Debit Success vs Paystack

Debit Success provides recurring payment services for businesses and software providers. It collects authorized payments from customers’ credit cards or bank accounts, with schedules available weekly, fortnightly, every four weeks, monthly, quarterly or ad hoc. When a payment reverses, a three-phase follow-up can involve SMS, phone, email and letters, and payment catch-up arrangements are available. Clients can receive automated daily and weekly reports or use an online portal. Reporting covers reversal rates by day, payment type and frequency, as well as sales trends by day, week and month. The billing system integrates with Xplor Clubware, PerfectMind and Xplor Education. Its web service can connect to an application, software or website and supports one-off and recurring schedules, customer detail updates, payment suspension, real-time payments, and retrieval of account status, call notes and transaction history. Business owners can use a self-service portal to run reports, manage members and update payment and contact details. Debit Success states that it is Level I PCI DSS compliant, independently certified and externally audited. Pricing is available on request.

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.