Paystack

Overview

Paystack is Africa’s leading payments infrastructure provider, enabling businesses to accept payments from customers via cards, bank accounts, mobile money, USSD, QR codes, and bank transfers. The platform operates in Nigeria, Ghana, South Africa, Kenya, and Côte d’Ivoire, supporting both online and in-person payments.

Countries

Nigeria, Ghana, South Africa, Kenya, Côte d’Ivoire

Currencies

NGN, GHS, ZAR, KES, USD

Integration

Popup JS, Redirect, Mobile SDKs, Terminal

Settlement

Same day for transfers (10 PM), next working day for cards

Key Features

Accept Payments

Multiple integration methods: Popup JS, Redirect API, Mobile SDKs for collecting one-time and recurring payments

Subscriptions

Create plans and manage recurring subscription billing with automatic charges

Transfers

Send money to bank accounts and mobile money wallets with single or bulk transfers

Dedicated Virtual Accounts

Customer-specific bank accounts for receiving transfers (Nigeria & Ghana)

Terminal

In-person payment solutions: Physical Terminal, Virtual Terminal, and Terminal API

Split Payments

Split transaction settlements between main account and subaccounts

Payment Channels by Country

Nigeria (NGN)
Ghana (GHS)
South Africa (ZAR)
Kenya (KES)
Côte d'Ivoire (XOF)

Cards: Visa, Mastercard, Verve
Bank Transfer: Virtual account transfers
USSD: Dial-to-pay codes
QR Code: Scan-to-pay
Apple Pay: Digital wallet

Integration Options

Popup JS (InlineJS)

JavaScript SDK for web payment integration with Popup checkout. Best for web applications requiring seamless in-page checkout.

const paystack = new PaystackPop();
paystack.newTransaction({
  key: 'pk_test_xxxxxxxxxxxxx',
  email: 'customer@email.com',
  amount: 10000, // Amount in kobo (100 NGN)
  onSuccess: (transaction) => {
    console.log('Payment successful!', transaction);
  },
  onCancel: () => {
    console.log('Payment cancelled');
  }
});

View Documentation

Mobile SDKs

Native SDKs for mobile platforms:

Android SDK: Kotlin/Java integration
iOS SDK: Swift/Objective-C integration
Flutter SDK: Cross-platform mobile apps

View Mobile Integration Guides

Server-Side Libraries

Official libraries for backend integration:

Node.js
Python
PHP
Ruby
Java
.NET

View Libraries

E-commerce Plugins

Ready-made plugins for popular platforms:

WooCommerce
Shopify
Magento
PrestaShop
Joomla
BigCommerce

View Plugins

Identity Verification

Paystack provides KYC tools for verifying customer identity and bank details:

Verify Account Number: Confirm bank account ownership before transfers (Nigeria & Ghana)
Validate Customer: BVN and identity verification for Dedicated Virtual Account customers
Resolve Card BIN: Get card information from the first 6 digits of a card number

Learn more about Identity Verification

Important Notes

All amounts are in smallest currency unit (kobo for NGN, pesewas for GHS, cents for KES/ZAR/USD)
Always verify transactions server-side before delivering value
Test mode uses test API keys (sk_test_*, pk_test_*)
Live mode uses live keys (sk_live_*, pk_live_*)
Webhooks provide real-time notifications; validate signatures using your secret key

Using with AI Tools

Add Paystack’s llms.txt to your AI context:

# Direct URL
https://paystack.com/llms.txt

# Or use with Claude Desktop
{
  "mcpServers": {
    "paystack": {
      "command": "npx",
      "args": ["-y", "@nigerianfintechllmstxt/server", "--provider", "paystack"]
    }
  }
}

Resources

API Documentation

Complete REST API reference with all endpoints

Developer Community

Join the Payslack community on Slack

OpenAPI Spec

Machine-readable API specification

Support Center

Help articles and customer support

llms.txt File

The Paystack llms.txt file is available at: Source: ~/workspace/source/paystack/llms.txt Online: https://paystack.com/llms.txt This file contains comprehensive documentation for:

Payment processing APIs
Transfer and payout endpoints
Customer management
Subscription billing
Identity verification
Terminal integration
Webhook events
Error codes and troubleshooting

Payment Platforms

Open Banking

Banking & Payments

Overview

Countries

Currencies

Integration

Settlement

Key Features

Accept Payments

Subscriptions

Transfers

Dedicated Virtual Accounts

Terminal

Split Payments

Payment Channels by Country

Integration Options

Identity Verification

Important Notes

Using with AI Tools

Resources

API Documentation

Developer Community

OpenAPI Spec

Support Center

llms.txt File

Build docs developers (and LLMs) love

Payment Platforms

Open Banking

Banking & Payments

​Overview

Countries

Currencies

Integration

Settlement

​Key Features

Accept Payments

Subscriptions

Transfers

Dedicated Virtual Accounts

Terminal

Split Payments

​Payment Channels by Country

​Integration Options

​Identity Verification

​Important Notes

​Using with AI Tools

​Resources

API Documentation

Developer Community

OpenAPI Spec

Support Center

​llms.txt File

Build docs developers (and LLMs) love

Overview

Key Features

Payment Channels by Country

Integration Options

Identity Verification

Important Notes

Using with AI Tools

Resources

llms.txt File