Blog

Paystack is a Nigerian financial technology company that offers payment processing services to businesses and was acquired by Irish-American financial services company Stripe for $200M in 2020.

Paystack is one of the biggest payment processor in Nigeria and Africa as a whole. Do you want to know if paystack is down today?

check out their live transaction status below.

PAYSTACK NETWORK STATUS TODAY

• CIV: Wave Maintenance
  September 1, 2026
  Type: Maintenance Affected Components: Mobile Money Aug 28, 19:50:14 GMT+0 – Identified – Our partner, Wave Mobile Money will undergo a system maintenance from 01 September 2026 04:00 to 01 September 2026 04:30 GMT. During that time, customers using Wave to make payments via Paystack might experience some service disruption. However, other payment methods such as cards and other mobile money services, will not be affected.
• South Africa: Increased failure rate for Capitec Pay
  August 28, 2026
  Type: Incident Duration: 3 hours and 3 minutes Affected Components: Capitec Pay Aug 28, 05:40:23 GMT+0 – Monitoring – Capitec Pay has been stable again since 7:10 SAST. We will continue to monitor. Aug 28, 06:21:30 GMT+0 – Resolved – This incident has been resolved. Aug 28, 03:18:19 GMT+0 – Investigating – We are seeing an increase rate of failure for Capitec Pay requests. The issue has been escalated to Capitec. Aug 28, 04:02:32 GMT+0 – Resolved – Capitec Pay transactions are processing normally again. Aug 28, 04:33:38 GMT+0 – Investigating – Capitec performance has degraded again.
• Increased Failure Rates on Access Bank card transactions
  August 26, 2026
  Type: Incident Duration: 39 minutes Affected Components: Cards Aug 26, 13:06:11 GMT+0 – Investigating – We are seeing an increase in failure rates on transactions made with cards issued by Access Bank, due to a service issue on the bank's side. We have notified the Access Bank team and are working with them to resolve this as quickly as possible. In the meantime, customers may experience declines when paying with their Access Bank cards. Other payment channels (transfer, USSD, other banks' cards) remain unaffected. We will share updates as soon as we have them, and we apologize for any inconvenience […]
• South Africa: Capitec Scheduled Maintenance
  August 21, 2026
  Type: Maintenance Duration: 1 hour Affected Components: Capitec Pay Aug 21, 10:22:13 GMT+0 – Identified – Capitec will be conducting scheduled maintenance on **Saturday,​ 22 August​ 2026**, starting at **01:00** and concluding ​a​t **02:00** (SAST). **What does this mean for you?** Capitec Pay will be unavailable during the maintenance window. Other payment channels remain operational. Should you have any questions or concerns, please reach out to us on [support@paystack.com](mailto:support@paystack.com) Aug 21, 23:00:01 GMT+0 – Identified – Maintenance is now in progress Aug 22, 00:00:00 GMT+0 – Completed – Maintenance has completed successfully
• South Africa: Absa Scheduled Maintenance
  August 19, 2026
  Type: Maintenance Duration: 1 hour Affected Components: Cards Aug 5, 15:58:45 GMT+0 – Identified – Our acquiring partner, Absa, will be conducting scheduled maintenance on **Thursday,​ 20 August​ 2026**, starting at **01:00** and concluding ​a​t **02:00** (SAST). **What does this mean for you?** Redundant connectivity is in place and there is no downtime expected, however, you may experience minor disruptions on the network during the maintenance window. Should you have any questions or concerns, please reach out to us on [support@paystack.com](mailto:support@paystack.com) Aug 19, 23:00:01 GMT+0 – Identified – Maintenance is now in progress Aug 20, 00:00:00 GMT+0 – Completed – […]

ALSO CHECK IS KUDA DOWN TODAY ?

Paystack Faqs

How Secure is Paystack ?

Paystack is a PCI-certified, auditor certified, PCI Service Provider Level 1 – the highest certification level. All connections to paystack services are forced to happen over HTTPS using TLS 1.2 (SSL). Paystack uses HSTS to ensure browsers interact with Paystack only over HTTPS.

How secure is Card Information on Paystack?

Card details are encrypted using AES-256 GCM while the decryption keys are stored on a separate machine. As such, cards are not stored as plain numbers but securely hidden even from Paystack personnel and systems. The only actions our systems can take is to request that card details be sent to a service provider.

Does Paystack have Fraud Prevention

Paystack has developed an internal decision support system that uses intelligent rules to determine the risk factor of a transaction or customer and blocking payment from being made if it does not pass the necessary checks. This decision is based on a combination of multiple factors such as geolocation, IP addresses, purchase and behaviour history, and so on.

Merchants on Paystack have also been equipped with a dashboard that allows them to blacklist customers that have been fraudulent, which further helps the general system to learn and prevent such behaviour.

What time does Paystack settle funds

Your money is automatically settled to your account in two working days (T+2). So payments received on Teusday, for example, will be settled on Thursday.

What is Pay by 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 Zenith 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