PayMongo Payment Links vs Paystack
PayMongo Payment Links
paymongo.comPaystack
paystack.comSide by side
| Figure | PayMongo 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 |
| Plans published | 1 | 10 |
| Spec score · Payment Link Software | 7.5 (#21) | 8.8 (#7) |
| Spec score · Hosted Checkout Software | 7.4 (#20) | 8.8 (#7) |
| Headquarters | Taguig, Philippines | Lagos, Nigeria |
| Integrations | Payment Links can be sent through messaging apps, while PayMongo also lists plugins and API payments at Standard MDR pricing. | Paystack advertises more than 50 integrations spanning ecommerce, accounting, invoicing and CRM platforms. |
| Payment methods | The checkout supports cards, e-wallets, online banking, QR, and buy now, pay later options. | Supported payment channels listed include cards, bank accounts, bank transfers, USSD, POS, Apple Pay, Google Pay, Visa QR, and mobile money. |
| Security | PayMongo says its security framework uses real-time machine learning and 3D Secure, and that it provides dashboard multi-factor authentication. | Paystack states it is PCI DSS Level 1 certified and ISO 27001:2022 certified. |
| Support | PayMongo lists Essential support as free for all merchants, including a 30-minute first response and billing and fraud assistance. | Paystack says its Customer Success team is available around the clock. |
| What it does | Payment Links let businesses accept payments by sharing a checkout link, without needing a website. | 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
PayMongo Payment Links
PayMongo 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.