Cashfree Payment Links vs Paystack
Cashfree Payment Links
cashfree.comPaystack
paystack.comSide by side
| Figure | Cashfree Payment Links | Paystack |
|---|---|---|
| Price from | Free | 1 NGN/mo |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 1 | 10 |
| Spec score · Payment Link Software | 8.1 (#14) | 8.8 (#7) |
| Integrations | Cashfree lists Shopify, Wix, WooCommerce, PayPal, WordPress, and Zoho among its platform integrations. | Paystack advertises more than 50 integrations spanning ecommerce, accounting, invoicing and CRM platforms. |
| Payment methods | Customers can pay through UPI, cards, net banking, wallets, and more than 180 payment methods. | Supported payment channels listed include cards, bank accounts, bank transfers, USSD, POS, Apple Pay, Google Pay, Visa QR, and mobile money. |
| Support | Cashfree lists a support center, customer query resolution, and a Discord community for query resolution. | Paystack says its Customer Success team is available around the clock. |
| Who it serves | The product page describes use cases including school and coaching fees, loan collections, social selling, invoices, bookings, and B2B collections. | 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
Cashfree Payment Links
Cashfree Payment Links lets businesses collect payments through a branded checkout without a website or coding. Merchants can share links through WhatsApp, SMS, email, QR codes, social channels, and invoices. WhatsApp-native links display a branded widget inside the chat instead of sending customers to a browser. Customers can pay with UPI, cards, net banking, wallets, and more than 180 payment methods. Merchants can permit partial payments, set an expiry date, or leave links active until deactivation. CSV or Excel uploads can create hundreds of links at once, while APIs can create, manage, and track them; dashboard creation is also available. Eligible businesses may receive settlements starting from 15 minutes. The free plan lists free for link creation and reminders, while standard Payment Gateway charges apply. Cashfree lists Shopify, Wix, WooCommerce, PayPal, WordPress, and Zoho integrations.
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.