PayFacile vs Paystack
PayFacile
payfacile.comPaystack
paystack.comSide by side
| Figure | PayFacile | Paystack |
|---|---|---|
| Price from | €24/mo | 1 NGN/mo |
| Free plan | Yes | Yes |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 4 | 10 |
| Spec score · Payment Processing Software | 8.7 (#12) | 8.8 (#11) |
| Headquarters | Paris, France | Lagos, Nigeria |
| Integrations | PayFacile names Stripe and GoCardless as payment processors and lists Google Analytics, Zapier, webhooks and third-party tools in its documentation. | Paystack advertises more than 50 integrations spanning ecommerce, accounting, invoicing and CRM platforms. |
| Payment methods | The feature page says it supports Visa, Mastercard, American Express and SEPA direct debit through Stripe and GoCardless. | Supported payment channels listed include cards, bank accounts, bank transfers, USSD, POS, Apple Pay, Google Pay, Visa QR, and mobile money. |
| Rating on Trustpilot | PayFacile has a TrustScore of 3.2 out of 5 from one Trustpilot review. | 1.5 out of 5 from 249 reviews |
| Security controls | PayFacile states that it does not store card numbers, relies on PCI DSS Level 1 Stripe and GoCardless infrastructure, uses TLS 1.2+ with 2048-bit encryption, and supports 3D Secure/SCA. | Paystack describes encrypted card storage, TLS 1.2 or newer, HSTS, mutual TLS and an independent vulnerability-reporting program. |
| Support | The pricing page says customers can contact support by email or the on-site chat and that a human will respond. | Paystack says its Customer Success team is available around the clock. |
| What it does | PayFacile is a hosted no-code platform for selling subscriptions, memberships, courses, digital files, physical products and services through websites and payment pages. | Paystack is a payment service provider for African businesses supporting online and in-person payments. |
| Who it serves | PayFacile lists coaches, creators, consultants, trainers, craftspeople, therapists, photographers, freelancers, agencies, SaaS businesses, associations and restaurants among its customers. | Paystack describes its customers as businesses ranging from startups and entrepreneurs to large corporations and global brands operating in or serving Africa. |
Plans
PayFacile
- StarterFree
- Business€24 a month
- Enterprise€48 a month
- CustomPriced 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
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.