Paystack vs Snappy Checkout
Paystack
paystack.comSnappy Checkout
snappycheckout.comSide by side
| Figure | Paystack | Snappy Checkout |
|---|---|---|
| Price from | 1 NGN/mo | Free |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Plans published | 10 | 1 |
| Spec score · Hosted Checkout Software | 8.8 (#7) | 7.4 (#21) |
| Headquarters | Lagos, Nigeria | Harrisburg, Pennsylvania, United States |
| Integrations | Paystack advertises more than 50 integrations spanning ecommerce, accounting, invoicing and CRM platforms. | Snappy Checkout supports Zapier to send customer data to more than 300 web apps. |
| Security | Paystack states it is PCI DSS Level 1 certified and ISO 27001:2022 certified. | The site says sensitive card data is handled by Stripe and PayPal, which it describes as PCI-compliant, and offers Google 2-Step Verification and fraud detection. |
| Support | Paystack says its Customer Success team is available around the clock. | The help page identifies Mike Singer as founder and developer and invites customers to email him with questions. |
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.
Snappy Checkout
Snappy Checkout is a web and API checkout service for sellers taking payments on a site or through purchase links shared by email or social media. It supports digital and physical products, subscriptions, pre-orders, donations, and pay-what-you-want payments. Buyers can pay through Stripe or PayPal; PayPal also supports PayPal Credit or bank transfer. Listed currencies are AED, AUD, CAD, DKK, EUR, GBP, USD, and ZAR. Sellers can set monthly or yearly subscriptions, optional 7-, 14-, or 30-day trials, and automated follow-up for failed payments. Digital products can be stored in Dropbox and emailed with IP-tied download links. The dashboard handles sales tracking, payment searches, subscriptions, refunds, and CSV reports. Shipping labels can be purchased and printed. Zapier connects data to more than 300 apps, while APIs and webhooks support payment workflows. Pay-as-you-go has no monthly or signup fee; each successful sale adds 2.9% + 30¢ card processing plus the lower of 2% or 50¢.