Paystack Pricing in May 2026

Paystack's pricing follows transaction-based model: 1.5% + ₦100 for local cards (Nigeria), 3.9% for international, with custom Enterprise pricing. Real-world Paystack costs scale linearly with revenue.

The Free to Start offer is genuinely zero-upfront. The strategic decision: Paystack (acquired by Stripe in 2020) operates with both local and international payment-method support across Africa — local bank cards, mobile money (M-Pesa, MTN MoMo), USSD payments, and bank transfers. For broader African payment alternatives, Flutterwave is the strongest direct competitor and operates across more African countries with broader payment-method support — particularly strong for cross-border transactions. The Paystack vs Flutterwave decision often splits geographically: Paystack stronger in Nigeria/Ghana, Flutterwave stronger pan-African. For specific countries: M-Pesa Daraja API for Kenya-specific mobile money; MTN MoMo Open API for MTN-specific mobile money; Selcom and Tigo Pesa target Tanzania. For SaaS subscription billing on top of payment processing, Chargebee integrates with Paystack/Flutterwave. For e-commerce specifically, Shopify supports Paystack and Flutterwave; WooCommerce has plugins for both. For cross-border B2B payments, Wise Business handles non-card transfers; Cellulant targets enterprise pan-African. Stripe operates in Nigeria, South Africa, and other African markets but with limited local payment methods. PayPal has limited African presence. For specific verticals: Yoco targets South African SMB POS; Klap targets Egyptian e-commerce; Mpesa Express handles Kenyan payments. Paystack's specific niche is Nigerian and Ghanaian businesses requiring local payment-method support.