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Paystack

Paystack

Nigerian Market

VS

Flutterwave

Pan-African Payments

Flutterwave
Fees from
1.95% (local), 3.9% (international) vs 1.4% (local), 3.8% (international)
Features

4 shared

Regions

1 shared

Pay methods

10 shared

2 unique to Paystack · 6 unique to Flutterwave

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4 features · 18 payment methods · 1 regions. We don't rank these — they're here for reference.
Paystack Paystack
Flutterwave Flutterwave
Quick Facts
Fees
Standard transaction rate
1.95% (local), 3.9% (international)
1.4% (local), 3.8% (international)
Settlement
Time to receive funds
1–7 business days
Next business day
Founded
2015
2016
Headquarters
Lagos, Nigeria
San Francisco, California / Lagos, Nigeria
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Enterprise
✓
✓
Instant Payout
✓
✓
Instant Sandbox
✓
✓
Startup Friendly
✓
✓
Payment Methods
Flutterwave leads (16 vs 12)
Amex Unique
—
✓
Apple Pay
✓
✓
Bank Transfer
✓
✓
Credit Card
✓
✓
Debit Card
✓
✓
Eft Unique
✓
—
Google Pay Unique
—
✓
M Pesa Unique
—
✓
Mastercard
✓
✓
Mobile Money
✓
✓
Mobile Wallet Unique
✓
—
Payment Link Unique
—
✓
Pos
✓
✓
Qr Code Unique
—
✓
Ussd
✓
✓
Verve
✓
✓
Virtual Card Unique
—
✓
Visa
✓
✓
Regions
Africa
✓
✓

Paystack is best when you...

Nigerian Market
View Paystack

Flutterwave is best when you...

Pan-African Payments
View Flutterwave

Frequently Asked Questions

What is the difference between Paystack and Flutterwave?
They share 10 payment methods and 1 region. Paystack adds EFT, Mobile Wallet that Flutterwave does not list; Flutterwave adds Amex, Google Pay, M-Pesa and 3 more that Paystack does not list.
Which is cheaper, Paystack or Flutterwave?
Paystack has published rates from 1.95% (local), 3.9% (international); Flutterwave has published rates from 1.4% (local), 3.8% (international). Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Paystack and Flutterwave?
Paystack lists 1 region and 12 payment methods; Flutterwave lists 1 and 16. both cover Africa. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Paystack and Flutterwave compare on integration and settlement?
both offer a sandbox; both support webhooks; Paystack settles in 1–7 business days, Flutterwave in Next business day.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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