Paystack vs Zoho Checkout
Paystack
paystack.comZoho Checkout
zoho.comSide by side
| Figure | Paystack | Zoho Checkout |
|---|---|---|
| Price from | 1 NGN/mo | $9/mo |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | — |
| Plans published | 10 | 3 |
| Spec score · Hosted Checkout Software | 8.8 (#7) | 7.6 (#18) |
| Headquarters | Lagos, Nigeria | Chennai, India |
| Integrations | Paystack advertises more than 50 integrations spanning ecommerce, accounting, invoicing and CRM platforms. | Listed integrations include Zoho Books, Zoho Campaigns, Zoho Cliq, Zoho Flow, Zoho Sign, Slack, MailChimp, and Zapier. |
| Recurring billing | The product suite includes recurring payments and subscription billing with subscription-management links. | Recurring payment pages can use weekly, monthly, or yearly billing cycles and can start billing on a future date. |
| Security | Paystack states it is PCI DSS Level 1 certified and ISO 27001:2022 certified. | Zoho says Checkout payment pages use SSL encryption and are PCI compliant. |
| Support | Paystack says its Customer Success team is available around the clock. | Zoho Checkout advertises email and phone support 24 hours a day, five days a week. |
| What it does | Paystack is a payment service provider for African businesses supporting online and in-person payments. | Zoho Checkout provides customizable hosted payment pages for collecting one-time and recurring online 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
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.
Zoho Checkout
Zoho Checkout provides hosted payment pages for businesses collecting one-time or recurring online payments. Pages can be customized without coding with a logo, labels, fields, background colors, and fonts. Businesses can set a fixed amount or let customers choose what to pay. Recurring pages support weekly, monthly, or yearly billing, including a future start date. Pages can be embedded on a website or online store, or shared by email and social media. The service can retry failed payments up to three times on a configured schedule. Listed payment gateways are Stripe, WePay, and Razorpay; integrations include Zoho Books, Campaigns, Cliq, Flow and Sign, as well as Slack, MailChimp, and Zapier. Zoho says pages use SSL encryption and are PCI compliant. The free plan permits three pages and 50 payments overall, with the payment count not resetting monthly. Standard is $9 a month and Professional is $29 a month, billed per organization monthly with annual billing. It runs on the web.