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.

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.

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 well-documented APIs for custom integrations, plus plugins for platforms like WordPress, Magento, Wix, and others, and options like payment links and checkout forms.

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Paystack: Funding, Reviews & Alternatives (2026) – Liners

Paystack

🇳🇬 Nigeria 🇬🇭 Ghana 🇰🇪 Kenya+1 more

A payments 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.

Available on:WebAPIAndroidiOS

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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 for a centralized place to sell