Skip to main content
There are two ways to get paid, and you pick the one that fits your business: With your own provider account, customers pay into your own account. WifiPadi never holds your money — it reads the payment, activates the plan, and gets out of the way. With Instant Payments, the payment goes through WifiPadi’s account at Bachs on its way to your bank account, as described below. Go to Settings → Payments. You need at least one way to get paid connected before anyone can buy a plan. Which providers you are offered depends on the country you chose at signup. A provider that cannot sign up merchants there is not shown, because its checkout would fail rather than work badly. Connecting more than one is fine.

What they charge

Fees are set by the provider, not by us, and they change. Treat this as a guide and your provider’s own pricing page as the truth.
You never have to work this out yourself. WifiPadi reads the actual fee back from the provider on every online payment and shows it against that payment, so Payments tells you what you were really charged rather than an estimate. See Payments and revenue.

WifiPadi Instant Payments (no CAC needed)

If you do not have a registered company, you can still sell plans. Instant Payments works in Nigeria, Ghana, Kenya and Uganda. On Settings → Payments, the WifiPadi Instant Payments card is marked No CAC required in Nigeria and No registration required elsewhere, and is Recommended when you signed up as an Individual / starter. In Nigeria customers pay by bank transfer and card. In Ghana, Kenya and Uganda they pay by mobile money.
The WifiPadi Instant Payments card marked Recommended and No CAC required, showing Not configured, the message Add the bank account you want paid into, and a Set up Instant Payments button
1

Start setup

Select Set up Instant Payments. You are taken to a secure page run by Bachs, our payments partner.
2

Add your bank account

Give your name and the account you want to be paid into. Bachs checks it before you can be paid. You do not need a CAC or any business registration.
3

Come back and check

You are returned to Settings → Payments. Select Check status to see where you are.
The card tells you where you stand: Under the status, Available at customer checkout lets you hide Instant Payments from customers without losing your setup.
Instant Payments is different from your own provider account in one way that matters: the money passes through WifiPadi’s account at Bachs before it reaches your bank. With your own Paystack, Flutterwave or Squad account, it never does. If you later register a company, you can connect your own provider and use both. Connecting more than one is fine.

Withdraw your money

Each sale is added to your Instant Payments balance. It does not move to your bank by itself: you withdraw it. The steps below show a Nigerian bank account. In Ghana and Kenya you can add a mobile money wallet the same way. Your balance is at the top of Settings → Payments. Select Withdraw to open Balance and withdrawals. Only the workspace owner can add a bank account or withdraw, and their email must be confirmed.
1

Add your bank account

Select Add bank account.
Balance and withdrawals showing ₦25,000 available to withdraw and an Add bank account button
2

Check the account name

Choose your bank, type your 10-digit account number and select Check account. Your bank tells us whose account it is. If the name is yours, select Save bank account. If it is not, select Change and fix the number.
The bank account form showing Guaranty Trust Bank, account number 0123456789, and Account name: ADA OBI. Is this your account? with Save bank account, Change and Cancel buttons
3

Wait for Bachs to approve it

Bachs checks every new bank account before it can be paid. This usually takes a few minutes, and the page updates by itself. If it takes more than a day, contact support.
Balance and withdrawals showing: Bachs is checking Guaranty Trust Bank ····6789. This usually takes a few minutes. If it takes more than a day, contact support.
4

Withdraw

Once it shows Paid to your bank, type an amount and select Withdraw. Leave enough in your balance for the payout fee, which is taken on top of the amount. A withdrawal cannot be cancelled once it is sent.
Balance and withdrawals showing Paid to Guaranty Trust Bank ····6789, an amount of 1000 and a Withdraw button

Change the account you are paid to

Select Change payout account under Balance and withdrawals and add the new account the same way. Withdrawals keep going to your current account while Bachs checks the new one, which usually takes a few minutes. Once it is approved, select Use for payouts beside it. Your old account stays saved, so you can switch back the same way. Only the workspace owner can do this.

What to paste

From your Paystack dashboard, Settings → API Keys & Webhooks:Test keys (pk_test_ / sk_test_) are accepted so you can trial the flow, but they take no real money. Switch to live keys before you open to guests.
Secret keys are write-only. Once saved they show as •••••• and are never shown again — leave the field blank to keep the saved value, and only retype it when you are replacing it.

Connect the webhook

This is the step people skip, and it costs your customers minutes every time. After saving your keys, the settings page shows a Webhook URL. Paste it into your provider’s dashboard: The webhook is how your provider tells us a payment succeeded. With it, access is granted in seconds. Without it, a fallback check runs a few minutes later — the customer still gets online and you still get paid, but they wait, and some give up first.
The webhook URL is the same for every business on WifiPadi. That is expected. Payments are matched by reference and verified against your secret key, so another business’s webhook can never touch your payments.

Reading the webhook status

Under the URL, Paystack reports what is actually arriving:
The Connect your Paystack webhook section with the Webhook URL, a Copy button and the status Webhook connected, payments confirm instantly
The rejection state has no symptom you would otherwise notice. Payments still complete through the fallback check, so your revenue looks right and nothing appears broken — the only effect is that every customer waits minutes instead of seconds.It usually means the secret key here belongs to a different Paystack account than the one holding the webhook, or the key was rotated in Paystack and not updated here. Re-copy the secret key and save it again.

Customer transfer accounts (Paystack, Nigeria and Ghana)

With this on, each customer can get their own bank account number from Paystack. Anything they transfer to it lands in their WifiPadi wallet, ready to spend on plans — no checkout page, no card.
1

Ask Paystack to enable Dedicated Virtual Accounts

Paystack only issues these to registered businesses that have finished going live. Ask them to turn on Dedicated Virtual Accounts for your account.
2

Turn it on here

In Settings → Payments, open Paystack and switch on Customer transfer accounts. It is greyed out until your Paystack secret key is saved.
Your customers then see Create transfer account in their portal wallet. Each one agrees to share their name, email and phone number with Paystack before an account is made. The number appears once Paystack has created it, and transfers show in their wallet after Paystack confirms them.

Test it before you open

Buy the cheapest plan yourself from a phone on the WiFi.
  • Access should be granted within a few seconds of paying.
  • The payment appears under Payments as Successful.
  • The webhook line reads connected.
If access takes minutes, the webhook is not connected — the payment succeeding is not proof that it is.

Changing provider later

Save the new provider’s keys and connect its webhook. Existing plans and customers are unaffected; only new checkouts move to the new provider. Leave the old provider’s keys in place until any pending payments there have settled. Clearing a field removes those credentials, and a pending payment can no longer be verified without them.