Pay with Transfer

The Pay with Transfer channel which is currently only available in Nigeria, allows customers to pay you via a bank transfer by tapping on the Transfer option on the Paystack Checkout and Paystack Terminal. When they tap on Transfer, we instantly generate a Paystack-Titan or Wema bank account number to which they can make a bank transfer payment.

Most customers make bank transfers from their bank's mobile app. Once they do, the transaction is automatically approved, and the paid amount immediately reflects on your Dashboard like any other Paystack payment. 

Do the bank accounts expire?

Yes, the account numbers generated will expire after 30 minutes. That means the transfer has to be made within 30 minutes from when the account number is generated. If a transfer is made to the account number outside the 30-minute window, we will automatically initiate a refund to the customer.

What happens if my customer makes a transfer of the wrong amount?

If a customer pays the wrong amount, we will automatically initiate a refund to the customer.

What happens if my customer makes multiple transfers into one of the generated accounts?

If a customer pays more than once or makes multiple transfers into one of the generated accounts, we will automatically initiate a refund of the excess payment(s) to the customer.

What are the transaction charges for the Pay with Transfer channel?

• The charge per transaction is 1.5% + NGN 100.
• The NGN 100 is waived for transactions below NGN 2,500. This means that for transactions. Below NGN 2,500, the charge will be 1.5% only.
• Fees are capped at NGN 2,000, meaning no transaction will be charged more than NGN 2,000.

Can customers make recurring payments via the Pay with Transfer channel?

It's currently not possible for customers to make recurring payments with the Pay with Transfer channel.