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Paystack

Paystack

Nigerian Market

VS

Interswitch

Nigerian Digital Payments

Interswitch
Fees from
1.95% (local), 3.9% (international) vs 1.5% (capped at NGN 2,000)
Features

1 shared

3 unique to Paystack
Regions

1 shared

Pay methods

6 shared

6 unique to Paystack

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Show full specs
4 features · 12 payment methods · 1 regions. We don't rank these — they're here for reference.
Paystack Paystack
Interswitch Interswitch
Quick Facts
Fees
Standard transaction rate
1.95% (local), 3.9% (international)
1.5% (capped at NGN 2,000)
Settlement
Time to receive funds
1–7 business days
Next business day
Founded
2015
2002
Headquarters
Lagos, Nigeria
Lagos, Nigeria
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Paystack leads (4 vs 1)
Enterprise
✓
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Paystack leads (12 vs 6)
Apple Pay Unique
✓
—
Bank Transfer
✓
✓
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Eft Unique
✓
—
Mastercard
✓
✓
Mobile Money
✓
✓
Mobile Wallet Unique
✓
—
Pos Unique
✓
—
Ussd
✓
✓
Verve
✓
✓
Visa
✓
✓
Regions
Africa
✓
✓

Paystack is best when you...

Nigerian Market
Need Instant Payout
Not available with Interswitch
Need Instant Sandbox
Not available with Interswitch
View Paystack

Interswitch is best when you...

Nigerian Digital Payments
View Interswitch

Frequently Asked Questions

What is the difference between Paystack and Interswitch?
They share 6 payment methods and 1 region. Paystack adds Apple Pay, Credit Card, Debit Card and 3 more that Interswitch does not list; only Paystack offers Instant Payout, Instant Sandbox and 1 more.
Which is cheaper, Paystack or Interswitch?
Paystack has published rates from 1.95% (local), 3.9% (international); Interswitch has published rates from 1.5% (capped at NGN 2,000). Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Paystack and Interswitch?
Paystack lists 1 region and 12 payment methods; Interswitch lists 1 and 6. 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 Interswitch compare on integration and settlement?
both offer a sandbox; both support webhooks; Paystack settles in 1–7 business days, Interswitch 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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