Compare processors
Put up to 4 payment processors side by side and weigh pricing, capabilities, and company facts at a glance.
Comparing 4 of 4.
| Compare |  PaystackNo reviews |  Razorpay4.5(4) Sponsored |  PayU4.5(4) |  PayPal4.5(4) |
|---|---|---|---|---|
| Pricing | ||||
| Online card rate | 1.5% + NGN 100, capped | 2% | 2% to 3% (by market) | 2.99% + $0.49 |
| In-person rate | 0.5% capped at NGN 1,000 on Paystack Terminal in Nigeria | N/A | N/A | 2.29% + $0.09 |
| Keyed-in rate | N/A | N/A | N/A | 3.49% + $0.09 |
| International | 3.9% + NGN 100 in Nigeria, 3.8% in Kenya, 3.1% + ZAR 1 in South Africa | 3% | Varies by market | +1.5% |
| ACH / bank | N/A | N/A | N/A | 0.8% (cap $5) |
| Monthly fee | None | ₹0 | Varies | $0 |
| Setup fee | None | ₹0 | N/A | N/A |
| Monthly minimum | None | N/A | N/A | N/A |
| Chargeback fee | No Paystack penalty for accepted chargebacks, card-network arbitration fees apply only if escalated | N/A | N/A | $20 |
| Pricing model | Flat rate | Flat rate | Custom quote, Flat rate | Flat rate |
| Contract | No contract | No contract | Annual | No contract |
| Free trial | No | No | No | No |
| Payout time | Next day | T+2 | Varies | Instant |
| Payment methods | ||||
| Visa | Yes | Yes | Yes | Yes |
| Mastercard | Yes | Yes | Yes | Yes |
| Amex | Yes | Yes | Yes | Yes |
| Apple Pay | Yes | No | No | No |
| ACH | Yes | No | No | No |
| Netbanking | Yes | Yes | Yes | No |
| Wallets | Yes | Yes | Yes | Yes |
| UPI | No | Yes | Yes | No |
| BNPL | No | Yes | Yes | Yes |
| Discover | No | No | No | Yes |
| PayPal | No | No | No | Yes |
| Integrations | ||||
| API | Yes | Yes | Yes | No |
| Hosted checkout | Yes | Yes | Yes | Yes |
| Drop-in UI | Yes | Yes | Yes | No |
| Mobile SDK | Yes | Yes | Yes | No |
| Virtual terminal | Yes | No | No | No |
| Payment links | Yes | Yes | Yes | Yes |
| Invoicing | Yes | Yes | No | Yes |
| POS hardware | Yes | No | No | No |
| Shopify | Yes | No | No | Yes |
| WooCommerce | Yes | Yes | No | Yes |
| BigCommerce | Yes | No | No | Yes |
| Wix | Yes | No | No | No |
| Features | ||||
| Recurring billing | Yes | Yes | No | Yes |
| Multi-currency | Yes | No | Yes | No |
| Fraud protection | Yes | Yes | Yes | Yes |
| 3D Secure | Yes | Yes | Yes | No |
| Tokenization | Yes | No | No | No |
| Marketplace split | Yes | No | No | No |
| Reporting dashboard | Yes | Yes | No | Yes |
| Developer-friendly | Yes | Yes | No | No |
| 24/7 support | Yes | No | No | No |
| Chargeback protection | No | No | Yes | Yes |
| Company | ||||
| Founded | 2015 | 2014 | 2002 | 1998 |
| Headquarters | Lagos, Nigeria | Bengaluru, India | Hoofddorp, Netherlands | San Jose, CA, USA |
| Company size | 251-1000 staff | 1000+ staff | 1000+ staff | 1000+ staff |
| Regions | Global | IN | IN, EU, Global | US, CA, EU, UK, Global |
| PCI level | Level 1 | Level 1 | Level 1 | Level 1 |
| Currencies | Settles in NGN, GHS, KES or USD, ZAR and XOF depending on market, with optional USD settlement in Nigeria and Kenya | INR (+ international acceptance) | Local currencies across 50+ markets | 100+ currencies |
| High-risk friendly | No | No | Yes | No |
| Get started | ||||
| Visit / profile | ||||