Paystack vs Rotessa
Paystack
paystack.comRotessa
rotessa.comSide by side
| Figure | Paystack | Rotessa |
|---|---|---|
| Price from | 1 NGN/mo | $0.35/mo |
| Free plan | Yes | — |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | — | Yes |
| macOS | — | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Plans published | 10 | 12 |
| Spec score · Direct Debit Processing Software | 8.8 (#1) | 8.5 (#2) |
| API | The public API is RESTful and JSON-based, uses HTTPS, and provides separate test and live keys. | The public REST API uses API-key authentication at api.rotessa.com/v1, with a sandbox endpoint available for testing. |
| Headquarters | Lagos, Nigeria | Steinbach, Manitoba, Canada |
| Rating on Capterra | 4.4 out of 5 from 17 reviews | 4.7 out of 5 from 3 reviews |
| Rating on G2 | 4.1 out of 5 from 9 reviews | 5.0 out of 5 from 1 review |
| SDKs | Official developer tools include InlineJS plus Android, iOS, Flutter, Node and Python libraries. | The developer documentation shows HTTP and cURL examples but does not list official client SDK packages. |
| Security | Paystack states it is PCI DSS Level 1 certified and ISO 27001:2022 certified. | Rotessa’s security overview says sensitive database information is encrypted using AES256, backups are made daily, and the company adheres to PCI DSS requirements for security management and protective measures. |
| Security controls | Paystack describes encrypted card storage, TLS 1.2 or newer, HSTS, mutual TLS and an independent vulnerability-reporting program. | Rotessa states that sensitive database information uses AES-256 encryption, daily off-site backups, firewalls, intrusion prevention and SSL/TLS connections. |
| Self-hosting | Paystack is delivered as a hosted service with its API and dashboard; its terms reserve ownership of the platform and documentation. | Rotessa is described as hosted online software and its agreements identify AWS hosting; no self-hosted deployment is documented. |
| Support | Paystack says its Customer Success team is available around the clock. | Rotessa describes its support team as fast and responsive, and provides an online support centre with documentation on accounts, authorizations, integrations, processing, and transactions. |
| What it does | Paystack is a payment service provider for African businesses supporting online and in-person payments. | Rotessa is online software for scheduling one-time or recurring withdrawals from customers’ bank accounts through Canadian PAD and U.S. ACH payments. |
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
Rotessa
- 251-1000 transactions$0.35 a month
- 251-1000 Transactions$0.35 a month
- 1-10 transactions$17 a month
- 1-10 Transactions$17 a month
- Base$25 a month
- 11-50 transactions$39 a month
- 11-50 Transactions$39 a month
- 51-100 transactions$65 a month
- 51-100 Transactions$65 a month
- 101-250 transactions$94 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.
Rotessa
Rotessa schedules one-time and recurring payments taken directly from customers’ bank accounts. Businesses can add customers individually, import a CSV, or bring records in through accounting software, then obtain authorization and set the amount, frequency, and date. Its listed industries include property management, financial services, schools and childcare, health services, professional services, and nonprofits. Accounts include API access, CSV imports, an authorization tool, payment schedules, settlement reports, and multiple users with permissions. QuickBooks Online and Xero integrations can import customers and outstanding invoices, initiate withdrawals based on due dates, and report settlements while marking invoices paid. Zapier supports customized workflows connecting Rotessa with over 1,000 apps. Pricing starts at $17/mo for 1–10 transactions; listed monthly tiers are $39 for 11–50, $65 for 51–100, and $94 for 101–250. From 251 to 1,000 transactions, the listed rate is 35¢ per transaction; higher-volume pricing is custom. Rotessa launched in 2010 and is based in Steinbach, Manitoba, Canada.