Wire a payment method to a gateway

Each payment method (Cash, Card, Bank Transfer…) can be wired to a gateway provider that processes the charge automatically. This is what makes the ⚡ Charge button appear at POS and on Invoices. Without a gateway wired up, the method falls back to manual entry — the cashier records the tender but the system doesn't reach out to a payment processor.

Two flavours of gateway are supported, and they need slightly different prep work:

Using your own Paystack account? (Setup → Gateway Credentials, see Use your own Paystack account.) Then the bank account needs no subaccount: in the steps below, Add gateway to this account → Paystack just shows Ready to attach — press Attach Paystack. The money lands in the bank account set on your Paystack dashboard.

Do this after you press Activate on your own Paystack account. Until it is active, Paystack charges still run on the shared Business Sensor account, so the attach window shows Activate your own Paystack account first instead of the Attach button.

Before you start

• For Paystack: the Bank account you want the funds to land in must already have an active Paystack subaccount.
• For Moniepoint / Opay / Squad: you must have already saved your provider credentials at Setup → Gateway Credentials and registered at least one terminal at Setup → Payment Terminals. Without these the picker for the provider name will save fine but the cashier's Charge button will fail at runtime.
• Decide whether this method should auto-charge customers (Card / Online) or be manual entry only (Cash / Cheque).

Steps — gateway-backed method (e.g. Card)

1. Open Setup → Payment Methods.
2. Click + New or open an existing method (e.g. Card).
3. Fill in Code, Label, Category.
4. Under Default Posting, set Default Destination Account to the Bank account that carries the Paystack subaccount.
5. Scroll to the Gateway section below the form. It reacts to the chosen Destination Account:
   • No Destination Account picked yet → "Pick a Default Destination Account first."
   • Account has no gateways → amber banner with Add gateway to this account — opens the same dialog as Chart of Accounts so you can set up Paystack here without leaving the screen.
   • Account has gateways → dropdown lists each provider. Pick Paystack.
6. A green Routing confirmed card appears showing the resolved subaccount, bank, and account number. Confirm those are correct.
7. Click Save.

Steps — terminal-driven method (e.g. Card on Moniepoint)

1. Open Setup → Payment Methods.
2. Click + New or open the method that will route to a card terminal (e.g. Card (Moniepoint)).
3. Fill in Code, Label, Category (typically Card).
4. Under Default Posting, set Default Destination Account to the Bank account where settlement should land. (No Paystack subaccount needed — Moniepoint settles directly to your bank account.)
5. In the Gateway section, the provider dropdown lists all configured gateways. Pick Moniepoint (or Opay / Squad).
6. Click Save. Unlike Paystack, you won't see a "Routing confirmed" subaccount card — terminal providers have no subaccount routing concept. Instead, the cashier picks the actual physical device at charge time.
7. Verify end-to-end: open POS, ring a tiny test sale, pick this method, click ⚡ Charge via Moniepoint, and confirm the terminal picker shows your registered devices. If it shows "No registered terminals", go back to Setup → Payment Terminals and add one.

Steps — manual-entry method (e.g. Cash, Cheque)

1. Open the method's edit dialog.
2. Set the Category to Cash, Cheque, or Credit.
3. The Gateway section automatically locks to Manual entry only — there is no provider to pick, because these categories never auto-charge.
4. Set the Destination Account if you want a default (e.g. Cash → Main Cash Drawer) and Save.

How the routing flows at sale time

PaymentMethod → its Default Destination Account → that account's Paystack subaccount → the Charge button uses that subaccount code on every transaction. So setting up one method correctly enables cashless charging everywhere that method appears (POS Checkout, Invoice payment editor, etc.).

Tips

• Share a bank across two methods: e.g. one Card (Paystack) method and one Bank Transfer (Paystack) method can both point at the same Bank account — Paystack settles them together, your reports break them out by method.
• One bank, two providers: if a single Bank account later carries both Paystack and Stripe subaccounts, the Provider dropdown will offer both. You'd typically create a separate Payment Method for each provider so the cashier picks intent at the till ("Card (Paystack)" vs "Card (Stripe)").
• The platform fee for the gateway is set centrally — you can't override it here. You'll see it on the gateway-setup dialog.

Common problems

• No green "Routing confirmed" card after picking a provider → the chosen Destination Account's Paystack subaccount may have been deactivated; open the Bank account in Chart of Accounts and check the gateway row.
• Gateway picker is disabled with "Pick a Default Destination Account" → fill the Destination Account first; the picker reads from that account.
• "⚡ Charge" button doesn't appear at POS after editing the method → re-check that the method actually has a Provider selected. For Paystack the picker also requires the Destination Account to have an active Paystack subaccount. For terminal providers no subaccount is needed, but the credentials and at least one active terminal must exist.
• Charge button shows but the cashier sees "No registered terminals" → the Moniepoint/Opay/Squad provider was picked here, but no devices are registered at Setup → Payment Terminals. Register at least one.
• "Paystack payments are paused for this bank" (and the cashier's charge is refused) → Paystack was attached to this bank for your own Paystack account, and that account is no longer active, so charges would run on the shared account with no subaccount to pay you. Add a Paystack subaccount to the bank in Chart of Accounts → Payment Gateways → Edit, or activate your own account again at Setup → Gateway Credentials.
• "Activate your own Paystack account first" when attaching Paystack → your own Paystack account is connected but not active yet. Finish its checklist and press Activate at Setup → Gateway Credentials, then come back.
• Category is Cash but I want cashless → change the Category to Card, Transfer, Digital, or Other; manual-only categories explicitly block gateway routing.