Settlement and Payouts on Paystack in Ghana

Paystack Ghana settles to your Ghanaian bank account 1-2 business days after the transaction date. Banks supported for settlement: GCB, Ecobank Ghana, Stanbic Bank Ghana, Access Bank Ghana, Absa Ghana, Fidelity Bank Ghana, Cal Bank.

// Create a GHS bank account recipient
async function createGHSBankRecipient(name, accountNumber, bankCode) {
  var res = await fetch('https://api.paystack.co/transferrecipient', {
    method: 'POST',
    headers: { Authorization: 'Bearer ' + process.env.PAYSTACK_SECRET_KEY, 'Content-Type': 'application/json' },
    body: JSON.stringify({ type: 'ghipss', name, account_number: accountNumber, bank_code: bankCode, currency: 'GHS' }),
  });
  var data = await res.json();
  return data.data.recipient_code;
}

// Create a GHS mobile money recipient (MTN MoMo)
async function createGHSMoMoRecipient(name, phone) {
  var res = await fetch('https://api.paystack.co/transferrecipient', {
    method: 'POST',
    headers: { Authorization: 'Bearer ' + process.env.PAYSTACK_SECRET_KEY, 'Content-Type': 'application/json' },
    body: JSON.stringify({
      type: 'mobile_money',
      name,
      account_number: phone, // e.g., '0241234567'
      bank_code: 'MTN', // or 'VOD' for Vodafone Cash, 'ATL' for AirtelTigo
      currency: 'GHS',
    }),
  });
  var data = await res.json();
  return data.data.recipient_code;
}

// Send GHS payout
async function sendGHSPayout(recipientCode, amountGHS, reason) {
  var res = await fetch('https://api.paystack.co/transfer', {
    method: 'POST',
    headers: { Authorization: 'Bearer ' + process.env.PAYSTACK_SECRET_KEY, 'Content-Type': 'application/json' },
    body: JSON.stringify({ source: 'balance', amount: Math.round(amountGHS * 100), recipient: recipientCode, reason, currency: 'GHS' }),
  });
  return res.json();
}

This guide is part of the Paystack by country guide.

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