Paystack vs Profituity
Paystack
paystack.comProfituity
profituity.comSide by side
| Figure | Paystack | Profituity |
|---|---|---|
| Price from | 1 NGN/mo | $10/mo |
| Free plan | Yes | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Plans published | 10 | 3 |
| Spec score · Payment Processing Software | 8.8 (#11) | 7.3 (#45) |
| API | The public API is RESTful and JSON-based, uses HTTPS, and provides separate test and live keys. | The Profituity API provides access to nearly all features available on its website for use in customer applications. |
| Headquarters | Lagos, Nigeria | Wexford, Pennsylvania, United States |
| Integrations | Paystack advertises more than 50 integrations spanning ecommerce, accounting, invoicing and CRM platforms. | Profituity offers built-in ACH integration with RTO Pro using a site key issued after approval. |
| Support | Paystack says its Customer Success team is available around the clock. | Profituity says its team typically responds to inquiries within one business day. |
| What it does | Paystack is a payment service provider for African businesses supporting online and in-person payments. | Profituity provides ACH payment processing, compliance, and audit-readiness services on one platform. |
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
Profituity
- RTO Pro ACH integration$10 a month
- RTO Pro transaction feePriced on request
- RTO Pro ACH processing$10 a month
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.
Profituity
Profituity provides ACH payment processing, compliance, and audit-readiness services for merchants, ISVs, merchant service providers, financial institutions, and third-party processors. Profituity Cloud shows real-time ACH program status and updates with Nacha rule changes. The company says documentation is generated continuously during normal operations for exam readiness, and describes itself as a Nacha Preferred Partner and SOC 2 Type II certified ACH processor. The Platform Portal includes Dashboard, Audit+, Compliance+, Configuration, CRM, Onboard+, Payments, Processing, Recovery, Risk, and Sales modules. Its API exposes nearly all website features for customer applications, with sandbox credentials for testing; HTTPS is required to protect credentials and tokens. Supported capabilities include recurring ACH payments, ACH credits, same-day ACH, and webhooks. Built-in RTO Pro integration requires approval and a site key. The RTO Pro ACH integration plan costs $10 a month, plus 25¢ per transaction, $1.95 per return, and $15 per unauthorized return.