Jim Payment Link vs Paystack
Jim Payment Link
jim.comPaystack
paystack.comSide by side
| Figure | Jim Payment Link | 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 |
| Plans published | 3 | 10 |
| Spec score · Payment Link Software | 8.6 (#9) | 8.8 (#7) |
| Headquarters | Sunnyvale, California, United States | Lagos, Nigeria |
| Payment methods | Customers can pay by debit card, credit card, Apple Pay, or digital wallet. | Supported payment channels listed include cards, bank accounts, bank transfers, USSD, POS, Apple Pay, Google Pay, Visa QR, and mobile money. |
| Rating on Google Play | 4.5 out of 5 from 2.44K reviews | 3.6 out of 5 from 883 reviews |
| Rating on Trustpilot | 3.0 out of 5 from 5 reviews | 1.5 out of 5 from 249 reviews |
| Security | Jim says Payment Links use end-to-end encryption and real-time fraud prevention, and are PCI-compliant. | Paystack states it is PCI DSS Level 1 certified and ISO 27001:2022 certified. |
| Security controls | Jim says it is PCI DSS 4.0.1 certified and uses tokenization, encrypted transactions and 3-D Secure checks for Payment Link payments. | Paystack describes encrypted card storage, TLS 1.2 or newer, HSTS, mutual TLS and an independent vulnerability-reporting program. |
| Support | Jim provides in-app AI help at any time plus human chat, email and phone support Monday through Friday from 9 a.m. to 5 p.m. Eastern. | Paystack says its Customer Success team is available around the clock. |
| What it does | Jim lets a seller create a payment link in its mobile app and share it by text, email, Instagram, WhatsApp or another messaging channel so a customer can pay remotely. | Paystack is a payment service provider for African businesses supporting online and in-person payments. |
Plans
Jim Payment Link
- Jim accountFree
- Jim Payment LinkPrice not published
- Payment Link transactionPrice not published
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
Jim Payment Link
Jim Payment Link has no write-up on Specifiction yet; its figures are above.
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.