Paystack vs PayTabs Payment Links
Paystack
paystack.comPayTabs Payment Links
ai.paytabs.comSide by side
| Figure | Paystack | PayTabs Payment Links |
|---|---|---|
| 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 | 10 | 0 |
| Spec score · Payment Gateways | 8.7 (#9) | 7.3 (#39) |
| Spec score · Payment Link Software | 8.8 (#7) | 7.4 (#24) |
| Fraud protection | Paystack says automated and manual fraud systems help protect against fraudulent transactions and related chargeback claims. | PayTabs describes a two-layer fraud protection system consisting of an in-house layer and 3D Secure 2.0. |
| Headquarters | Lagos, Nigeria | Saudi Arabia |
| Integrations | Paystack advertises more than 50 integrations spanning ecommerce, accounting, invoicing and CRM platforms. | PayTabs lists Shopify, Magento, WooCommerce, CS-Cart, OpenCart, PrestaShop, WHMCS, and Xero among its ready-made shopping cart integrations. |
| Payment methods | Supported payment channels listed include cards, bank accounts, bank transfers, USSD, POS, Apple Pay, Google Pay, Visa QR, and mobile money. | The merchant dashboard page says PayTabs accepts international and local credit cards, debit cards, and wallets. |
| Security | Paystack states it is PCI DSS Level 1 certified and ISO 27001:2022 certified. | PayTabs states its platform is PCI DSS certified and EMV 3D Secure 2.0 ready. |
| Security certifications | Paystack states that it is PCI DSS Level 1 certified and ISO 27001:2022 and ISO 27701 certified. | PayTabs states that it is Level 1 PCI DSS compliant and complies with the UAE IA standard and SAMA cybersecurity framework. |
| What it does | Paystack is a payment service provider for African businesses supporting online and in-person payments. | PayLinks are secure web links that send customers to a payment page when they click, so merchants can collect payments through shared links. |
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
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.
PayTabs Payment Links
PayTabs Payment Links has no write-up on Specifiction yet; its figures are above.