Paystack vs Pine Labs Online Payments
Paystack
paystack.comPine Labs Online Payments
pinelabs.comSide by side
| Figure | Paystack | Pine Labs Online Payments |
|---|---|---|
| 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 | 1 |
| Spec score · Payment Processing Software | 8.8 (#11) | 7.2 (#51) |
| Headquarters | Lagos, Nigeria | Gurugram, Haryana, India |
| Security | Paystack states it is PCI DSS Level 1 certified and ISO 27001:2022 certified. | The Shopify integration page describes SSL encryption, tokenisation under RBI regulations and PCI SAD Q compliance. |
| Shopify integration | Paystack can be added from Shopify Admin payment methods and activated in the store settings. | The Shopify integration page lists 100+ payment methods, multiple integration modes and a two-click checkout option. |
| Support | Paystack says its Customer Success team is available around the clock. | The online payments page advertises round-the-clock support and on-demand expert support. |
| What it does | Paystack is a payment service provider for African businesses supporting online and in-person payments. | Pine Labs Online offers tools for businesses to collect and disburse payments, including gateways, payment links, cross-border payments, subscriptions, payouts, fee management and custom payment pages. |
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.
Pine Labs Online Payments
Pine Labs Online Payments has no write-up on Specifiction yet; its figures are above.