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Paystack

Paystack

Nigerian Market

VS

Apple Pay

Mobile & contactless payments

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

2 shared

2 unique to Paystack · 1 unique to Apple Pay
Regions

1 shared

7 unique to Apple Pay
Pay methods

3 shared

9 unique to Paystack · 2 unique to Apple Pay
On payment methods

Paystack supports 12 payment methods, 7 more than Apple Pay. Verify directly with each provider before signing.

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Show full specs
5 features · 14 payment methods · 8 regions. We don't rank these — they're here for reference.
Paystack Paystack
Apple Pay Apple Pay
Quick Facts
Fees
Standard transaction rate
1.95% (local), 3.9% (international)
Custom
Settlement
Time to receive funds
1–7 business days
Varies by payment processor
Founded
2015
2014
Headquarters
Lagos, Nigeria
Cupertino, California
Sandbox / Test Mode
✓
✓
Webhook Support
✓
—
Features
Paystack leads (4 vs 3)
Enterprise
✓
✓
Instant Payout
✓
✓
Instant Sandbox Unique
✓
—
Low Fees Unique
—
✓
Startup Friendly Unique
✓
—
Payment Methods
Paystack leads (12 vs 5)
Apple Pay
✓
✓
Bank Transfer Unique
✓
—
Contactless Unique
—
✓
Credit Card
✓
✓
Debit Card
✓
✓
Eft Unique
✓
—
Mastercard Unique
✓
—
Mobile Money Unique
✓
—
Mobile Wallet Unique
✓
—
Nfc Unique
—
✓
Pos Unique
✓
—
Ussd Unique
✓
—
Verve Unique
✓
—
Visa Unique
✓
—
Regions
Apple Pay 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 Apple Pay
Need Startup Friendly
Not available with Apple Pay
View Paystack

Apple Pay is best when you...

Mobile & contactless payments
Need Low Fees
Not available with Paystack
Want coverage in Asia, Europe, Latin America, Middle East, North America, Oceania, Southeast Asia
Paystack doesn't cover these regions
View Apple Pay

Frequently Asked Questions

What is the difference between Paystack and Apple Pay?
They share 3 payment methods and 1 region. Paystack adds Bank Transfer, EFT, Mastercard and 6 more that Apple Pay does not list; Apple Pay adds Contactless, NFC that Paystack does not list; Apple Pay also covers Asia, Europe and 5 more; only Paystack offers Instant Sandbox, Startup Friendly.
Which is cheaper, Paystack or Apple Pay?
Paystack has published rates from 1.95% (local), 3.9% (international); Apple Pay 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 Apple Pay?
Paystack lists 1 region and 12 payment methods; Apple Pay lists 8 and 5. 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 Apple Pay compare on integration and settlement?
both offer a sandbox; Paystack supports webhooks; Paystack settles in 1–7 business days, Apple Pay in Varies by payment processor.

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