Paystack
Paystack — Nigeria and Ghana payment gateway by Stripe supporting cards, bank transfers, USSD, and mobile money with clean APIs.
Our Verdict
Gold standard DX for African payments, especially Nigeria and Ghana, with Stripe backing reliability.
Pros
- Clean Stripe-level API design
- Cards, USSD, transfers, mobile money
- Strong Nigerian and Ghanaian coverage
- Stripe-owned, good reliability
Cons
- Limited to Nigeria, Ghana, SA, Kenya, CI
- Pricing consistent but not cheapest
- Enterprise features still maturing
- Expansion pace slower than hoped
Best for: African-focused startups and SaaS wanting Stripe-quality DX with local rails
Not for: Merchants outside Paystack's specific country list or needing pan-African reach
When to Use Paystack
Good fit if you need
- Accepting cards and bank transfers for Nigerian e-commerce
- USSD payments for unbanked Nigerian mobile users
- Recurring subscription billing for African SaaS companies
- Mobile money acceptance for Ghana via Paystack API
Lock-in Assessment
Medium 3/5
Lock-in Score 3/5
Pricing
Price wrong?Paystack Pricing
- Pricing Model
- usage
- Free Tier
- No
- Entry Price
- —
- Enterprise Available
- No
- Transparency Score
- —
Beta — estimates may differ from actual pricing
1,000
1001K10K100K1M
10,000
1K10K100K1M10M
Estimated Monthly Cost
$25
Estimated Annual Cost
$300
Estimates are approximate and may not reflect current pricing. Always check the official pricing page.
Community Discussion
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