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Paystack

Paystack

Nigerian Market

VS

Niobi

African payments infrastructure for collections, payouts, and financial operations

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

3 shared

1 unique to Paystack · 7 unique to Niobi
Regions

1 shared

1 unique to Niobi
Pay methods

2 shared

10 unique to Paystack · 5 unique to Niobi

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Show full specs
11 features · 17 payment methods · 2 regions. We don't rank these — they're here for reference.
Paystack Paystack
Niobi Niobi
Quick Facts
Fees
Standard transaction rate
1.95% (local), 3.9% (international)
Custom
Settlement
Time to receive funds
1–7 business days
—
Founded
2015
2023
Headquarters
Lagos, Nigeria
Nairobi, Kenya
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Niobi leads (10 vs 4)
Crypto Support Unique
—
✓
Enterprise
✓
✓
Instant Payout
✓
✓
Instant Sandbox Unique
✓
—
Low Fees Unique
—
✓
Marketplace Support Unique
—
✓
Mobile Payments Unique
—
✓
Multi Currency Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Virtual Items Unique
—
✓
Payment Methods
Paystack leads (12 vs 7)
Apple Pay Unique
✓
—
Bank Transfer Unique
✓
—
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Eft
✓
✓
M Pesa Unique
—
✓
Mastercard Unique
✓
—
Mobile Money Unique
✓
—
Mobile Wallet
✓
✓
Pos Unique
✓
—
Stablecoin Unique
—
✓
Swift Unique
—
✓
Usdc Unique
—
✓
Usdt Unique
—
✓
Ussd Unique
✓
—
Verve Unique
✓
—
Visa Unique
✓
—
Regions
Niobi leads (2 vs 1)
Africa
✓
✓
Global Unique
—
✓

Paystack is best when you...

Nigerian Market
Need Instant Sandbox
Not available with Niobi
View Paystack

Niobi is best when you...

African payments infrastructure for collections, payouts, and financial operations
Need Crypto Support
Not available with Paystack
Need Low Fees
Not available with Paystack
Want coverage in Global
Paystack doesn't cover this region
View Niobi

Frequently Asked Questions

What is the difference between Paystack and Niobi?
They share 2 payment methods and 1 region. Paystack adds Apple Pay, Bank Transfer, Credit Card and 7 more that Niobi does not list; Niobi adds M-Pesa, Stablecoin, SWIFT and 2 more that Paystack does not list; Niobi also covers Global; only Paystack offers Instant Sandbox.
Which is cheaper, Paystack or Niobi?
Paystack has published rates from 1.95% (local), 3.9% (international); Niobi 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 Niobi?
Paystack lists 1 region and 12 payment methods; Niobi lists 2 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 Niobi compare on integration and settlement?
both offer a sandbox; both support webhooks; Paystack publishes a settlement time of 1–7 business days.

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