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Paygatex

Paygatex

VS

Niobi

African payments infrastructure for collections, payouts, and financial operations

Niobi
Fees from
0.2%–1% vs Custom
Features

7 shared

2 unique to Paygatex · 3 unique to Niobi
Regions

2 shared

6 unique to Paygatex
Pay methods

3 shared

15 unique to Paygatex · 4 unique to Niobi

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12 features · 22 payment methods · 8 regions. We don't rank these — they're here for reference.
Paygatex Paygatex
Niobi Niobi
Quick Facts
Fees
Standard transaction rate
0.2%–1%
Custom
Settlement
Time to receive funds
Same day
—
Founded
2023
2023
Headquarters
Saint Kitts and Nevis
Nairobi, Kenya
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Niobi leads (10 vs 9)
Crypto Support
✓
✓
Enterprise Unique
—
✓
High Risk Accepted Unique
✓
—
Instant Payout
✓
✓
Low Fees
✓
✓
Marketplace Support
✓
✓
Mobile Payments Unique
—
✓
Multi Currency
✓
✓
Recurring Billing Unique
✓
—
Recurring Payments
✓
✓
Startup Friendly
✓
✓
Virtual Items Unique
—
✓
Payment Methods
Paygatex leads (18 vs 7)
Arbitrum Unique
✓
—
Bitcoin Unique
✓
—
Bnb Unique
✓
—
Crypto Unique
✓
—
Dogecoin Unique
✓
—
Eft Unique
—
✓
Ethereum Unique
✓
—
Invoice Unique
✓
—
Lightning Network Unique
✓
—
Litecoin Unique
✓
—
M Pesa Unique
—
✓
Mobile Wallet Unique
—
✓
Monero Unique
✓
—
Optimism Unique
✓
—
Payment Link Unique
✓
—
Solana Unique
✓
—
Stablecoin
✓
✓
Swift Unique
—
✓
Tron Unique
✓
—
Usdc
✓
✓
Usdt
✓
✓
Xrp Unique
✓
—
Regions
Paygatex leads (8 vs 2)
Africa
✓
✓
Asia Unique
✓
—
Global
✓
✓
Latin America Unique
✓
—
Middle East Unique
✓
—
Oceania Unique
✓
—
South America Unique
✓
—
Southeast Asia Unique
✓
—

Paygatex is best when you...

Need High Risk Accepted
Not available with Niobi
Need Recurring Billing
Not available with Niobi
Want coverage in Asia, Latin America, Middle East, Oceania, South America, Southeast Asia
Niobi doesn't cover these regions
View Paygatex

Niobi is best when you...

African payments infrastructure for collections, payouts, and financial operations
Need Enterprise
Not available with Paygatex
Need Mobile Payments
Not available with Paygatex
View Niobi

Frequently Asked Questions

What is the difference between Paygatex and Niobi?
They share 3 payment methods and 2 regions. Paygatex adds Arbitrum, Bitcoin, BNB and 12 more that Niobi does not list; Niobi adds EFT, M-Pesa, Mobile Wallet and 1 more that Paygatex does not list; Paygatex also covers Asia, Latin America and 4 more; only Paygatex offers High Risk Accepted, Recurring Billing.
Which is cheaper, Paygatex or Niobi?
Paygatex has published rates from 0.2%–1%; Niobi has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Paygatex and Niobi?
Paygatex lists 8 regions and 18 payment methods; Niobi lists 2 and 7. both cover Africa, Global. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Paygatex and Niobi compare on integration and settlement?
both offer a sandbox; both support webhooks; Paygatex publishes a settlement time of Same day.

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