diff --git a/docs/admin-backend-spec.md b/docs/admin-backend-spec.md
index f9678a6..3835bfd 100644
--- a/docs/admin-backend-spec.md
+++ b/docs/admin-backend-spec.md
@@ -21,6 +21,7 @@
 | 2026-08-06 | Data migration import jobs |
 | 2026-08-06 | Deployed Admin SPA: https://gishen-admin.vercel.app |
 | 2026-08-06 | List UX: filters + create pages for orders, Rx, orgs, stock, team, procurement; `POST` create sketches below |
+| 2026-08-06 | Finance: gateway enable/disable moved to `/admin/finance/gateways` UI route `/finance/gateways` |
 
 ## Conventions
 
diff --git a/src/app/AppRoutes.tsx b/src/app/AppRoutes.tsx
index d65e28c..a8a2a65 100644
--- a/src/app/AppRoutes.tsx
+++ b/src/app/AppRoutes.tsx
@@ -12,6 +12,7 @@ import { CreateStockPage } from '@/pages/stock/CreateStockPage'
 import { ProcurementPage } from '@/pages/procurement/ProcurementPage'
 import { CreateProcurementRequestPage } from '@/pages/procurement/CreateProcurementRequestPage'
 import { FinancePage } from '@/pages/finance/FinancePage'
+import { PaymentGatewaysPage } from '@/pages/finance/PaymentGatewaysPage'
 import { OrganisationsPage } from '@/pages/organisations/OrganisationsPage'
 import { CreateOrganisationPage } from '@/pages/organisations/CreateOrganisationPage'
 import { MarketingPage } from '@/pages/marketing/MarketingPage'
@@ -53,6 +54,7 @@ export function AppRoutes() {
         <Route path="procurement" element={<Guard module="procurement"><ProcurementPage /></Guard>} />
         <Route path="procurement/new" element={<Guard module="procurement"><CreateProcurementRequestPage /></Guard>} />
         <Route path="finance" element={<Guard module="finance"><FinancePage /></Guard>} />
+        <Route path="finance/gateways" element={<Guard module="finance"><PaymentGatewaysPage /></Guard>} />
         <Route path="organisations" element={<Guard module="organisations"><OrganisationsPage /></Guard>} />
         <Route path="organisations/new" element={<Guard module="organisations"><CreateOrganisationPage /></Guard>} />
         <Route path="marketing" element={<Guard module="marketing"><MarketingPage /></Guard>} />
diff --git a/src/pages/finance/FinancePage.tsx b/src/pages/finance/FinancePage.tsx
index b519edc..8e2b84c 100644
--- a/src/pages/finance/FinancePage.tsx
+++ b/src/pages/finance/FinancePage.tsx
@@ -1,28 +1,31 @@
-import { useState } from 'react'
+import { Link } from 'react-router-dom'
 import { useTranslation } from 'react-i18next'
 import { toast } from 'sonner'
+import { Settings2 } from 'lucide-react'
 import { PageShell } from '@/layouts/PageShell'
 import { Card, CardContent, CardHeader, CardTitle } from '@/components/ui/card'
 import { Table, TableBody, TableCell, TableHead, TableHeader, TableRow } from '@/components/ui/table'
 import { Badge } from '@/components/ui/badge'
 import { Button } from '@/components/ui/button'
-import { SwitchRow } from '@/pages/finance/SwitchRow'
 import { settlements } from '@/mocks/data'
 import { formatEtb } from '@/lib/utils'
 
-const gateways = [
-  { id: 'chapa', label: 'Chapa', enabled: true },
-  { id: 'arifpay', label: 'ArifPay', enabled: true },
-  { id: 'telebirr', label: 'Telebirr', enabled: false },
-  { id: 'mpesa', label: 'M-Pesa', enabled: false },
-]
-
 export function FinancePage() {
   const { t } = useTranslation()
-  const [gw, setGw] = useState(gateways)
 
