BRIAPI AutoDebit vs Paystack

BRIAPI AutoDebit is BRI’s API for collecting recurring payments from customer accounts into a company account. It supports agreed schedules for monthly bills, installments, and other periodic payments that do not require a new manual instruction each time. Companies can register customer accounts, update account details, and deactivate accounts to stop regular debits. Callbacks report debit timing and amount, including variable amounts, and update debit status on the partner side. Use requires the company to be a BRI partner, registration of customer accounts, and customer authorization for BRI to access those accounts and initiate debits. BRI advises companies to prioritize customer data security and privacy. BRIAPI connects third-party applications with BRI services, and eligible users include startups, private and public companies, schools, hospitals, and municipal waterworks. Registered users can receive a testing API key and use a sandbox with example data. Detailed technical documentation is available from BRI’s API team. AutoDebit pricing is on request; BRI says general service fees start at Rp 0 per hit and may be adjusted by agreement.

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.