Paystack vs tru
Paystack
paystack.comtru
tru.soSide by side
| Figure | Paystack | tru |
|---|---|---|
| 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 · Payment Gateways | 8.7 (#9) | 7.7 (#29) |
| Headquarters | Lagos, Nigeria | United States |
| Integrations | Paystack advertises more than 50 integrations spanning ecommerce, accounting, invoicing and CRM platforms. | The privacy policy names Stripe Link and Stripe Connect, and MCP-compatible clients including Claude Code, Cursor, and Windsurf. |
| Security | Paystack states it is PCI DSS Level 1 certified and ISO 27001:2022 certified. | The privacy policy says data is encrypted in transit with TLS and sensitive stored data is encrypted using industry-standard methods. |
| Support | Paystack says its Customer Success team is available around the clock. | The privacy policy lists [email protected] for support and says it aims to respond to inquiries within 30 days or sooner where required by law. |
| What it does | Paystack is a payment service provider for African businesses supporting online and in-person payments. | tru is an authentication, identity, and payments platform that lets AI agents discover, authenticate with, and pay for services on users’ behalf. |
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.