Paymentwall vs Paystack
Paymentwall
paymentwall.comPaystack
paystack.comSide by side
| Figure | Paymentwall | Paystack |
|---|---|---|
| Price from | — | 1 NGN/mo |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 1 | 10 |
| Spec score · Cross-Border Payment Platforms | 7.4 (#17) | 8.8 (#5) |
| Headquarters | San Francisco, California, United States | Lagos, Nigeria |
| Integrations | Paymentwall lists ready-to-use plugins for Shopify, WooCommerce and Magento. | Paystack advertises more than 50 integrations spanning ecommerce, accounting, invoicing and CRM platforms. |
| Payment methods | Paymentwall says it has integrated over 150 payment methods. | Supported payment channels listed include cards, bank accounts, bank transfers, USSD, POS, Apple Pay, Google Pay, Visa QR, and mobile money. |
| Recurring billing | Paymentwall supports recurring payments globally with flexible subscription plans. | The product suite includes recurring payments and subscription billing with subscription-management links. |
| Support | Paymentwall provides 24/7 international customer and merchant support, with support in over 30 languages. | Paystack says its Customer Success team is available around the clock. |
| What it does | Paymentwall is an all-in-one payment platform for accepting payments worldwide, managing risk and resolving customer requests. | Paystack is a payment service provider for African businesses supporting online and in-person payments. |
Plans
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
Paymentwall
Paymentwall is a paid payment platform for accepting payments worldwide, managing transaction risk and handling customer requests. It offers Android, iOS, web and API integrations, with more than 150 local payment options across 83 currencies. Methods include cards, e-wallets, bank transfers, mobile carrier billing, prepaid and cash payments. Smart Checkout can show localized payment choices, prices and language, while merchants can customize its layout. Recurring billing, local settlement, multi-currency handling and scheduled payouts are supported. Plugins are available for Shopify, WooCommerce and Magento, and merchants can connect PayPal, Coinbase and BitPay accounts. Paymentwall says it screens transactions in real time with in-house machine-learning algorithms and is a PCI Level 1 certified service provider. As merchant of record, it handles global tax requirements such as EU VAT calculation. Pricing is on request, with revenue-share processing and no setup or monthly payments listed. The API minimum transaction is USD 0.3 or equivalent.
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.