Paystack vs Xendit
Paystack
paystack.comXendit
xendit.coSide by side
| Figure | Paystack | Xendit |
|---|---|---|
| Price from | 1 NGN/mo | $7,500/mo |
| Free plan | Yes | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 10 | 2 |
| Spec score · Payment Gateways | 8.7 (#9) | 7.2 (#41) |
| Spec score · Payment Processing Software | 8.8 (#11) | 7.2 (#53) |
| Spec score · Cross-Border Payment Platforms | 8.8 (#5) | 7.2 (#22) |
| Spec score · Payment Facilitation Platforms | 8.9 (#4) | 7.2 (#17) |
| Spec score · Payment Link Software | 8.8 (#7) | 7.2 (#26) |
| Spec score · Hosted Checkout Software | 8.8 (#7) | 7.2 (#23) |
| Identity verification | Paystack documentation lists customer and account-detail verification capabilities. | Its verification tools include bank-name validation, ID-card verification, e-wallet validation, OCR, AML checks, and liveness detection with facial matching. |
| Integrations | Paystack advertises more than 50 integrations spanning ecommerce, accounting, invoicing and CRM platforms. | The maker lists integrations including WooCommerce, Shopify, Wix, Magento, Ecwid, and Odoo; available integrations vary by country. |
| Payment methods | Supported payment channels listed include cards, bank accounts, bank transfers, USSD, POS, Apple Pay, Google Pay, Visa QR, and mobile money. | It says businesses can accept payments through more than 100 payment methods across Indonesia, the Philippines, Malaysia, Thailand, Vietnam, Singapore, and Hong Kong. |
| Recurring payments | Its APIs let businesses collect one-time and recurring payments from an app or website. | Its subscription payments automate recurring payments through credit cards, e-wallets, and direct debit. |
| Security certifications | Paystack states that it is PCI DSS Level 1 certified and ISO 27001:2022 and ISO 27701 certified. | Xendit’s Trust Center lists PCI DSS certificates, PCI attestations of compliance, and ISO 27001:2022 certificates for regional entities. |
| Support | Paystack says its Customer Success team is available around the clock. | Xendit advertises 24/7 support from human agents. |
| What it does | Paystack is a payment service provider for African businesses supporting online and in-person payments. | Xendit provides payment infrastructure for businesses, including payment acceptance, payouts, platform payments, and financing. |
| Who it serves | Paystack describes its customers as businesses ranging from startups and entrepreneurs to large corporations and global brands operating in or serving Africa. | Xendit says it is built for enterprises, startups and SMEs, online sellers, platforms and marketplaces, and businesses with recurring billing. |
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
Xendit
- XenPlatform monthly platform fee$7,500 a month
- Pay-as-you-go paymentsPrice 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.
Xendit
Xendit provides payment infrastructure for businesses, including payment acceptance, payouts, platform payments, and financing. It says businesses can accept more than 100 payment methods across Indonesia, the Philippines, Malaysia, Thailand, Vietnam, Singapore, and Hong Kong. Options include cards, virtual accounts, bank transfers, e-wallets, QR codes, direct debit, retail outlets, and online installments. Xendit supports payouts to more than 450 banks and e-wallets, including on weekends and public holidays, and lists payout coverage in 14 countries. Subscription payments automate recurring charges through credit cards, e-wallets, and direct debit. Listed integrations include WooCommerce, Shopify, Wix, Magento, Ecwid, and Odoo, with availability varying by country. Account controls include two-factor authentication, granular user permissions, and secure API keys. Verification tools cover bank-name and e-wallet validation, ID-card verification, OCR, AML checks, and liveness detection with facial matching. Xendit advertises 24/7 human support. Transaction rates vary by payment type and volume, and some products or notifications may carry separate charges. Merchants must complete onboarding and account activation before processing payments.