The Scenario
You joined this startup as CFO three weeks ago. One of the first things you asked for was a cash-flow model — 12 months trailing, week by week. The head of engineering sent you a Slack message saying the raw data is in Paystack's balance ledger. You've been trying to get it into a spreadsheet ever since.
The ledger has every pay-in and pay-out: settlements, refunds, fees, transfers out. It's the source of truth for cash movement. Getting it out of Paystack and into a model is the blocker.
The bad version:
- You log into Paystack and find the balance ledger under Settlements. There is no obvious export button. You spend 20 minutes in the dashboard before concluding the export option might not exist.
- You ask the head of engineering to pull it via the API. They do, eventually, and send you a JSON file. You open it in a text editor, realize it's not a spreadsheet, and ask them to convert it to CSV. This is the third thing you've asked for this week.
- The CSV arrives with timestamp fields in Unix epoch format, amounts in kobo with no decimal handling, and a type field that says things like "SETTLEMENT_REVERSAL" rather than "pay-out."
You needed this model three weeks ago. You still don't have the underlying data.
The Easy Way: One Prompt in SheetXAI
SheetXAI is an AI agent that lives inside your Google Sheet. It reads your request and pulls the full Paystack balance ledger through the API, writing each entry into your sheet with readable dates, clear types, and amounts in the format your model expects — no JSON, no API calls, no waiting on engineering.
Fetch the Paystack balance ledger and write each entry to the 'Ledger' sheet with columns for entry date, type (pay-in or pay-out), amount, currency, and running balance.
What You Get
- Column A: entry date in readable format
- Column B: transaction type simplified to pay-in or pay-out (or the raw type if more granularity is needed)
- Column C: amount in the ledger's currency unit
- Column D: currency (NGN, USD, GHS, etc.)
- Column E: running balance at that entry
- One row per ledger entry — ready to use as the data layer under your cash-flow model
What If the Data Is Not Quite Ready
You need amounts in naira (decimal) rather than kobo
Fetch the Paystack balance ledger and write each entry to the 'Ledger' sheet with date in A, type in B, amount converted from kobo to naira as a decimal in C, currency in D, and running balance converted to naira in E.
You want to filter to only the last 6 months
Fetch the Paystack balance ledger entries from November 1 2024 to April 30 2025 and write each one to the 'Ledger' sheet with date in A, type in B, amount in naira in C, currency in D, and running balance in E.
You need pay-ins and pay-outs separated into different columns for the model
Fetch the Paystack balance ledger and write each entry to the 'Ledger' sheet with date in A, type in B, pay-in amount in C (blank for pay-outs), pay-out amount in D (blank for pay-ins), currency in E, and running balance in F.
Filter by date, convert to naira, split pay-in and pay-out, and sort in one shot
Fetch Paystack balance ledger entries from November 2024 to April 2025, write each to the 'Ledger' sheet with date in A, type in B, pay-in amount in naira in C, pay-out amount in naira in D, currency in E, running balance in naira in F, then sort by date ascending so the model starts at the oldest entry.
One prompt gives you the data layer your cash-flow model needs — and you stop waiting on engineering to translate API responses for you.
Try It
Open the Google Sheet where your cash-flow model lives, then Get the 7-day free trial of SheetXAI and ask it to pull your Paystack balance ledger directly. For related workflows, see how to export your settlement history for financial statements, or how to pull the full transaction history for reconciliation.