What is Paystack and how does it work?

Paystack is a payment gateway that enables businesses, especially in Africa, to accept online payments from customers worldwide using methods like cards, bank transfers, USSD, mobile money, and POS. Businesses integrate it via APIs, payment links, checkout forms, or plugins to collect one-time or recurring payments, make transfers, and access fraud protection and reporting.

How much does Paystack cost?

Paystack offers a free plan to start. It charges 1.5% + NGN 100 for local transactions (NGN 100 waived under NGN 2500, capped at NGN 2000) and 3.9% + NGN 100 for international transactions; fees vary by payment method.

What countries does Paystack operate in?

Paystack primarily operates in Nigeria and other African countries like Kenya and South Africa. It supports global cards such as Visa, Mastercard, and Verve, allowing payments from anywhere.

How do I sign up for Paystack?

You can sign up for Paystack by creating a free account on their website and entering your business name, email, phone number and other details to get approved to accept payments.

Does Paystack have a mobile app?

Yes, Paystack offers a mobile app (the Paystack Merchant App) for Android and iOS to manage your payments and business on the go.

Who is Paystack best suited for?

Paystack is best suited for businesses of all sizes in Africa, particularly small businesses, enterprises, and mid-size companies in industries like marketing, health and wellness, IT, and software. It serves e-commerce, startups, and platforms needing local payment methods like USSD and mobile money.

How do I contact Paystack support?

You can contact Paystack support via their support form or email at hello@paystack.commail. To report fraud, send an email to reportfraud@paystack.com or call tel:+2342016316187

Does Paystack have a plan for teams or businesses?

Yes, Paystack supports businesses of all sizes, including teams and enterprises, with features like APIs, reporting, and integrations for e-commerce operations.

Does Paystack offer an API or integrations?

Yes, Paystack offers a public API. View the official Paystack API documentation for endpoints, authentication, and integration guides.

Paystack

🇳🇬 Nigeria 🇬🇭 Ghana 🇰🇪 Kenya+1 more

A payment platform for African businesses to accept card, bank transfer, mobile money, and USSD payments online or in person, with tools for selling digital and physical products.

Use it on:Web API Android· 3.7 iOS· 3.5

Is Paystack right for you?

Best for

African online businesses
In-person sellers
Digital product sellers
Subscription services
Teams needing invoices

What it does well

Card and bank payments
Mobile money payments
USSD payments
Payment links
Invoicing tools

Things to check

Supported payment methods
In-store payment options
Settlement speed
Shop tools fit
API setup effort

Paystack is an online payments platform for businesses in Nigeria and other African markets that need to accept customer payments across common local and card-based methods.

Key capabilities include:

Multi-channel payment acceptance, including credit and debit cards, bank transfers, money transfer, mobile money, and USSD, supporting both online and offline payment use cases
Selling tools for products and files, such as Product Links for single physical or digital items (with stock management, media uploads, and customization) and digital downloads that deliver files automatically after purchase (for supported file formats)
Checkout pages and catalogs, including Payment Pages for multiple products and Storefronts for a centralized place to sell
Business dashboard and exports, with product, order, revenue, and customer management, plus order and customer data export

Available on Web, with API access, and mobile apps for Android and iOS.

Targeted at B2B, especially African businesses that need to collect payments from customers and manage orders for physical or digital sales.

Notable in the African market context, the company was founded in Lagos (2016) and was acquired by Stripe (October 15, 2020).

As of Jun 29, 2026, Paystack is rated 3.5 on the App Store from 26 reviews and 3.7 on Google Play from 855 reviews with 100K+ installs.

Phone:+234 201 631 6160

Categories:

Fintech

Features & Business Model:

b2b invoicing mobile-money payment-gateway payment-links ussd

Frequently Asked Questions About Paystack

Recent Reviews for Paystack

4.5

Excellent · 6 reviews

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tobi ajibade

NG · 1 review

Jun 26, 2026

best payment API in Africa 🌍. paystack is always my first choice for integration.

ayindefatai180

NG · 1 review

Jun 2, 2026

Paystack is a reliable and user-friendly payment platform that helps African businesses receive payments easily through multiple channels and manage sales of both digital and physical products

oyindolapocassandra

NG · 3 reviews

May 16, 2026

The swiftness

47dcreations

NG · 4 reviews

May 15, 2026

secured transaction guarantee

maryann_phyna

NG · 4 reviews

May 13, 2026

When I use PayPal, I am relaxed because the transaction is secured

View all Paystack reviews (6)

DD Dave found that Paystack has raised $9.6M across 6 rounds, backed by 21 investors. Their latest round was a Series A in Aug 2018. See how we get product data