Paystack
8.2#2 in payment gatewaysFrom 1 NGN a monthFree planAndroidiOSWebAPI
VisitPaystack vs PayTrace
What both publish
| Fact | Paystack | PayTrace |
|---|---|---|
| API | The public API is RESTful and JSON-based, uses HTTPS, and provides separate test and live keys. | PayTrace offers a payment API with documentation, integration guides, and a sandbox for testing without processing real cards. |
| Integrations | Paystack advertises more than 50 integrations spanning ecommerce, accounting, invoicing and CRM platforms. | Trace AR lists connections with Acumatica, Microsoft Dynamics 365 Business Central, NetSuite, and QuickBooks Online. |
| Payment methods | Supported payment channels listed include cards, bank accounts, bank transfers, USSD, POS, Apple Pay, Google Pay, Visa QR, and mobile money. | PayTrace supports card and ACH payments, and its B2B page also describes accepting GSA SmartPay purchase cards for official federal government purchases. |
| Security | Paystack states it is PCI DSS Level 1 certified and ISO 27001:2022 certified. | PayTrace says its platform is PCI DSS compliant, encrypts sensitive information, and does not store payment data locally on the merchant’s network, computers, or premises. |
Paystack plans
- Paystack transaction pricing (Nigeria)Free
- AccountFree
- 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
PayTrace plans
No prices published.
Pick Paystack if…
Paystack suits startups, entrepreneurs, and larger businesses operating in or serving Africa that need to accept customer payments. Its API and SDK offerings also suit businesses integrating payment collection into apps or websites.
Pick PayTrace if…
You want what its maker publishes above — check its page for the details.