   return (
-    <PageShell title={t('finance.title')} subtitle={t('finance.subtitle')}>
+    <PageShell
+      title={t('finance.title')}
+      subtitle={t('finance.subtitle')}
+      actions={
+        <Button asChild variant="outline" className="h-10 gap-2 shadow-none">
+          <Link to="/finance/gateways">
+            <Settings2 className="h-4 w-4" />
+            Manage gateways
+          </Link>
+        </Button>
+      }
+    >
       <div className="grid gap-4 lg:grid-cols-2">
         <Card>
           <CardHeader>
@@ -55,26 +58,27 @@ export function FinancePage() {
         </Card>
         <Card>
           <CardHeader>
-            <CardTitle>Payment gateways</CardTitle>
+            <CardTitle>Operations</CardTitle>
           </CardHeader>
           <CardContent className="space-y-3 p-4 pt-0">
-            {gw.map((g) => (
-              <SwitchRow
-                key={g.id}
-                label={g.label}
-                enabled={g.enabled}
-                onToggle={() => {
-                  setGw((prev) => prev.map((x) => (x.id === g.id ? { ...x, enabled: !x.enabled } : x)))
-                  toast.success(`${g.label} ${g.enabled ? 'disabled' : 'enabled'} (no code release)`)
-                }}
-              />
-            ))}
             <div className="rounded-xl border bg-muted/40 p-3 text-sm">
               Loyalty points liability (Aug): <strong>{formatEtb(182400)}</strong>
             </div>
-            <Button variant="outline" onClick={() => toast.message('Refund queued (mock)')}>
-              Process refund
-            </Button>
+            <p className="text-sm text-muted-foreground">
+              Gateway enable / disable lives on a dedicated settings page so day-to-day finance work stays focused on
+              settlements and refunds.
+            </p>
+            <div className="flex flex-wrap gap-2">
+              <Button variant="outline" className="h-10" onClick={() => toast.message('Refund queued (mock)')}>
+                Process refund
+              </Button>
+              <Button asChild variant="secondary" className="h-10 gap-2">
+                <Link to="/finance/gateways">
+                  <Settings2 className="h-4 w-4" />
+                  Payment gateways
+                </Link>
+              </Button>
+            </div>
           </CardContent>
         </Card>
       </div>
diff --git a/src/pages/finance/PaymentGatewaysPage.tsx b/src/pages/finance/PaymentGatewaysPage.tsx
new file mode 100644
index 0000000..0fe1ba3
--- /dev/null
+++ b/src/pages/finance/PaymentGatewaysPage.tsx
@@ -0,0 +1,67 @@
+import { useState } from 'react'
+import { Link } from 'react-router-dom'
+import { toast } from 'sonner'
+import { ArrowLeft } from 'lucide-react'
+import { PageShell } from '@/layouts/PageShell'
+import { Card, CardContent, CardDescription, CardHeader, CardTitle } from '@/components/ui/card'
+import { Button } from '@/components/ui/button'
+import { Badge } from '@/components/ui/badge'
+import { SwitchRow } from '@/pages/finance/SwitchRow'
+
+const initialGateways = [
+  { id: 'chapa', label: 'Chapa', enabled: true, type: 'Aggregator' },
+  { id: 'arifpay', label: 'ArifPay', enabled: true, type: 'Aggregator' },
+  { id: 'telebirr', label: 'Telebirr', enabled: false, type: 'Direct wallet' },
+  { id: 'mpesa', label: 'M-Pesa', enabled: false, type: 'Direct wallet' },
+]
+
+export function PaymentGatewaysPage() {
+  const [gw, setGw] = useState(initialGateways)
+
+  return (
+    <PageShell
+      title="Payment gateways"
+      subtitle="Enable, disable, or swap channels without a code release"
+      actions={
+        <Button asChild variant="outline" className="h-10 gap-2">
+          <Link to="/finance">
+            <ArrowLeft className="h-4 w-4" />
+            Back to Finance
+          </Link>
+        </Button>
+      }
+    >
+      <Card className="max-w-2xl">
+        <CardHeader>
+          <CardTitle>Channel controls</CardTitle>
+          <CardDescription>
+            Changes apply immediately in the demo. Telebirr / M-Pesa may require INSA clearance before go-live.
+          </CardDescription>
+        </CardHeader>
+        <CardContent className="space-y-3">
+          {gw.map((g) => (
+            <div key={g.id} className="rounded-xl border p-3">
+              <div className="mb-2 flex items-center justify-between gap-2">
+                <div>
+                  <p className="text-sm font-semibold">{g.label}</p>
+                  <p className="text-xs text-muted-foreground">{g.type}</p>
+                </div>
+                <Badge variant={g.enabled ? 'success' : 'muted'}>{g.enabled ? 'Live' : 'Off'}</Badge>
+              </div>
+              <SwitchRow
+                label={g.enabled ? 'Disable channel' : 'Enable channel'}
+                enabled={g.enabled}
+                onToggle={() => {
+                  setGw((prev) =>
+                    prev.map((x) => (x.id === g.id ? { ...x, enabled: !x.enabled } : x)),
+                  )
+                  toast.success(`${g.label} ${g.enabled ? 'disabled' : 'enabled'} (no code release)`)
+                }}
+              />
+            </div>
+          ))}
+        </CardContent>
+      </Card>
+    </PageShell>
+  )
+}