Midtrans vs Paystack
Midtrans
midtrans.comPaystack
paystack.comSide by side
| Figure | Midtrans | 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 | 8 | 10 |
| Spec score · Hosted Checkout Software | 9.0 (#1) | 8.8 (#7) |
| Spec score · Payment Gateways | 9.0 (#3) | 8.7 (#9) |
| Spec score · Payment Processing Software | 9.0 (#5) | 8.8 (#11) |
| Headquarters | Pasaraya Blok M, Building B, Jl. Iskandarsyah II No. 2, South Jakarta 12160, Indonesia | Lagos, Nigeria |
| Integrations | Official integration paths include SNAP, Core API, Payment Link, Mobile, plugins and invoice financing beta. | Paystack advertises more than 50 integrations spanning ecommerce, accounting, invoicing and CRM platforms. |
| Payment methods | The service advertises 25 payment methods, including bank transfer, cards, QRIS and e-wallets. | 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 | GoPay Merchant, the related GoTo merchant app referenced by Midtrans privacy materials, is rated 4.7 out of 5 from 82.6K reviews. | 3.6 out of 5 from 883 reviews |
| Recurring billing | Recurring or subscription payments are listed as a supported feature. | The product suite includes recurring payments and subscription billing with subscription-management links. |
| Recurring payments | Recurring payments can automatically charge fixed subscription amounts at chosen intervals, with retries for failed transactions; recurring service is available only for some payment channels. | Its APIs let businesses collect one-time and recurring payments from an app or website. |
| Security | Midtrans says it is licensed by Bank Indonesia, registered with Indonesia’s Ministry of Communication and Informatics, uses AES-256 encryption, and is ISO/IEC 27001 certified. | Paystack states it is PCI DSS Level 1 certified and ISO 27001:2022 certified. |
| Shopify integration | Midtrans documentation describes installing a Payments via Midtrans Shopify app and configuring sandbox and production credentials. | Paystack can be added from Shopify Admin payment methods and activated in the store settings. |
| Support | Midtrans lists support for technical integration, registration, payment methods, transactions, pricing, withdrawals, and account changes; its contact page gives weekday and weekend support hours. | Paystack says its Customer Success team is available around the clock. |
| What it does | Midtrans is an Indonesian payment gateway for accepting online payments and managing payouts. | Paystack is a payment service provider for African businesses supporting online and in-person payments. |
Plans
Midtrans
- Pay per successful transactionFree
- DANA1.50 IDR, paid once
- GoPay2 IDR, paid once
- ShopeePay2 IDR, paid once
- QRIS7 IDR, paid once
- OVO15 IDR, paid once
- Bank-transfer virtual accounts4,000 IDR, paid once
- Cards292,000 IDR, paid once
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
Midtrans
Midtrans helps businesses accept payments through cards, bank transfers, e-wallets, QRIS, over-the-counter payments, cardless credit, direct debit, and other methods. Merchants can select from 25 payment methods and enable all or only those they need. Snap supplies a checkout interface for websites and mobile apps; Core API lets a business build its own payment flow. Merchants can also create a payment page link in the dashboard without code and share it with customers.
For ecommerce, Midtrans documents plugins for WordPress WooCommerce, Magento, PrestaShop, OpenCart, and WHMCS, along with integrations for Shopify, Sirclo, and Jejualan. Android and iOS SDKs support native in-app payments. Recurring charges can collect fixed subscription amounts at selected intervals and retry failures, though only some payment channels support them. Midtrans says it screens every transaction for fraud using machine learning and analyst-defined rules. It is available on Android, iOS, web, and through an API. Setup is free, with charges on successful transactions; pricing starts from 4,000 IDR, and fees can differ for gaming and digital product companies.
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.