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Paystack

Paystack

Nigerian Market

VS

Flutterwave

Pan-African Payments

Flutterwave
Fees from
1.95% (local), 3.9% (international) vs 1.4% (local), 3.8% (international)
Features

4 shared

Regions

1 shared

Pay methods

9 shared

3 unique to Paystack · 5 unique to Flutterwave
On licensing

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Show full specs
4 features · 17 payment methods · 1 regions. We don't rank these — they're here for reference.
Paystack Paystack
Flutterwave Flutterwave
Quick Facts
Fees
Standard transaction rate
1.95% (local), 3.9% (international)
1.4% (local), 3.8% (international)
Settlement
Time to receive funds
1–7 business days
Next business day
Founded
2015
2016
Headquarters
Lagos, Nigeria
San Francisco, California / Lagos, Nigeria
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Enterprise
✓
✓
Instant Payout
✓
✓
Instant Sandbox
✓
✓
Startup Friendly
✓
✓
Payment Methods
Flutterwave leads (14 vs 12)
Amex Unique
—
✓
Apple Pay
✓
✓
Bank Transfer
✓
✓
Credit Card
✓
✓
Debit Card
✓
✓
Eft Unique
✓
—
Google Pay Unique
—
✓
M Pesa Unique
—
✓
Mastercard
✓
✓
Mobile Money
✓
✓
Mobile Wallet Unique
✓
—
Pos Unique
✓
—
Qr Code Unique
—
✓
Ussd
✓
✓
Verve
✓
✓
Virtual Card Unique
—
✓
Visa
✓
✓
Regions
Africa
✓
✓

Paystack is best when you...

Nigerian Market
View Paystack

Flutterwave is best when you...

Pan-African Payments
View Flutterwave

Frequently Asked Questions

What is the difference between Paystack and Flutterwave?
Paystack is best for Nigerian Market, while Flutterwave is best for Pan-African Payments. Paystack charges 1.95% (local), 3.9% (international) and Flutterwave charges 1.4% (local), 3.8% (international). They differ in supported features, regions, and payment methods.
Which is cheaper, Paystack or Flutterwave?
Paystack charges 1.95% (local), 3.9% (international) while Flutterwave charges 1.4% (local), 3.8% (international). However, the best value depends on your transaction volume, business type, and required features.
Can I use both Paystack and Flutterwave together?
Yes, many businesses use multiple payment providers for redundancy, regional coverage, or to offer more payment methods. Paystack and Flutterwave can complement each other.
How do Paystack and Flutterwave differ in their focus?
Paystack is focused on Nigerian Market, while Flutterwave focuses on Pan-African Payments. They serve different market segments with different strengths.

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