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This tab connects the account that money from your customers lands in. It is entirely separate from how you pay ClinikEHR for the software.

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What this tab controls

You do not choose the provider — your currency does. Set Currency to Naira on Billing and plans and this tab shows Paystack Connect. Set it to anything else and it shows Stripe Connect. Only one card is ever on screen, and there is no picker. The clinic owner or a manager can connect. Everyone else sees the accounts read-only, with no account numbers, and the button replaced by “Only the clinic owner or a manager can connect a payment account.”

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Connect Paystack (Naira)

1

Select Connect Bank Account

The onboarding form opens in place of the empty state, which reads “No bank account connected”.
2

Enter a business name, if you want one

Business Name (optional) — “Used to identify your account on Paystack. Defaults to your account name.”
3

Choose your bank

Open Bank and search. It reads “Loading banks…” for a moment while the list arrives.
4

Enter the account number

Account Number — the placeholder is “Enter 10-digit NUBAN”. Ten digits, numbers only.
5

Wait for the name to resolve

As soon as the tenth digit lands, verification runs by itself — there is no verify button. You see “Verifying account…”, then the account holder’s name in green with “Account verified” beneath it. Read that name. If it is not your pharmacy, you have the wrong account.
6

Connect

Select Connect Bank Account again to confirm. It is disabled until a name has resolved. You get “Bank account connected successfully!” and a ● Connected badge.

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Connect Stripe (every other currency)

1

Select Connect Stripe Account

The button changes to “Redirecting to Stripe…” and hands you to Stripe.
2

Complete Stripe's onboarding

Stripe asks for your business details, an identity document and a bank account. This is Stripe’s own process, not ClinikEHR’s, and it can take a few days to verify.
3

Come back and read the banner

You return to a banner: “Stripe account connected!”, or “Onboarding incomplete”, or “Session expired” if you took too long. An expired session is not a failure — start again.
4

Finish anything outstanding

While the badge reads ◌ Pending verification you cannot take money: “Onboarding incomplete — your clinic cannot charge patients yet.” Select Continue setup to go back to Stripe.

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What changes once you connect

What does not change: cash and card taken in person at the till are unaffected. The POS keeps working exactly as before whether or not this is connected — see Taking payment. Nothing already recorded is altered, and the badge going green does not retroactively collect an old balance.
Read the wording on this tab carefully: Connect Bank Account means “the account my customers’ money arrives in”, not “the card I pay my ClinikEHR subscription with”. For the latter, see Payment methods.

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Multiple accounts, a default, and switching between them

You can connect up to 3 Stripe accounts and 3 Paystack accounts (active and deactivated ones both count toward that limit — it exists to stop payouts being redirected by cycling through accounts). Exactly one account per provider is the default, and every new charge, payment link, membership sale and Auto Pay attempt uses it.
  • The first account you connect becomes the default automatically. Connecting a second or third never silently takes over payouts — it starts inactive-as-default (still usable once verified, just not the one new money goes to) until you choose Make default.
  • Make default is disabled with a tooltip until the account can actually accept charges (Stripe: onboarding complete and charges enabled; Paystack: onboarding complete).
  • Deactivate never deletes. Before you confirm, the dialog shows exactly what is still tied to the account — active memberships still billing on it, and saved cards on it — so nothing is a surprise. If you deactivate the current default, you are asked which of your other active accounts should take over; with none available, the tab shows as not connected until you reactivate or connect one.
  • Reactivate brings a deactivated account back, but it does not become the default by itself — choose Make default separately if you want that.
  • Nothing already running moves when the default changes. A membership sold on an older account keeps billing there, and a refund always goes back through the account that took the original payment — never the new default.
  • A card saved on an account that is no longer the default is shown as “saved on a previous payment account” and is never charged again automatically. The None’s card is re-saved the next time they check out, pay through the portal, or pay a payment link — or you can send a payment link, or collect the card again at their next visit. Billing can see which None have a card that needs re-saving.

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Check it worked

The header badge should read ● Connected (Paystack) or ● Active (Stripe). On Stripe, both Onboarding: Complete and Charges: Enabled must be showing — one without the other means you cannot take money yet. Then send yourself a small invoice and pay it, and confirm it settles.

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Common issues

The currency decides it. Change Currency on Billing and plans — Naira gives Paystack, anything else gives Stripe — then come back.
The clinic owner or a manager can connect. Anyone else sees “Only the clinic owner or a manager can connect a payment account.” instead of the button.
It needs a bank selected and a verified account name. If the name never resolves, the digits or the bank are wrong. The errors are “Could not verify account” and “Failed to verify account”.
You get “Failed to load bank list”. Reload the page and try again; if it persists, contact support.
Stripe has not finished checking you. Select Continue setup and complete what they are asking for. Until Charges reads Enabled, no card payment will succeed.
“Your Stripe onboarding session expired. Please start again.” Nothing was lost — select Connect Stripe Account again.
That was the default and no other active account existed to take over. Reactivate the one you deactivated, or connect a new one, then select Make default. Anything already billing on the old account (a membership, for instance) kept going the whole time — deactivating never cancels what is already running.
Check which account it was saved on. A card saved on an account that is no longer the default shows “saved on a previous payment account” and is skipped on purpose, never silently — the customer needs to save a new card at checkout, through the portal, or on a payment link you send.