Business payments
AI-Assisted Payments vs Typing Account Details Manually
Your supplier sends their bank details in a message. You switch apps, copy the account number, select the bank and enter the amount.
AI-assisted payments give you another way to prepare that transfer: describe the payment or provide the details for the app to read.
AI can reduce the work of entering payment details. Manual entry lets you fill in each field yourself. With either method, you still need to check the recipient, amount and fee before authorising the payment.
The useful question is where assistance saves you effort—and when entering the details yourself is easier.
What is an AI-assisted payment?
An AI-assisted payment starts with an instruction rather than a set of fields.
For example:
“Send ₦3,500 to Tobi for lunch.”
The app interprets your request and prepares payment details for you to review. Depending on the service, you may also be able to provide a photo containing account details.
In GoTap, AI prepares the payment for you to check and send. Sending a message to GoTap AI does not, by itself, authorise a transfer.
Preparing a payment, authorising it and receiving a successful result are separate steps.
How does manual entry work?
With a manual bank transfer, you select the recipient’s bank, enter their account number and check the account name returned by the app. Then you enter the amount, review the details and authorise the transfer.
You may not need to type everything each time. Banking apps can offer saved beneficiaries, and account numbers can often be copied from a message.
That makes manual entry a practical option, especially when you already have clear details or regularly pay the same person.
AI assistance and manual entry at a glance
Scroll sideways to compare both options.
| What matters | AI-assisted preparation | Manual entry |
|---|---|---|
| Starting the payment | Describe what you want to pay or provide supported input, such as an image | Select the payment option and fill in the fields |
| Entering details | The app interprets the information you provide | You type, paste or select the details |
| Common things to check | Whether the app understood the recipient and amount correctly | Whether you entered the correct bank, account number and amount |
| Returning to a regular recipient | Depends on the app’s recipient-matching features | A saved beneficiary may make this straightforward |
| Authorising payment | In GoTap, you review and confirm before sending | You review and authorise the transfer |
| Checking completion | Check the transaction result and record | Check the transaction result and record |
When AI assistance is useful
AI assistance is useful when you can explain the payment more easily than you can fill in several fields.
You might want to describe who to pay, the amount and the reason in one message. You might also have account details in a photo that would otherwise need to be copied by hand.
For example, a supplier gives you a printed slip with their bank details. Image-assisted preparation can help read those details into a payment. You then compare the prepared information with the original.
The benefit is less copying and retyping. You still need enough information to identify the right recipient.
A familiar name alone may be ambiguous. If you know more than one Tobi, check which person the prepared payment points to before continuing.
When manual entry makes sense
Manual entry can be the easier choice when you already have the account number ready to paste or the recipient saved.
It also gives you a clear fallback when an instruction is misunderstood, a photo is difficult to read or AI preparation is unavailable.
Suppose a supplier sends a clear bank name and account number. Selecting the bank and pasting the number may take less effort than explaining the same payment in a message.
Choose the method that helps you prepare the correct payment with the least unnecessary work. You do not need to use AI for every transfer.
Which is faster or more accurate?
AI can reduce the number of details you enter separately. That does not guarantee a faster payment.
The time it takes depends on the instruction, the information available, processing time and whether you need to correct anything. A saved beneficiary may be quicker than starting a new AI request.
Accuracy also needs checking with both methods.
When entering details manually, you can mistype an account number or add an extra zero to the amount. With AI assistance, the app can misunderstand an instruction or misread information in an image.
Fewer keystrokes do not remove the need to review the payment.
Before confirming, check:
- The recipient’s name and destination account details.
- The amount you intend to send.
- Any displayed fee and the total debit.
- The account or wallet funding the payment, where shown.
If the recipient name is unexpected, stop and confirm the details with the person you intend to pay.
What if something goes wrong?
If the prepared details are wrong, do not authorise the payment. Correct the information before continuing, or use the manual transfer option.
If a photo is unclear, ask for clearer details rather than guessing a digit.
A problem preparing a payment is different from an unclear result after authorisation. If you have already confirmed a transfer and the connection drops, check your transaction history before trying again.
If you were debited and the result remains unclear, keep the transaction reference and contact support. Starting another payment could mean paying twice.
GoTap’s bank-transfer guide explains how to check the account name and review a transfer. Its transaction-help guide covers payments without a clear result.
How GoTap approaches AI-assisted payments
GoTap lets you describe a payment and review the prepared details before sending.
For a request such as “Send ₦3,500 to Tobi for lunch,” check that the recipient is the Tobi you mean and that the amount is correct. Then authorise the payment using the confirmation method requested in the app.
You can also use GoTap’s manual bank-transfer option when you prefer to select the bank and enter the account number yourself.
GoTap AI helps prepare the payment. You decide whether to send it.