Getpaid vs Paystack
Getpaid
getpaid.ioPaystack
paystack.comSide by side
| Figure | Getpaid | Paystack |
|---|---|---|
| Price from | — | 1 NGN/mo |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 0 | 10 |
| Spec score · Payment Facilitation Platforms | 7.6 (#10) | 8.9 (#4) |
| Data protection | Getpaid says data is hosted in the EU and processed in line with GDPR, with encryption in transit and at rest and audit logging. | Paystack states it has ISO 27701 certification for data privacy and protection. |
| Headquarters | Düsseldorf, Germany | Lagos, Nigeria |
| Integrations | The developer page describes a REST API, hosted checkout, a sandbox, and a Postman collection; embedded components and API-only integration are marked coming soon. | Paystack advertises more than 50 integrations spanning ecommerce, accounting, invoicing and CRM platforms. |
| Payment methods | The site advertises 160+ payment methods, including cards, wallets, bank transfers, and local methods such as iDEAL, Bizum, Vipps, and Pix. | Supported payment channels listed include cards, bank accounts, bank transfers, USSD, POS, Apple Pay, Google Pay, Visa QR, and mobile money. |
| Security | Getpaid says card data is handled by PCI DSS Level 1 certified partners and does not touch the platform’s infrastructure. | Paystack states it is PCI DSS Level 1 certified and ISO 27001:2022 certified. |
| Settlement | Getpaid says it can split each transaction atomically among the merchant, platform, and other parties in one operation. | The pricing page says automatic settlement is free and generally reaches the merchant's bank account the next working day (T+1). |
| Support | The developer page offers senior integration engineers through a dedicated Slack channel. | Paystack says its Customer Success team is available around the clock. |
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
Getpaid
Getpaid provides embedded payments and monetization for software platforms with their own merchant networks. Its flows include hosted checkout, multi-party split settlement, subscriptions, invoicing, wallet top-ups, and agent payments. A transaction can be divided atomically among a platform, merchants, sub-merchants, and other recipients. Fee rules may be percentage-based, fixed, tiered, blended, or mixed, and can vary by merchant, tier, end customer, or region. Hosted checkout is available now with white-label branding, custom copy, multiple languages, cards, bank payments, wallets, and local methods. The company advertises 160+ payment methods. Billing includes invoice delivery, collections, retries, subscription lifecycle management, and SEPA Direct Debit. Wallets support instant balance credit, automatic top-ups, and an API ledger. Developers receive a REST API, sandbox, hosted checkout, and Postman collection; embedded components and API-only integration are coming soon. Getpaid describes KYC/KYB, sanctions screening, monitoring, fraud controls, EU hosting, GDPR processing, and PCI DSS Level 1 partners.
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.