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Paystack

Paystack

Nigerian Market

VS

Culqi

Peruvian startups and SMEs accepting local cards, Yape and PagoEfectivo

Culqi
Fees from
1.95% (local), 3.9% (international) vs 3.44% + IGV (national cards/Yape); 3.99% + IGV (international cards/digital wallets/PagoEfectivo); online adds $0.20 fixed fee
Features

2 shared

2 unique to Paystack · 1 unique to Culqi
Regions

0 shared

1 unique to Paystack · 1 unique to Culqi
Pay methods

5 shared

7 unique to Paystack · 2 unique to Culqi
On region

Both cover 1 regions. Verify directly with each provider before signing.

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Show full specs
5 features · 14 payment methods · 2 regions. We don't rank these — they're here for reference.
Paystack Paystack
Culqi Culqi
Quick Facts
Fees
Standard transaction rate
1.95% (local), 3.9% (international)
3.44% + IGV (national cards/Yape); 3.99% + IGV (international cards/digital wallets/PagoEfectivo); online adds $0.20 fixed fee
Settlement
Time to receive funds
1–7 business days
Same day
Founded
2015
2013
Headquarters
Lagos, Nigeria
Lima, Peru
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Paystack leads (4 vs 3)
Enterprise Unique
✓
—
Instant Payout Unique
✓
—
Instant Sandbox
✓
✓
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
Paystack leads (12 vs 7)
Apple Pay Unique
✓
—
Bank Transfer
✓
✓
Bnpl Unique
—
✓
Credit Card
✓
✓
Debit Card
✓
✓
Digital Wallet Unique
—
✓
Eft Unique
✓
—
Mastercard
✓
✓
Mobile Money Unique
✓
—
Mobile Wallet Unique
✓
—
Pos Unique
✓
—
Ussd Unique
✓
—
Verve Unique
✓
—
Visa
✓
✓
Regions
Africa Unique
✓
—
Latin America Unique
—
✓

Paystack is best when you...

Nigerian Market
Need Enterprise
Not available with Culqi
Need Instant Payout
Not available with Culqi
Want coverage in Africa
Culqi doesn't cover this region
View Paystack

Culqi is best when you...

Peruvian startups and SMEs accepting local cards, Yape and PagoEfectivo
Need Recurring Payments
Not available with Paystack
Want coverage in Latin America
Paystack doesn't cover this region
View Culqi

Frequently Asked Questions

What is the difference between Paystack and Culqi?
They share 5 payment methods and 0 regions. Paystack adds Apple Pay, EFT, Mobile Money and 4 more that Culqi does not list; Culqi adds Buy Now Pay Later, Digital Wallet that Paystack does not list; Paystack also covers Africa; Culqi also covers Latin America.
Which is cheaper, Paystack or Culqi?
Paystack has published rates from 1.95% (local), 3.9% (international); Culqi has published rates from 3.44% + IGV (national cards/Yape); 3.99% + IGV (international cards/digital wallets/PagoEfectivo); online adds $0.20 fixed fee. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Paystack and Culqi?
Paystack lists 1 region and 12 payment methods; Culqi lists 1 and 7. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Paystack and Culqi compare on integration and settlement?
both offer a sandbox; both support webhooks; Paystack settles in 1–7 business days, Culqi in Same 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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