Payoneer Checkout vs Paystack
Payoneer Checkout
payoneer.comPaystack
paystack.comSide by side
| Figure | Payoneer Checkout | 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 | 1 | 10 |
| Spec score · Cross-Border Payment Platforms | 7.1 (#23) | 8.8 (#5) |
| Fraud protection | Payoneer describes real-time fraud detection, risk scoring, pre-dispute alerts, and chargeback support for Checkout. | Paystack says automated and manual fraud systems help protect against fraudulent transactions and related chargeback claims. |
| Headquarters | Payoneer lists its corporate headquarters as New York, NY. | Lagos, Nigeria |
| Integrations | The checkout page lists SHOPLAZZA, WooCommerce, Shopify, and Shopline as supported shopping carts and platforms. | Paystack advertises more than 50 integrations spanning ecommerce, accounting, invoicing and CRM platforms. |
| Payment methods | Checkout supports major credit cards, Apple Pay, Google Pay, buy now pay later options, and local payment methods, with availability varying by integration type and market. | Supported payment channels listed include cards, bank accounts, bank transfers, USSD, POS, Apple Pay, Google Pay, Visa QR, and mobile money. |
| Security | Payoneer’s Security Center lists PCI DSS Level 1 certification and SOC 2 Type II and SOC 1 Type II assessments conducted by an independent audit firm. | Paystack states it is PCI DSS Level 1 certified and ISO 27001:2022 certified. |
| Settlement | Card payments typically settle into the Payoneer account within a few business days, while local payment settlement times vary by market. | The pricing page says automatic settlement is free and generally reaches the merchant's bank account the next working day (T+1). |
| Support | Checkout includes a dedicated account manager who speaks the merchant’s language and operates in their time zone. | Paystack says its Customer Success team is available around the clock. |
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
Payoneer Checkout
Payoneer Checkout 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.