Paystack vs PPRO
Paystack
paystack.comPPRO
ppro.comSide by side
| Figure | Paystack | PPRO |
|---|---|---|
| Price from | 1 NGN/mo | — |
| Free plan | Yes | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Plans published | 10 | 1 |
| Spec score · Cross-Border Payment Platforms | 8.8 (#5) | 7.5 (#11) |
| Disputes | Merchants can manage chargebacks and fraud claims in the dashboard, by email and through webhooks or the Disputes API. | PPRO's Global Disputes Platform consolidates the post-payment lifecycle into an automated command center for dispute and risk management. |
| Payment methods | Supported payment channels listed include cards, bank accounts, bank transfers, USSD, POS, Apple Pay, Google Pay, Visa QR, and mobile money. | PPRO connects to local payment methods including digital wallets, bank transfers, local cards, buy now pay later, and cash based methods. |
| Security | Paystack states it is PCI DSS Level 1 certified and ISO 27001:2022 certified. | PPRO says it is certified to ISO 27001 and PCI DSS and uses controls including encryption, real-time threat detection, and automated risk management. |
| Settlement | The pricing page says automatic settlement is free and generally reaches the merchant's bank account the next working day (T+1). | PPRO says it processes transactions in local currency and can settle funds in the currency and geography chosen by the customer. |
| Support | Paystack says its Customer Success team is available around the clock. | PPRO says its API integration includes comprehensive documentation and hands-on support. |
| What it does | Paystack is a payment service provider for African businesses supporting online and in-person payments. | PPRO provides a local payments platform that lets businesses activate, accept, and manage local payment methods through one connection. |
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.
PPRO
PPRO is a local payments platform for businesses that need to offer payment methods used in markets around the world. It connects to digital wallets, bank transfers, local cards, buy now pay later, and cash-based methods across more than 85 markets. Businesses can integrate through a RESTful API, Direct API, Hosted Payment Pages, or Drop-in Checkout. Six standardised authentication flows let one integration support methods that share a flow. Transactions are processed in local currency, with settlement available in a currency and geography selected by the customer. The platform also provides reporting, foreign exchange, reconciliation, and local tax calculation and deduction. Its Global Disputes Platform supports dispute and risk management. In Latin America, in-country acquiring connections support smart routing and backup strategies, and PPRO can act as Merchant of Record. It serves payment service providers, enterprise merchants, independent sales organisations, and independent software vendors. Pricing is on request; fees may include setup, monthly minimum, transaction, or service fees.