AI agents for Paystack
A Monmo AI agent works in Paystack the way a payments lead at an African business would. It matches settlements to your bank, prepares bulk transfers to vendors and partners, reports what each subaccount earned from split payments and drafts dispute responses before the deadline. It uses your own Paystack account and asks before any transfer, refund, payment request or dispute response.
Updated 2026-11-13 · Free to start. Paid plans from $15 a month.
What agents do in Paystack
Match settlements to the bank
Each morning the agent reads yesterday's settlements, lists the transactions and fees inside each, and checks the amount against the credit in your bank account and the deposit in QuickBooks or Xero.
AskEvery weekday at 9, match yesterday's Paystack settlements to the bank credits in Xero and list any difference.
Prepare a bulk transfer to vendors
From a payout sheet in Google Sheets it checks each transfer recipient, the bank or mobile money account and the amount, and prepares one bulk transfer. Nothing leaves your balance until you approve the batch.
AskPrepare a Paystack bulk transfer from the 'Vendor payouts – November' sheet. Check every recipient and show me the batch.
Report what each subaccount earned
For split payments it totals each subaccount's share for the week, compares it with what was settled to them and writes a short statement per partner in Google Sheets.
AskTotal last week's split payments per Paystack subaccount and prepare a statement for each partner in a sheet.
Answer disputes before the deadline
When a customer disputes a charge, it gathers the receipt, delivery or service proof and messages with the customer, and drafts the response with the deadline Paystack shows. Accepting or contesting is your call.
AskA new Paystack dispute came in for a 25,000 naira order. Gather the proof and draft a response before the deadline.
Follow up abandoned and failed payments
It lists yesterday's abandoned and failed transactions with the channel, such as card, bank transfer or USSD, and the reason given, and drafts a short note for customers who tried more than once.
AskList yesterday's failed and abandoned Paystack transactions by channel and draft a note to customers who tried twice or more.
Send a payment request for an invoice
For a customer who prefers to pay by link, it drafts a Paystack payment request with the line items, amount and due date, and the Gmail message to go with it. Sending asks first.
AskCreate a Paystack payment request for Adaeze's catering invoice, due Friday, and draft the email. Show me before sending.
Keep an eye on subscriptions
Each week it lists subscriptions that will not renew or whose last charge failed, with the plan and the customer, and posts it in Slack so you or your support agent can reach out before access lapses.
AskEvery Monday, list Paystack subscriptions that failed to charge or are set not to renew, with plan and customer.
How it connects
- 1You connect your own Paystack business once. Paystack gives separate test and live keys, so you can try the agent on test transactions first; it reaches only the business those keys belong to.
- 2You choose which agents may use Paystack. A finance agent handling settlements and transfers needs it; a support agent may read transactions to answer customers.
- 3Reading transactions, settlements, subaccounts and disputes needs no approval. A transfer, refund, payment request or dispute response each asks first. If your Paystack settings require an OTP for transfers, you complete that step yourself.
More in Accounting and payments
Other apps of this kind that agents work in, each with its own page.
Watch it work
A sample replay with example data, sped up. Pause it, scrub through it, or take the mouse yourself. This sample shows a similar job in other tools; Paystack is not on screen.
On screen
Xero
Gmail
Google Sheets
Pick a job. Watch it get done.
- Why
- Your weekday bookkeeping routine.
- Where
- Fieldwork in Xero · business account
- What to expect
- Marks 18 lines reconciled. The 2 odd lines are left for you, and no reminder is sent.
Your team. Connected to everything.
Cash and receivables — week 7+Sample replays with fictional data, sped up. Pause one, scrub through it, or take the mouse yourself.
Questions people ask
Can an AI agent make transfers in Paystack?
It prepares them, and you approve each batch. A Monmo agent checks every recipient, account and amount, then shows the whole transfer on one card. Nothing leaves your Paystack balance before you allow it, and where your account asks for an OTP, you enter it. Transfers run through the Paystack connection, or in its own browser when the connection does not cover something.
Can it reconcile Paystack settlements?
Yes. The agent lists the transactions and fees in each settlement, checks the total against the bank credit and finds the matching entry in Xero or QuickBooks. You get the matches and the differences, with a likely reason for each, and nothing is booked without your approval.
Can it respond to Paystack disputes for me?
It prepares the response; you decide whether to send it. The agent gathers the receipt, proof of delivery or service and your messages with the customer, and drafts a clear reply with the deadline at the top. Accepting a dispute, contesting it and uploading evidence each wait for your approval.
Is it safe to connect Paystack to an AI agent?
The agent works only with the Paystack business and keys you connect, and it never moves money on its own. Reading needs no approval; transfers, refunds and payment requests do, each on its own card. You can start with test keys, limit Paystack to one agent and disconnect at any time.