PaySimple vs Paystack
PaySimple
paysimple.comPaystack
paystack.comSide by side
| Figure | PaySimple | Paystack |
|---|---|---|
| Price from | $49.95/mo | 1 NGN/mo |
| Free plan | — | Yes |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 5 | 10 |
| Spec score · Payment Processing Software | 8.7 (#13) | 8.8 (#11) |
| Company ownership | Crunchbase lists PaySimple, Inc. as a legal name and a sub-organization of EverCommerce. | Paystack says Stripe acquired the company in October 2020 to accelerate commerce across Africa. |
| Documentation depth | The portal includes guides, API references, authorization instructions, checkout quick starts and card-present transaction guidance. | Developer documentation provides interactive walkthroughs, code snippets, searchable guides, sample projects and API references. |
| Headquarters | Denver, Colorado, United States | Lagos, Nigeria |
| Integrations | PaySimple offers RESTful APIs, hosted checkout solutions, and webhook callbacks for software integrations. | Paystack advertises more than 50 integrations spanning ecommerce, accounting, invoicing and CRM platforms. |
| Rating on Capterra | 4.5 out of 5 from 298 reviews | 4.4 out of 5 from 17 reviews |
| Rating on G2 | 4.3 out of 5 from 79 reviews | 4.1 out of 5 from 9 reviews |
| Rating on Google Play | 3.7 out of 5 from 57 reviews | 3.6 out of 5 from 883 reviews |
| Recurring billing | Users can create recurring payment schedules, payment plans and prorated amounts. | The product suite includes recurring payments and subscription billing with subscription-management links. |
| Reporting | The platform includes real-time reporting and dashboards for business insights. | The dashboard provides reporting, alerts, exports, transaction reports, customer search, and customer purchase insights. |
| Security | PaySimple says it is a Level 1 PCI DSS service provider, encrypts account information and restricts APIs to authorized HTTPS/TLS requests. | Paystack states it is PCI DSS Level 1 certified and ISO 27001:2022 certified. |
| Self-hosting | PaySimple describes hosted web, mobile and API services and does not provide a self-hosted installation option on its developer pages. | Paystack is delivered as a hosted service with its API and dashboard; its terms reserve ownership of the platform and documentation. |
| Support | PaySimple lists customer support by email and a self-service Help Center, with support hours of 9 a.m. to 6 p.m. Eastern Time Monday through Friday. | Paystack says its Customer Success team is available around the clock. |
| What it does | PaySimple provides payment processing, billing, invoicing and customer-management software for service businesses. | Paystack is a payment service provider for African businesses supporting online and in-person payments. |
Plans
PaySimple
- PaySimple solution$49.95 a month
- Basic$69.95 a month
- PaySimple platform$79.95 a month
- ACH/eCheck processingPriced on request
- Credit/debit card processingPriced 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.