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Paystack

Paystack

Nigerian Market

VS

PayFast

South African Market

PayFast
Fees from
1.95% (local), 3.9% (international) vs 3.2%
Features

2 shared

2 unique to Paystack
Regions

1 shared

Pay methods

6 shared

6 unique to Paystack · 6 unique to PayFast

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4 features · 18 payment methods · 1 regions. We don't rank these — they're here for reference.
Paystack Paystack
PayFast PayFast
Quick Facts
Fees
Standard transaction rate
1.95% (local), 3.9% (international)
3.2%
Settlement
Time to receive funds
1–7 business days
2–3 business days
Founded
2015
1999
Headquarters
Lagos, Nigeria
Cape Town, South Africa
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Paystack leads (4 vs 2)
Enterprise Unique
✓
—
Instant Payout
✓
✓
Instant Sandbox Unique
✓
—
Startup Friendly
✓
✓
Payment Methods
Apple Pay
✓
✓
Bank Transfer Unique
✓
—
Bnpl Unique
—
✓
Contactless Unique
—
✓
Credit Card
✓
✓
Debit Card
✓
✓
Eft
✓
✓
Google Pay Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
✓
—
Mobile Payment Unique
—
✓
Mobile Wallet Unique
✓
—
Pos Unique
✓
—
Qr Code Unique
—
✓
Samsung Pay Unique
—
✓
Ussd Unique
✓
—
Verve Unique
✓
—
Visa
✓
✓
Regions
Africa
✓
✓

Paystack is best when you...

Nigerian Market
Need Enterprise
Not available with PayFast
Need Instant Sandbox
Not available with PayFast
View Paystack

PayFast is best when you...

South African Market
View PayFast

Frequently Asked Questions

What is the difference between Paystack and PayFast?
They share 6 payment methods and 1 region. Paystack adds Bank Transfer, Mobile Money, Mobile Wallet and 3 more that PayFast does not list; PayFast adds Buy Now Pay Later, Contactless, Google Pay and 3 more that Paystack does not list; only Paystack offers Enterprise, Instant Sandbox.
Which is cheaper, Paystack or PayFast?
Paystack has published rates from 1.95% (local), 3.9% (international); PayFast has published rates from 3.2%. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Paystack and PayFast?
Paystack lists 1 region and 12 payment methods; PayFast lists 1 and 12. 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 PayFast compare on integration and settlement?
both offer a sandbox; both support webhooks; Paystack settles in 1–7 business days, PayFast in 2–3 business days.

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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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