Paydios Payment Links vs Paystack
Paydios Payment Links
paydios.ioPaystack
paystack.comSide by side
| Figure | Paydios Payment Links | Paystack |
|---|---|---|
| Price from | Free | 1 NGN/mo |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 3 | 10 |
| Spec score · Payment Link Software | 7.6 (#19) | 8.8 (#7) |
| Headquarters | Dover, New Jersey, United States | Lagos, Nigeria |
| Integrations | The integrations page lists WordPress and WooCommerce, Shopify, React, Next.js, PHP and Laravel, and PHP Native; each is labeled coming soon. | Paystack advertises more than 50 integrations spanning ecommerce, accounting, invoicing and CRM platforms. |
| Payment methods | The pricing page lists major cards, Apple Pay, Google Pay, and cryptocurrencies among the accepted payment methods. | Supported payment channels listed include cards, bank accounts, bank transfers, USSD, POS, Apple Pay, Google Pay, Visa QR, and mobile money. |
| Security | The security page describes TLS transmission, tokenization, real-time fraud monitoring, machine-learning fraud detection, and 3D Secure support. | Paystack states it is PCI DSS Level 1 certified and ISO 27001:2022 certified. |
| Settlement | Payment Links says paid funds move into the Paydios balance and settle on the merchant’s payout schedule. | The pricing page says automatic settlement is free and generally reaches the merchant's bank account the next working day (T+1). |
| Support | The Enterprise plan includes dedicated integration and support engineering teams, 24/7 SLA support, and a dedicated account manager. | Paystack says its Customer Success team is available around the clock. |
Plans
Paydios Payment Links
- ProfessionalFree
- StartupFree
- EnterprisePriced on request
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
Paydios Payment Links
Paydios Payment Links 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.