Virtual accounts
Customer reference, label, currency, optional expiry.
Product
The infrastructure behind your business payments.
Collections, virtual accounts, payment links, settlements, payouts, and transactions sit on one merchant account — not as separate products.
Collections
Inbound by channel
Payments
Transfer, card, links
Settlements
Pending to completed
Virtual accounts
NGN, USD, GBP, EUR
Transactions
Success, pending, failed
Payouts
Single, bulk, banks
StockBill
Merchant workspace
Payment links
Fixed or flexible NGN, share URL, deactivate or cancel.
Collections
Channel, amount, and status on the same overview.
Settlements
Pending amount, batch history, CSV statements.
Payouts
Single, bulk CSV, and beneficiaries.
Payments
Every inbound channel lands in the same ledger
StockBill does not treat bank transfer, card, virtual accounts, and payment links as separate products. They are collection channels on one merchant account.
Bank transfer
Customers pay into a collection account. The payment shows on Transactions with channel “Bank transfer” and a status of success, pending, or failed.
Card
Card volume is tracked on the overview channel breakdown alongside the other inbound methods.
Payment links
Create a title, choose fixed or flexible amount in NGN, optionally set customer email and expiry, then share the URL.
Virtual accounts
Use the primary merchant account, or generate a dedicated account per customer reference.
Collection channels
By volume this month
Bank transfer
52% of volume
₦1.79M
Card
28% of volume
₦964K
Virtual account
15% of volume
₦516K
Payment link
5% of volume
₦172K
Invoice — April retainers
Fixed amount · NGN
- Amount
- ₦150,000
- Amount type
- Fixed
- Expiry
- 30 Apr 2026
pay.stockbill.com/pl_8f2a
Collections
Balance, pending settlement, and today's inbound on one screen
The merchant overview is built so collections are not a separate app. You see available balance, what is waiting to settle, today's inbound, and this month's transaction count together.
Merchant balance
Available for payout once verification is complete.
Pending settlement
Held separately until the next settlement batch processes.
Today's collections
Inbound payments for the current day, next to the weekly collection chart.
Merchant balance
₦ 2,847,500
Pending settlement
₦ 412,000
Today's collections
₦ 743,500
Total transactions
1,284
Virtual accounts
Issue an account, then reconcile against the customer
Creating a virtual account asks for a customer reference, an account name or label, a currency, and an optional expiry. Active accounts keep receiving payments; expired accounts stop.
Currencies
NGN, USD, GBP, or EUR at create time.
Statements
Account detail supports download, view, and export of payment history once payments exist.
Customer collection accounts
Issue an account per customer reference
- NGN · active
Alex Johnson
CUS-7721
- USD · active
Merchant Escrow
CUS-8832
Create with customer reference, account label, currency (NGN, USD, GBP, EUR), and optional expiry.
Settlements
Follow a batch from pending to completed
Reports & Settlements is where merchants filter by date, watch pending vs completed batches, and download a statement CSV with reference, date, amount, status, and currency.
Pending
The overview pending-settlement figure is the amount still waiting on the next batch.
Processing and completed
History rows use completed, pending, or processing so operations can see what has landed.
Statements
Download settlement-statement files for the selected date range.
Settlement history
Download statement as CSV
STL-2026-001
Settlement batch
₦425,000
completedPending settlement
Awaiting next batch
₦412,000
pending
Payouts
Send funds to Nigerian bank accounts from the same workspace
The sidebar calls this Payouts; the screen itself is Transfers. Merchants run a single transfer, upload a bulk CSV, or pay a saved beneficiary.
Single transfer
Bank, account number, amount in naira, optional description, then a confirmation step.
Bulk transfers
CSV columns: account number, bank, amount, debit currency amount, description.
Beneficiaries
Store bank, account number, account name, and currency so repeat payouts do not start from a blank form.
Initiate payout
Send to a saved beneficiary or new account
- Bank
- Access Bank
- Account
- 004574000483
- Amount
- ₦70,000
Transactions
Search, filter, export, then open the receipt
Transactions is the operational list for collections and withdrawals. Filter by success, pending, or failed, search by reference or account, and export CSV.
Detail
Each transaction opens to amount, status, date, currency, and linked account, with a status timeline.
Receipts
Completed transactions can download or view a receipt.
Empty state
If there is no activity yet, the table says collections will appear here — it does not invent volume.
Recent transactions
Search by reference, filter by status, export CSV
| Reference | Channel | Amount | Status |
|---|---|---|---|
| TXN-8F2A91 | Virtual account | ₦125,000 | success |
| TXN-7C1B44 | Payment link | ₦48,500 | success |
| TXN-6D9E02 | Bank transfer | ₦200,000 | pending |
Merchant dashboard
The workspace that holds all of this together
Overview, transactions, virtual accounts, payouts, payment links, API & webhooks, settlements, and settings — one sidebar, one account.
Access
Give the team a role that matches the work
Settings → Team invites members as Manager, Support, Auditor, or Developer. Owner remains on the member table.
Manager
Full access to operations, payouts, and reports. Cannot manage team or API keys.
Support
View transactions and assist customers. Read-only, no financial actions.
Auditor
Read-only access to financial data and reports.
Developer
API keys, webhooks, and developer tools. No financial transaction access.
Enterprise — CBN KYC requirements
Put the full workspace behind your business.
Virtual accounts, payment links, settlements, and payouts are the same screens you will open after you register — not a separate product tour.