HitPay Payment Links vs Paystack
HitPay Payment Links
hitpayapp.comPaystack
paystack.comSide by side
| Figure | HitPay Payment Links | Paystack |
|---|---|---|
| Price from | Free | 1 NGN/mo |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 2 | 10 |
| Spec score · Payment Link Software | 8.8 (#6) | 8.8 (#7) |
| Spec score · Hosted Checkout Software | 8.7 (#8) | 8.8 (#7) |
| Headquarters | Singapore | Lagos, Nigeria |
| Integrations | Official integrations include Shopify, WooCommerce, Wix, Xero, QuickBooks, Odoo, Zapier, Magento, PrestaShop, OpenCart, Ecwid, WHMCS, Google Forms and others. | Paystack advertises more than 50 integrations spanning ecommerce, accounting, invoicing and CRM platforms. |
| Payment methods | Payment Links can present cards, digital wallets and regional methods such as PayNow, GrabPay, FPX, DuitNow, GCash and Maya, depending on market and activation. | Supported payment channels listed include cards, bank accounts, bank transfers, USSD, POS, Apple Pay, Google Pay, Visa QR, and mobile money. |
| Rating on G2 | 4.7 out of 5 from 98 reviews. | 4.1 out of 5 from 9 reviews |
| Rating on Google Play | 2.8 out of 5 from 159 reviews. | 3.6 out of 5 from 883 reviews |
| Rating on Trustpilot | 4.4 out of 5 from 488 reviews. | 1.5 out of 5 from 249 reviews |
| Recurring payments | A link can support one-time or recurring payments and can be used by multiple customers. | Its APIs let businesses collect one-time and recurring payments from an app or website. |
| Security | HitPay states that checkout uses TLS, tokenisation and encryption, and that its card gateway is PCI DSS compliant with Stripe fraud and payment-security infrastructure. | Paystack states it is PCI DSS Level 1 certified and ISO 27001:2022 certified. |
| Support | The product page directs customers to HitPay’s contact team and help center for assistance. | Paystack says its Customer Success team is available around the clock. |
| What it does | HitPay Payment Links creates hosted checkout URLs or QR codes that businesses share through social, messaging, email or other channels without building a website. | Paystack is a payment service provider for African businesses supporting online and in-person payments. |
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
HitPay Payment Links
HitPay Payment Links lets businesses collect payments through a hosted checkout they can share or embed, without building a website checkout. Merchants can create links or QR codes, set a fixed amount, or let customers choose an amount and currency. Links can accept one-time or recurring payments from multiple customers. Businesses choose and reorder payment methods, including according to order amount and currency, and can tailor the checkout with their logo, colors, and payment preferences. The service supports more than 100 currencies. Its dashboard provides transaction management and payment notifications, while the product page describes real-time data and detailed reports. HitPay lists Shopify, WooCommerce, Xero, and Wix integrations and states that its payment links are PCI DSS compliant. It runs on Android, iOS, and the web. The free plan is free, with no setup or monthly fee; fees are 0.2% per Payment Links transaction plus payment method processing fees. For Singapore, non-card HitPay Balance payouts are T+1 calendar day; card payouts start from T+1 business day.
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.