reports a new 50 naira stamp duty on transfers of 10,000 naira or more out of a Paystack balance from February 2026. These details change, so ask a qualified accountant what applies to you. Keep a simple record of every sale: date, amount, fees, customer country and payment reference.

Delivery after payment

A simple, secure flow:

1. The customer pays. The gateway sends your server a confirmation (a webhook) when the payment succeeds.
2. Your server verifies that the confirmation is genuine, using the gateway’s signature or by querying the gateway’s API. Never deliver on the strength of a customer’s redirect alone, because anyone can fake a redirect.
3. Your server creates the licence key, as described in the licence article in this series.
4. The customer receives an email with the download link and the key. The link should expire or require login.
5. You store the order, key and customer details in a database.

If you use WordPress, a store plugin can handle much of this, but check that it supports your gateway and that its security record is good. Keep plugins updated, because a compromised store can leak your product files and customer data.

Protecting files and customers

• Store product files outside the public web folder, or use signed, expiring download URLs.
• Use HTTPS everywhere.
• Do not store card numbers. Let the gateway’s checkout handle them.
• Collect only the customer data you need, publish a privacy policy and look up your country’s data protection law. Nigeria has a data protection act, and many other countries have comparable laws.

Licensing choices

Pick a licensing method that fits the price. For low-priced utilities, an account-locked key with an expiry is often enough. For subscriptions, you need a server check, which means an Expert Advisor or a companion tool, since MQL5’s WebRequest function is not available in indicators and needs the server’s address on the terminal’s allowed list. Tell customers about this step in the installation guide, because it is a common source of support questions.

Terms and policies

Publish at least:

• Terms of sale and licence: what the customer may do, how many installs, no resale or sharing.
• Refund policy: window and conditions.
• Risk disclosure: trading involves risk, and the tool does not guarantee results.
• Privacy policy: what you collect and why.
• Support policy: channels and response times.

Templates from the internet are a start, but they may not fit your country or product. Have a lawyer review your terms if you can afford it.

Getting visitors

A store with no traffic sells nothing. Honest options include helpful tutorials and articles about MT5 tools, a free utility that points to paid ones, a YouTube channel that explains how to use your tools and a presence on forums where traders discuss tools. Be careful with paid advertising: ad platforms often restrict financial and trading products and may require advertiser verification, so read the advertising policy for each platform before spending money.

A launch checklist

1. Payment gateway approved and a test purchase made with your own card.
2. Webhook verified and delivery email received.
3. Licence key works on a demo account and fails on another.
4. Terms, privacy, refund and risk pages live.
5. Support email monitored.
6. Backups of product files, source code and the customer database.
7. Product page reviewed against the honesty rules.

Costs to plan for

• Domain, hosting and an SSL certificate, often bundled by hosts.
• Gateway fees on every sale.
• Email delivery service, if you send many emails.
• Accounting and legal advice.
• Your time for support and updates.

What we could not confirm

• Whether Paystack, Flutterwave, Gumroad, Lemon Squeezy or Paddle will approve a given MT5 indicator merchant. Each decides case by case.
• Your specific tax and registration duties.

Frequently asked questions

Can I sell without a registered business? Some routes allow individual sellers and others do not. Ask each provider what it requires.

Can I accept dollars from abroad? International cards are charged at a higher rate on Paystack, and settlement is in naira by default with a USD option on its pricing page. Confirm the current terms.

Key takeaways

A direct store gives control and lower fees but needs payments, verified delivery, licensing, policies, tax records and support. Confirm the provider accepts your product category before you build on it, and test the full purchase flow before launch.

Sources checked

• Paystack, pricing page, paystack.com
• 2026 reviews and comparisons of Nigerian payment gateways (learnwithhasan.com, brands.ng, awajis.com), used for context and flagged where unconfirmed
• Paddle, “What products am I not allowed to sell on Paddle”, paddle.com
• Lemon Squeezy documentation, “Prohibited Products”, docs.lemonsqueezy.com
• MQL5 Reference, WebRequest, mql5.com