Paystack vs Razorpay Payment Links
Paystack
paystack.comRazorpay Payment Links
razorpay.comSide by side
| Figure | Paystack | Razorpay Payment Links |
|---|---|---|
| Price from | 1 NGN/mo | Free |
| Free plan | Yes | Yes |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 10 | 3 |
| Spec score · Payment Link Software | 8.8 (#7) | 8.2 (#13) |
| Documentation depth | Developer documentation provides interactive walkthroughs, code snippets, searchable guides, sample projects and API references. | The Payment Links documentation includes link states, standard and UPI link types, create/search/update/duplicate/cancel operations and webhook subscription guidance. |
| Integrations | Paystack advertises more than 50 integrations spanning ecommerce, accounting, invoicing and CRM platforms. | Official integration materials list server SDKs or libraries for .NET, Java, Node.js, PHP, Python, Ruby and Go, plus Android, iOS, Cordova, React Native and Flutter integrations. |
| Payment methods | Supported payment channels listed include cards, bank accounts, bank transfers, USSD, POS, Apple Pay, Google Pay, Visa QR, and mobile money. | Supported methods include cards, UPI, netbanking, wallets, EMI, Pay Later and bank transfer. |
| Rating on Capterra | 4.4 out of 5 from 17 reviews | 3.7 out of 5 from 121 reviews |
| Rating on G2 | 4.1 out of 5 from 9 reviews | 4.3 out of 5 from 174 reviews |
| Rating on Google Play | 3.6 out of 5 from 883 reviews | 3.3 out of 5 from 9.68K reviews |
| Rating on Trustpilot | 1.5 out of 5 from 249 reviews | 1.4 out of 5 from 454 reviews |
| Security certifications | Paystack states that it is PCI DSS Level 1 certified and ISO 27001:2022 and ISO 27701 certified. | Razorpay's trust portal lists PCI DSS v4.0 certifications for Razorpay Software, Razorpay Software Services and other group entities, along with ISO certifications and SOC 3 for Razorpay Software. |
| Support | Paystack says its Customer Success team is available around the clock. | Razorpay’s site provides a Payments ticket option and links to a knowledge base. |
| What it does | Paystack is a payment service provider for African businesses supporting online and in-person payments. | Razorpay Payment Links creates hosted payment URLs that merchants share through SMS, email or WhatsApp to collect money without building a checkout site. |
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
Razorpay Payment Links
- 90-day introductory offerFree
- Payment LinksFree
- Standard platform feePrice not published
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.
Razorpay Payment Links
Razorpay Payment Links lets businesses collect customer payments by sending a link through SMS, email, or WhatsApp. Customers can pay using 180+ payment methods, while businesses can customize the payment page to match their brand. Payment terms can include an upfront amount, installments, or an advance. For bulk creation, users can upload a .csv or .xlsx file to generate and share hundreds of links at once. Webhook notifications report transactions, and APIs can automate link creation and collection. Payment Links support nearly 100 major currencies, with automatic real-time conversion. Razorpay lists web, Android, and iOS SDKs, server integrations for PHP, Ruby, Python, .NET, Node.js, Java, and Go, and plugins or documentation for commerce platforms including WooCommerce, Magento, Shopify, WordPress, and Wix. There is no free plan, though a free trial is listed. Pricing includes a zero-fee offer for the first 90 days; afterward, the listed fee is 2% plus GST on successful payments.