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Paystack

Certified

Modern online and offline payments for Africa

Available in:
4.8(1,247)
💳Payments
1,547views
341clicks
125votes

What is Paystack?

Paystack is the leading payment infrastructure for Africa, helping businesses accept online and offline payments from customers across the continent. Built specifically for African businesses, Paystack supports cards, bank transfers, mobile money (M-Pesa, MTN Mobile Money, Airtel Money), USSD payments, QR codes, and Apple Pay. With transparent pricing of just 1.5% + ₦100 per transaction in Nigeria, excellent developer documentation, comprehensive SDKs for all major programming languages, and local support teams in Lagos, Accra, and Cape Town, Paystack makes it incredibly easy to start accepting payments in minutes. Trusted by over 60,000 businesses including Flutterwave, PiggyVest, Carbon, Kuda Bank, and Cowrywise, Paystack processes over $2 billion in payments annually. The platform offers instant settlements to local bank accounts, advanced fraud prevention, real-time webhooks for transaction notifications, a beautiful checkout experience optimized for mobile devices, detailed analytics and reporting, multi-currency support, subscription billing, payment links for no-code solutions, and splits for marketplaces.

Key Features

Accept cards, bank transfers, mobile money (M-Pesa, MTN, Airtel), USSD
Multi-currency support (NGN, GHS, ZAR, USD, KES)
Developer-friendly RESTful API with comprehensive webhooks
Real-time transaction notifications and email receipts
Local support teams in Lagos, Accra, Cape Town (African timezones)
PCI-DSS Level 1 compliant security and fraud prevention
No setup fees or monthly charges - only pay per transaction
Instant settlement to local bank accounts (T+1)
Comprehensive documentation with code examples in 10+ languages
SDKs for JavaScript, React, Vue, PHP, Python, Ruby, Java, .NET, iOS, Android
Beautiful mobile-optimized checkout page with 90%+ conversion rate
Subscription billing with automatic retries for failed payments
Payment links for no-code e-commerce (share via WhatsApp, social media)
Transaction splits for marketplaces and platforms
Detailed analytics dashboard with export to CSV/Excel
Refund management and dispute resolution tools
Apple Pay and Google Pay support
QR code payments for in-store transactions

Pricing

Per transaction
note: No setup fees, no monthly charges, no hidden costs. Only pay when you get paid.
ghana:
local: 1.95%
currency: GHS
nigeria:
local: 1.5% + ₦100 capped at ₦2,000
currency: NGN
international: 3.9% + ₦100
southAfrica:
local: 2.9%
currency: ZAR

African Alternative to Global Tools

Paystack is a great alternative to these global tools for the African market

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