> ## Documentation Index
> Fetch the complete documentation index at: https://help.hedwigbot.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# Bank payouts: receive fiat alongside crypto

> Add payout bank accounts in Nigeria, Ghana, the US, and the UK so clients can pay invoices by bank transfer alongside crypto checkout.

Add an external bank account so your clients can pay invoices and payment links by direct transfer in their local currency, alongside crypto checkout. Hedwig auto-verifies Nigerian and Ghanaian accounts and (when configured) UK accounts. The bank details appear on every invoice and payment link with copy buttons for each field.

<Tip>
  The free plan includes one bank account. Pro accounts can save unlimited payouts across NG, GH, US, and UK and let clients switch currency on the public page.
</Tip>

## Supported countries

| Country        | Currency | Required fields                                                              | Auto-verification                                |
| -------------- | -------- | ---------------------------------------------------------------------------- | ------------------------------------------------ |
| Nigeria        | NGN      | Bank, 10-digit account number, account holder                                | Paystack `/bank/resolve`                         |
| Ghana          | GHS      | Bank, 10-digit account number, account holder                                | Paystack `/bank/resolve`                         |
| United States  | USD      | Bank name, 9-digit routing, 4–17-digit account, account holder, type         | Manual (Plaid coming later)                      |
| United Kingdom | GBP      | Bank name, 6-digit sort code, 8-digit account, account holder; IBAN optional | GoCardless modulus check (when token configured) |

## Add a bank account

<Steps>
  <Step title="Open Settings">
    Web: **Settings → Payout banks**. Mobile: **Profile → Payouts**.
  </Step>

  <Step title="Choose a country">
    Pick from the country dropdown. The form swaps fields based on what the country requires (sort code for UK, routing number for US, etc.).
  </Step>

  <Step title="Enter bank details">
    For NG and GH, select your bank from the searchable list (sourced from Paystack). For US and UK, type the bank name freely.
  </Step>

  <Step title="Hedwig verifies the account">
    For NG and GH, the account holder name resolves automatically once you enter a 10-digit account number. The form pre-fills the holder from the verification response.
    For UK, modulus check runs at save time when GoCardless is configured. US accounts save unverified.
  </Step>

  <Step title="Save">
    The first account you add becomes the default. Toggle **Show on invoices** if you want to keep an account but hide it from public pages.
  </Step>
</Steps>

## Default account

Exactly one bank account per user is the default. The default is preselected for clients on every public invoice and payment link. To change it:

* Find the account in **Settings → Payout banks**
* Click **Set default**

Deleting the default automatically promotes the most recently added remaining account.

## How clients see your bank details

On every public invoice and payment link page, the **Pay by bank transfer** card shows:

* Country flag and currency label
* Bank name
* Account holder name
* Full account number (with a Copy button)
* Routing / sort code / IBAN / SWIFT as applicable
* Account type
* A **Verified** pill if the account passed automatic verification

When you have more than one bank saved, clients see a **Choose currency** dropdown above the card and can switch between your accounts. The default account is preselected.

<Note>
  Account numbers are intentionally shown in full so clients can complete the transfer. Access is gated by the document URL, which only the issuer shares.
</Note>

## Mark as paid after a transfer

Bank transfers settle off-platform, so Hedwig cannot detect them automatically. After the funds land in your account:

<Steps>
  <Step title="Open the invoice or payment link">
    Go to **Payments**, find the unpaid record, and open the detail panel.
  </Step>

  <Step title="Tap Mark as paid">
    A dialog appears asking how you were paid.
  </Step>

  <Step title="Pick the payment method and add a reference">
    Choose **Bank transfer** (or crypto, cash, other). Optionally type the bank reference, transaction id, or note. Both fields persist on the document and appear in your revenue activity feed.
  </Step>

  <Step title="Confirm">
    The status flips to **Paid**, your client lifetime earnings update via the database trigger, and the activity feed gets a new entry.
  </Step>
</Steps>

<Tip>
  See [Mark as paid](/payments/mark-as-paid) for the full reference, including how the entry shows up in revenue analytics.
</Tip>

## Privacy and security

* Bank details are stored only in the `user_bank_accounts` table tied to your user id
* Cloudflare R2 and the public document endpoint never expose bank details unless the issuer has the row saved with `show_on_invoice = true`
* You can remove an account at any time. The data is hard-deleted; it cannot be recovered.

## Troubleshooting

<AccordionGroup>
  <Accordion title="My account number was not auto-verified">
    Auto-verification calls Paystack (NG / GH) or GoCardless (UK). If your environment lacks those API keys the account saves unverified. Verification can still happen later — re-save the same details once keys are configured. The account works on invoices either way.
  </Accordion>

  <Accordion title="Clients see only one account in the dropdown">
    The dropdown only appears with two or more saved accounts that have `Show on invoices` enabled. Add another account in Settings or toggle visibility on existing ones.
  </Accordion>

  <Accordion title="Free plan blocks me from adding a second account">
    The free plan includes one bank account. Upgrade to Pro from **Settings → Billing** to add accounts in additional countries.
  </Accordion>

  <Accordion title="The Verified pill never appears">
    NG and GH require `PAYSTACK_SECRET_KEY` to be configured; UK requires `GOCARDLESS_TOKEN`. US accounts are not auto-verified in v1.
  </Accordion>
</AccordionGroup>