Paystack
African payment gateway for accepting cards, bank transfers and mobile money online and in person.
Updated · AppBreakup editorial · Web
Is Paystack free?
No, it's a paid product
1 alternative with a free optionSwitch from Paystack to
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- 4 of 4
- Alternatives ranked
- 2
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- 0
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About Paystack
Paystack is a payment gateway built for businesses in Africa, letting them accept cards, bank transfers, direct debit and mobile money such as M-PESA through a website checkout, payment links, invoices or an in-person terminal. It operates in Nigeria, Ghana, Kenya, South Africa, Côte d'Ivoire and Egypt, and also handles transfers to bank accounts, subscriptions and identity checks for developers. Founded in Lagos, it was bought by Stripe in 2020 but still runs as its own product with its own dashboard and API. There's no monthly fee: pricing is a percentage per transaction that varies by country and payment method, with local rates in Nigeria capped per transaction, and international cards cost more. Businesses can absorb fees or pass them to customers. Developers get well-documented APIs and plugins for common store builders. The dashboard is web-based, and its help centre is available in English and French.
Best for: Businesses in Nigeria, Ghana, Kenya, South Africa or Egypt taking local payments online.
Pros and cons
What works
- Supports local methods like bank transfer and M-PESA, not just cards
- No monthly fee, only per-transaction charges
- Nigerian local fees are capped per transaction
- Developer-friendly APIs backed by Stripe
Why people leave
- Only for businesses registered in its six African markets
- International card payments cost noticeably more than local ones
- Automatic fee pass-through from the dashboard is limited to Nigerian businesses
Paystack vs Stripe and PayPal
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Top Paystack alternatives
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Paystack: common questions
What is Paystack?
Paystack: African payment gateway for accepting cards, bank transfers and mobile money online and in person. Best for businesses in Nigeria, Ghana, Kenya, South Africa or Egypt taking local payments online. Available for Web.
Is Paystack free?
No, Paystack is a paid product.
Is Paystack open source?
No, Paystack is not open source.
What platforms does Paystack run on?
Paystack is available for Web.
What are the best alternatives to Paystack?
The highest-ranked Paystack alternatives right now are Stripe and PayPal. See the full ranked list for pricing, platforms and verified facts.
Paystack vs Stripe: what's the difference?
Both Paystack and Stripe are paid products. Only Stripe runs on iOS and Android.