2C2P vs Paystack
2C2P
2c2p.comPaystack
paystack.comSide by side
| Figure | 2C2P | Paystack |
|---|---|---|
| Price from | — | 1 NGN/mo |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 0 | 10 |
| Spec score · Payment Gateways | 8.0 (#18) | 8.7 (#9) |
| Spec score · Payment Processing Software | 8.0 (#21) | 8.8 (#11) |
| Data protection | 2C2P says it encrypts card numbers internally using AES and uses HSM for secure key management. | Paystack states it has ISO 27701 certification for data privacy and protection. |
| Fraud protection | 2C2P says it uses an integrated fraud protection engine and 3D Secure to help detect and prevent e-commerce fraud. | Paystack says automated and manual fraud systems help protect against fraudulent transactions and related chargeback claims. |
| Headquarters | Singapore | Lagos, Nigeria |
| Integrations | The developer portal lists pre-built shopping cart plugins for Shopify, WooCommerce, OpenCart, and Magento. | Paystack advertises more than 50 integrations spanning ecommerce, accounting, invoicing and CRM platforms. |
| Markets | The site lists Indonesia, Malaysia, the Philippines, Singapore, Thailand, and Vietnam as markets for its Southeast Asia solutions. | The help center says live service is available to businesses registered in Nigeria, Ghana, South Africa and Kenya. |
| Reporting | Payout merchants can receive processing notifications by API or end-of-day email and access reconciliation reports. | The dashboard provides reporting, alerts, exports, transaction reports, customer search, and customer purchase insights. |
| Security | 2C2P says it is PCI DSS compliant and certified as a Level 1 Service Provider, with regular PCI DSS assessments by Trustwave. | Paystack states it is PCI DSS Level 1 certified and ISO 27001:2022 certified. |
| Support | 2C2P's support center offers help categories for Payment Gateway, 123, Qwik, and easyBills, plus a request submission option. | Paystack says its Customer Success team is available around the clock. |
Plans
Paystack
- AccountFree
- Paystack transaction pricing (Nigeria)Free
- Dedicated virtual accounts1 NGN a month
- Nigeria local transactions1.51 NGN a month
- Nigeria international transactions3.91 NGN a month
- Nigeria transfers up to NGN 5,00010 NGN a month
- Nigeria transfers NGN 5,001–50,00025 NGN a month
- Nigeria transfers above NGN 50,00050 NGN a month
- Test SmartPeak P1000 terminal85,000 NGN, paid once
- Live SmartPeak P1000 terminal100,000 NGN, paid once
In their own words
Paystack
Paystack helps businesses in Africa accept online and in-person payments from customers around the world. Listed channels include cards, bank accounts and transfers, USSD, POS, Apple Pay, Google Pay, Visa QR, and mobile money. Its APIs support one-time and recurring payments through an app or website, instant transfers, and customer identity verification. The dashboard provides reporting, alerts, exports, transaction reports, customer search, and purchase insights. Listed integrations include WooCommerce, Shopify, Chargebee, Zapier, Wix, and Xero; developer materials include an API and SDKs for Android, iOS, and Flutter. Paystack says its automated and manual fraud systems help protect against fraudulent transactions and related chargeback claims. It states that it is PCI DSS Level 1, ISO 27001:2022, and ISO 27701 certified. The pricing page lists no subscription, integration, or maintenance fee, but transaction fees apply. In Nigeria, local transactions cost 1.5% plus NGN 100; that NGN 100 is waived under NGN 2,500, with local fees capped at NGN 2,000. Automatic settlement is free and generally reaches the merchant's bank account the next working day.