London & Zurich Direct Debit vs Paystack

London & Zurich Direct Debit provides collection services and administration software for businesses. It supports regular, recurring, and one-off payments after customers authorise Direct Debit collection. The DDMS portal handles mandate creation, Bacs submission, compliance, reporting, failed payments, reconciliation, accounting, and scheduling. Businesses can use their own Service User Number or operate under London & Zurich’s; the company says it can obtain one through its sponsor bank for organisations without a SUN. Integration options include a RESTful API, accounting connections, a test environment, developer documentation, and specialist integration support. API access is included within a solution, with costs depending on integration needs and setup. The service can be white labelled so bank statements show the customer business’s name. London & Zurich describes AWS hosting, UK-based servers, multi-factor authentication, 24/7 monitoring, Cyber Essentials Plus, FCA authorisation, and Bacs Approved Bureau status. Pricing is on request, with Business, Foundation, and Enterprise/Reseller options.

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.