APEXX Global vs Paystack
APEXX Global
apexx.globalPaystack
paystack.comSide by side
| Figure | APEXX Global | Paystack |
|---|---|---|
| Price from | — | 1 NGN/mo |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 1 | 10 |
| Spec score · Cross-Border Payment Platforms | 7.4 (#13) | 8.8 (#5) |
| API | The API reference says APEXX presents integrations to payment suppliers through a single JSON API and requires at least TLS 1.2 for HTTPS connections. | The public API is RESTful and JSON-based, uses HTTPS, and provides separate test and live keys. |
| Headquarters | London, United Kingdom | Lagos, Nigeria |
| Payment methods | The platform connects to card payments, digital wallets, alternative payment methods, BNPL, bank transfers, and direct debit, depending on merchant needs and geography. | Supported payment channels listed include cards, bank accounts, bank transfers, USSD, POS, Apple Pay, Google Pay, Visa QR, and mobile money. |
| Reporting | Consolidated reporting and analytics bring payment data from multiple providers together for monitoring and reconciliation. | The dashboard provides reporting, alerts, exports, transaction reports, customer search, and customer purchase insights. |
| Security | APEXX states that it is PCI DSS Level 1 compliant and ISO 27001 certified. | Paystack states it is PCI DSS Level 1 certified and ISO 27001:2022 certified. |
| Support | Merchants can use the support portal to search its knowledge base, submit a ticket after login, and check ticket status. | 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
APEXX Global
APEXX Global is a payment orchestration platform for enterprise merchants. It connects merchants with more than 80 acquirers and dozens of payment partners through one integration and a single JSON API. Its Intelligent Routing Engine selects providers using performance and cost, while decline cascading retries soft-declined transactions through alternative acquirers. Depending on merchant needs and geography, connections can cover cards, digital wallets, alternative payment methods, buy now, pay later services, bank transfers, and direct debit. Consolidated reporting and analytics combine data from multiple providers for monitoring and reconciliation. Revenue Protect is intended to help during an acquirer or gateway outage. The platform includes routing rules, automatic retries, tokenization and vaulting, and recurring payments. APEXX states that it is PCI DSS Level 1 compliant and ISO 27001 certified. It is available through web and API access. Pricing is on request.
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.