InterPay + DDMS vs Paystack

InterPay + DDMS is a web-based system for managing Direct Debit collections and submitting them through InterPay. DDMS lets businesses create, edit, and cancel Direct Debits, manage regular credits, and send automated notification emails. It checks bank account data against Bacs rules to help preserve collection eligibility. InterPay Web DDMS provides downloadable Bacs reports in actionable formats. InterPay can retrieve ADDACS and AWACS reports, apply selected actions, update DDMS bank details, and initiate relevant emails or letters. The two products work together so collection management and submission take place in one system. Interbacs can provide secure online sign-up pages connected to DDMS, with collection data passed to an accounts package through an API. An optional HSM workflow stores submission keys and certificates on a FIPS 140-2 Level 3 compliant device. Interbacs says its software gained Bacs accreditation in 2010. Pricing is 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.