Paystack vs Unipaas

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.

Unipaas provides managed embedded payment services for SaaS and marketplace platforms that want to offer branded payment journeys. It supports credit and debit cards, bank transfers, Apple Pay, Google Pay, other alternative payment methods, and e-invoices. Card payments include Visa, Mastercard, and American Express, with Strong Customer Authentication. Platforms can manage merchant accounts, balances, commissions, and fund transfers. Vendor onboarding can use a hosted link, embedded interface, or API; Unipaas handles KYC and KYB verification, and its managed services cover AML checks, disputed payments, and regulatory risk. Payment integrations include payment links, hosted checkout, a Web SDK, and a pay-in API. API-only server-to-server checkout is unavailable to platforms without PCI certification. Subscription tools support multiple plans, free trials, ramp pricing, promotional offers, payment retries, and plan changes including renewal, pause, or cancellation. Unipaas also describes AI support for onboarding, conversion, declined-payment recovery, messaging, reporting, and revenue recovery. It states that it is SOC 2 Type 2 and PCI DSS Level 1 certified, and authorised and regulated by the UK FCA as a Payment Institution. Pricing is on request; prospective customers are directed to book a demo.