Pay With Bank

Paystack's Bank-based payments. How do they work? What can you do with them?

Our Pay with bank feature allows your customers pay you by providing their bank account number and an OTP sent to their phone. In the case of GTB, your customers will be shown the ibank interface to conclude payment.

Using Pay With Bank on Inline and Standard

To use this feature on your paystack account on Paystack Inline and Paystack Standard. Ensure the "Allow Bank Payments" option on the Dashboard > General Preferences page is checked.

Per transaction

For grainy control, specify a channels array when calling Initialize Transaction or when starting Paystack Inline .

API Endpoints

You can also collect your customer's bank account number directly to start a Pay With Bank transaction. In test mode, use one of our test bank accounts . Note that only banks listed by this api call: https://api.paystack.co/bank?gateway=emandate&pay_with_bank=true are supported at the time your customer is about to pay.

Starting a transaction

Handling API responses

  1. data.status = pending
  1. data.status = timeout
  • action to take: no remedy, you may start a new charge after showing data.message to user
  1. data.status = success
  • action to take: Give value after checking to see that all is in order.
  1. data.status = send_birthday
  • response will include data.display_text
  • action to take:
    • show data.display_text to user with input for Birthday
    • call Submit Birthday with reference and birthday
  1. data.status = send_otp
  • response will include data.display_text
  • action to take:
    • show data.display_text to user with input for OTP
    • call Submit OTP with reference and otp
  1. data.status = failed
  • response will include data.message
  • action to take: no remedy, start a new charge after showing data.message to user
  1. status = false
  • response will include message
  • action to take: log so you may debug your logic

Charging returning customers directly is not currently available

Simply provide the account number again to start the transaction for a returning customer. Note that bank authorizations are not currently reusable so doing a charge authorization on them will fail. This document will be updated as soon as direct debits are available.