BillDesk vs Paystack
BillDesk
billdesk.comPaystack
paystack.comSide by side
| Figure | BillDesk | 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 | 2 | 10 |
| Spec score · Payment Gateways | 7.5 (#33) | 8.7 (#9) |
| Headquarters | The registered office is in Mumbai, India, at 10th Floor, Supreme Chambers, 17/18 Shah Industrial Estate, Andheri West. | Lagos, Nigeria |
| Payment methods | Its online payment platform supports more than 150 payment methods, including cards, UPI, net banking, NEFT/RTGS, wallets and pay with points. | Supported payment channels listed include cards, bank accounts, bank transfers, USSD, POS, Apple Pay, Google Pay, Visa QR, and mobile money. |
| Security | BillDesk says it is a Level 1 PCI DSS 4.0 Service Provider, compliant with ISO/IEC 27001:2022, and hosted in India at Tier III data centers certified to ISO/IEC 27001:2022. | Paystack states it is PCI DSS Level 1 certified and ISO 27001:2022 certified. |
| Support | The online payment offering includes 24/7 app and merchant support, while enterprise customers can receive a dedicated service delivery team. | Paystack says its Customer Success team is available around the clock. |
| Who it serves | BillDesk says it works with startups, large corporates and multinational companies across sectors, as well as businesses, governments and financial institutions. | Paystack describes its customers as businesses ranging from startups and entrepreneurs to large corporations and global brands operating in or serving Africa. |
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.