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Paygatex

Paygatex

VS

Flutterwave

Pan-African Payments

Flutterwave
Fees from
0.2%–1% vs 1.4% (local), 3.8% (international)
Features

2 shared

7 unique to Paygatex · 2 unique to Flutterwave
Regions

1 shared

7 unique to Paygatex
Pay methods

1 shared

17 unique to Paygatex · 15 unique to Flutterwave

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Show full specs
11 features · 33 payment methods · 8 regions. We don't rank these — they're here for reference.
Paygatex Paygatex
Flutterwave Flutterwave
Quick Facts
Fees
Standard transaction rate
0.2%–1%
1.4% (local), 3.8% (international)
Settlement
Time to receive funds
Same day
Next business day
Founded
2023
2016
Headquarters
Saint Kitts and Nevis
San Francisco, California / Lagos, Nigeria
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Paygatex leads (9 vs 4)
Crypto Support Unique
✓
—
Enterprise Unique
—
✓
High Risk Accepted Unique
✓
—
Instant Payout
✓
✓
Instant Sandbox Unique
—
✓
Low Fees Unique
✓
—
Marketplace Support Unique
✓
—
Multi Currency Unique
✓
—
Recurring Billing Unique
✓
—
Recurring Payments Unique
✓
—
Startup Friendly
✓
✓
Payment Methods
Paygatex leads (18 vs 16)
Amex Unique
—
✓
Apple Pay Unique
—
✓
Arbitrum Unique
✓
—
Bank Transfer Unique
—
✓
Bitcoin Unique
✓
—
Bnb Unique
✓
—
Credit Card Unique
—
✓
Crypto Unique
✓
—
Debit Card Unique
—
✓
Dogecoin Unique
✓
—
Ethereum Unique
✓
—
Google Pay Unique
—
✓
Invoice Unique
✓
—
Lightning Network Unique
✓
—
Litecoin Unique
✓
—
M Pesa Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Monero Unique
✓
—
Optimism Unique
✓
—
Payment Link
✓
✓
Pos Unique
—
✓
Qr Code Unique
—
✓
Solana Unique
✓
—
Stablecoin Unique
✓
—
Tron Unique
✓
—
Usdc Unique
✓
—
Usdt Unique
✓
—
Ussd Unique
—
✓
Verve Unique
—
✓
Virtual Card Unique
—
✓
Visa Unique
—
✓
Xrp Unique
✓
—
Regions
Paygatex leads (8 vs 1)
Africa
✓
✓
Asia Unique
✓
—
Global Unique
✓
—
Latin America Unique
✓
—
Middle East Unique
✓
—
Oceania Unique
✓
—
South America Unique
✓
—
Southeast Asia Unique
✓
—

Paygatex is best when you...

Need Crypto Support
Not available with Flutterwave
Need High Risk Accepted
Not available with Flutterwave
Want coverage in Asia, Global, Latin America, Middle East, Oceania, South America, Southeast Asia
Flutterwave doesn't cover these regions
View Paygatex

Flutterwave is best when you...

Pan-African Payments
Need Enterprise
Not available with Paygatex
Need Instant Sandbox
Not available with Paygatex
View Flutterwave

Frequently Asked Questions

What is the difference between Paygatex and Flutterwave?
They share 1 payment method and 1 region. Paygatex adds Arbitrum, Bitcoin, BNB and 14 more that Flutterwave does not list; Flutterwave adds Amex, Apple Pay, Bank Transfer and 12 more that Paygatex does not list; Paygatex also covers Asia, Global and 5 more; only Paygatex offers Crypto Support, High Risk Accepted and 5 more.
Which is cheaper, Paygatex or Flutterwave?
Paygatex has published rates from 0.2%–1%; 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 Paygatex and Flutterwave?
Paygatex lists 8 regions and 18 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 Paygatex and Flutterwave compare on integration and settlement?
both offer a sandbox; both support webhooks; Paygatex settles in Same day, Flutterwave in Next business day.

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