Braintree ACH Direct Debit vs Paystack
Braintree ACH Direct Debit
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| Figure | Braintree ACH Direct Debit | Paystack |
|---|---|---|
| Price from | $0.75/mo | 1 NGN/mo |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 4 | 10 |
| Spec score · Cross-Border Payment Platforms | 8.0 (#8) | 8.8 (#5) |
| Spec score · Payment Facilitation Platforms | 8.0 (#7) | 8.9 (#4) |
| Spec score · Payment Processing Software | 8.0 (#22) | 8.8 (#11) |
| Spec score · Payment Gateways | 7.9 (#21) | 8.7 (#9) |
| Headquarters | San Jose, California, United States | Lagos, Nigeria |
| Support | The Braintree documentation offers a Get Help link for submitting a request for help with a sandbox or production account. | Paystack says its Customer Success team is available around the clock. |
| What it does | ACH Direct Debit lets customers pay by debiting a US bank account over the ACH network. | Paystack is a payment service provider for African businesses supporting online and in-person payments. |
Plans
Braintree ACH Direct Debit
- Standard ACH network processing$0.75 a month
- Same-day ACH network processingPriced on request
- Standard ACH direct debit$0.75, paid once
- Same-day ACH direct debit$1.50, paid once
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
Braintree ACH Direct Debit
Braintree ACH Direct Debit lets customers pay by debiting a US bank account over the ACH network. It is available to eligible merchants able to build a custom client-side integration with the JavaScript v3 SDK, and it is not available in Braintree Drop-in UI. Merchants can verify accounts through network checks, micro-transfers, independent verification or instant verification using secure open banking connections. Once an account is successfully verified, its details can be tokenized as a one-time-use payment method nonce or vaulted as a persistent payment method token; verification is required before the account can be used for transactions. Server-side SDKs are listed for Java,.NET, Node.js, PHP, Python and Ruby, with a GraphQL implementation also linked. Standard ACH costs $0.75, capped at $5.00. Same-day ACH costs $1.50 plus $0.10. Published fees apply to US accounts, and use is subject to eligibility, an application and PayPal approval. Braintree identifies itself as a PayPal service.
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.