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Paystack

Paystack

Nigerian Market

VS

Alipay

Chinese Consumers

Alipay
Fees from
1.95% (local), 3.9% (international) vs Custom
Features

2 shared

2 unique to Paystack
Regions

1 shared

7 unique to Alipay
Pay methods

2 shared

10 unique to Paystack · 5 unique to Alipay
On region

Alipay covers 8 regions; Paystack covers 1. Verify directly with each provider before signing.

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Show full specs
4 features · 17 payment methods · 8 regions. We don't rank these — they're here for reference.
Paystack Paystack
Alipay Alipay
Quick Facts
Fees
Standard transaction rate
1.95% (local), 3.9% (international)
Custom
Settlement
Time to receive funds
1–7 business days
Next business day
Founded
2015
2004
Headquarters
Lagos, Nigeria
Hangzhou, China
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Paystack leads (4 vs 2)
Enterprise
✓
✓
Instant Payout
✓
✓
Instant Sandbox Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Paystack leads (12 vs 7)
Alipay Unique
—
✓
Apple Pay Unique
✓
—
Bank Transfer Unique
✓
—
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Digital Wallet Unique
—
✓
Eft Unique
✓
—
Jcb Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
✓
—
Mobile Wallet Unique
✓
—
Pos Unique
✓
—
Qr Code Unique
—
✓
Unionpay Unique
—
✓
Ussd Unique
✓
—
Verve Unique
✓
—
Visa
✓
✓
Regions
Alipay leads (8 vs 1)
Africa
✓
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

Paystack is best when you...

Nigerian Market
Need Instant Sandbox
Not available with Alipay
Need Startup Friendly
Not available with Alipay
View Paystack

Alipay is best when you...

Chinese Consumers
Want coverage in Asia, Europe, Latin America, Middle East, North America, Oceania, Southeast Asia
Paystack doesn't cover these regions
View Alipay

Frequently Asked Questions

What is the difference between Paystack and Alipay?
They share 2 payment methods and 1 region. Paystack adds Apple Pay, Bank Transfer, Credit Card and 7 more that Alipay does not list; Alipay adds Alipay, Digital Wallet, JCB and 2 more that Paystack does not list; Alipay also covers Asia, Europe and 5 more; only Paystack offers Instant Sandbox, Startup Friendly.
Which is cheaper, Paystack or Alipay?
Paystack has published rates from 1.95% (local), 3.9% (international); Alipay 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 Paystack and Alipay?
Paystack lists 1 region and 12 payment methods; Alipay lists 8 and 7. 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 Alipay compare on integration and settlement?
both offer a sandbox; both support webhooks; Paystack settles in 1–7 business days, Alipay 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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