PayJunction Virtual Terminal vs Paystack
PayJunction Virtual Terminal
payjunction.comPaystack
paystack.comSide by side
| Figure | PayJunction Virtual Terminal | Paystack |
|---|---|---|
| Price from | — | 1 NGN/mo |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 3 | 10 |
| Spec score · Payment Processing Software | 7.2 (#48) | 8.8 (#11) |
| Headquarters | 1903 State Street, Santa Barbara, CA 93101, United States | Lagos, Nigeria |
| Integrations | PayJunction offers a no-code integration for SaaS applications through a Chrome browser extension and also provides a REST API for payment integrations. | Paystack advertises more than 50 integrations spanning ecommerce, accounting, invoicing and CRM platforms. |
| Recurring billing | PayJunction says its Virtual Terminal supports recurring card and ACH payments on a chosen schedule after setup and customer authorization. | The product suite includes recurring payments and subscription billing with subscription-management links. |
| Security | PayJunction states that it is Level 1 PCI compliant and uses TLS 1.2 with 256-bit encryption for processing. | Paystack states it is PCI DSS Level 1 certified and ISO 27001:2022 certified. |
| Support | PayJunction lists phone support at 800-601-0230, extension 3, and accepts support requests through its help center. | Paystack says its Customer Success team is available around the clock. |
Plans
PayJunction Virtual Terminal
- EnterprisePriced on request
- StandardPriced on request
- SurchargePriced 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
PayJunction Virtual Terminal
PayJunction Virtual Terminal 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.