Payment gateways — wire a Paystack subaccount to a Bank account

When customers pay cashlessly (bank transfer or QR code), the money settles into one of your bank accounts. This screen tells the system which bank receives the funds and through which gateway (e.g. Paystack). One bank account can carry several gateways; one tenant can have several bank accounts, each with its own.

Before you start

• Decide which Bank account in your Chart of Accounts the funds should land in (Account Type must be Bank, Cash, or Current Asset).
• Have the bank details ready for that account: bank name, settlement bank code (we'll look it up for you from a list), and the account number that Paystack will deposit into.
• The platform fee is set centrally by your provider; you'll see what it is but you don't enter it. The remainder of every charge goes to your bank.

Set up your first gateway (Create new)

1. Open Chart of Accounts from the left navigation.
2. Find or create the Bank account that will receive the funds. Click it to open the edit dialog.
3. Scroll past the form to the Payment Gateways panel near the bottom.
4. Click + Add Paystack. A small dialog opens with two tabs at the top: Create new and Link existing. The blue band at the top of the dialog tells you the platform fee and what percentage of each charge your bank will receive.
5. Stay on Create new, then fill in:
   • Country — the country your bank is in (default Nigeria).
   • Business name — your registered business name as Paystack will record it.
   • Bank — pick from the dropdown (search by name).
   • Account number — the 10-digit account number at that bank.
6. Click Create + activate. We call Paystack on your behalf — they validate the account in real time and refuse if the name doesn't match. On success the new ACCT_… code appears in the panel.

Use the same subaccount on more than one tenant (Link existing)

If you operate multiple businesses on this platform and they all settle into the same physical bank account, you don't need to register the same details twice. The first tenant creates the subaccount; everyone else can link it.

1. On the other tenant, open the same Bank account in Chart of Accounts.
2. + Add Paystack → switch to the Link existing tab.
3. Paste the ACCT_… code you already have from the first tenant.
4. Click Link + activate. We confirm with Paystack that the code exists and pull the bank name + account number to show on the row.

Confirm or refresh a stored gateway

The Payment Gateways panel lists every gateway attached to that account. Each row has three action icons on the right:

• Validate (checkmark badge) — re-checks the subaccount with Paystack and refreshes the displayed business name, bank, and percentage.
• Edit (pencil) — change the cached display fields. Bank routing details themselves are managed on the Paystack dashboard; the Validate button re-pulls anything that changed there.
• Delete (trash) — remove the wiring from this account. The subaccount on Paystack's side is untouched.

What the activated row enables

Once an active Paystack row is on a Bank account, that bank account becomes a valid Destination Account for any Payment Method that should route through Paystack. Until you wire a Payment Method to this account (see Wire a payment method to a gateway), nothing actually charges through it yet.

Tips

• One bank, many gateways: same account row, add Paystack today, Stripe later — they don't interfere.
• Many banks, one gateway: set up Paystack on Bank A AND Bank B if you want different products / shops / outlets settling to different banks.
• After Link existing, the Bank code on the row stays blank (Paystack's fetch returns the bank name instead of the code) — that's normal. The bank name is what you'll see on every screen.

Common problems

• "Couldn't reach Paystack right now" → temporary network glitch on our side or Paystack's. Retry in a moment.
• "Paystack did not recognise that subaccount" (Link path) → check that you pasted the full code including the ACCT_ prefix and that the code came from the same Paystack environment (test code can't link in production).
• "This account has no gateways" seen elsewhere (e.g. on the Payment Method screen) → set one up here first.
• Account doesn't appear in the dropdown when you try to use it elsewhere → its Account Type must be Bank, Cash, or Current Asset, and it must be active.