Paystack
8.2#2 in payment gatewaysFrom 1 NGN a monthFree planAndroidiOSWebAPI
VisitPaystack vs Pochipay
What both publish
| Fact | Paystack | Pochipay |
|---|---|---|
| API | The public API is RESTful and JSON-based, uses HTTPS, and provides separate test and live keys. | The API supports collections, individual or batch disbursements, transaction lookups, wallet balance reads, and callbacks; its full reference is available to signed-in merchants. |
| Headquarters | Lagos, Nigeria | Nairobi, Kenya |
| Payment methods | Supported payment channels listed include cards, bank accounts, bank transfers, USSD, POS, Apple Pay, Google Pay, Visa QR, and mobile money. | Listed methods include M-Pesa, Airtel Money, MTN MoMo, Visa, Mastercard, Apple Pay, Google Pay, PayPal, SEPA, ACH, PIX, and UPI. |
| Security | Paystack states it is PCI DSS Level 1 certified and ISO 27001:2022 certified. | The privacy policy states that Pochipay has PCI DSS Level 1 certification, encrypts data at rest with AES-256 and in transit with TLS 1.2 or higher, and tokenizes sensitive payment credentials. |
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
Pochipay plans
- Custom pricingPriced on request
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 Pochipay if…
Pochipay suits global businesses in fields such as digital commerce, travel, marketplaces, SaaS, gaming, and financial services. It may also fit platforms that need sub-merchant onboarding, split payments, or managed payouts.