IS PAYSTACK DOWN TODAY?

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

South Africa: Capitec Scheduled Maintenance
July 18, 2026
Type: Maintenance Affected Components: Capitec Pay Jul 16, 14:25:43 GMT+0 – Identified – Capitec will be conducting scheduled maintenance on **Sunday, 19 July 2026**, starting at **01:00** and concluding at **04:00** (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)
South Africa: Nedbank Scheduled Maintenance
July 18, 2026
Type: Maintenance Affected Components: Cards, QR Jul 15, 16:17:39 GMT+0 – Identified – Our acquiring partner, Nedbank, will be conducting scheduled maintenance on **Sunday, 19 July 2026**, starting at **00:00** and concluding at **06:00** (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)
Ghana: MTN Maintenance
July 16, 2026
Type: Maintenance Duration: 7 hours Affected Components: Mobile Money, Mobile Money Jul 16, 22:03:18 GMT+0 – Identified – MTN will undergo a system maintenance from 16-07-2026 23:00:00 to 17-07-2026 06:00:00GMT. During that time, customers using MTN to make payments and receive disbursements via Paystack might experience some service disruption. However, other payment methods such as pay with bank transfer, cards and other mobile money services, as well as disbursements to bank accounts and other mobile money accounts, will not be affected. Jul 16, 22:15:01 GMT+0 – Identified – Maintenance is now in progress Jul 17, 05:15:00 GMT+0 – Completed – […]
Ghana: Ghipss System Downtime
July 16, 2026
Type: Incident Duration: 56 minutes Affected Components: Bank, Mobile Money Jul 16, 16:13:46 GMT+0 – Investigating – We are currently experiencing an issue with **Transfers** due to downtime on Ghipss platform. This is causing most transfers to fail. Our team is in active communication with Ghipss, and we are working closely with them to restore full service as quickly as possible. We’ll share further updates as soon as they are available. Jul 16, 17:09:19 GMT+0 – Resolved – This incident has been resolved.
South Africa: Preauthorizations failing
July 15, 2026
Type: Incident Duration: 26 minutes Affected Components: Cards Jul 15, 09:02:02 GMT+0 – Investigating – We are seeing an increase in failures for preauthorization initilize requests. The issue has been escalated to our 3rd party partners. Jul 15, 09:17:41 GMT+0 – Monitoring – The issue was related to the Mastercard 3DS incident. It has recovered now. We will continue to monitor. Jul 15, 09:28:10 GMT+0 – Resolved – This incident has been resolved.

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