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PAYSTRAX

PAYSTRAX

EEA & UK merchants in iGaming, Forex and high-volume cross-border verticals needing a direct Visa/Mastercard acquirer

VS

Flutterwave

Pan-African Payments

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

1 shared

4 unique to PAYSTRAX · 3 unique to Flutterwave
Regions

0 shared

1 unique to PAYSTRAX · 1 unique to Flutterwave
Pay methods

6 shared

10 unique to Flutterwave

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Show full specs
8 features · 16 payment methods · 2 regions. We don't rank these — they're here for reference.
PAYSTRAX PAYSTRAX
Flutterwave Flutterwave
Quick Facts
Fees
Standard transaction rate
Custom
1.4% (local), 3.8% (international)
Settlement
Time to receive funds
1–7 business days
Next business day
Founded
2018
2016
Headquarters
Vilnius, Lithuania
San Francisco, California / Lagos, Nigeria
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
PAYSTRAX leads (5 vs 4)
Enterprise
✓
✓
High Risk Accepted Unique
✓
—
Instant Payout Unique
—
✓
Instant Sandbox Unique
—
✓
Mobile Payments Unique
✓
—
Multi Currency Unique
✓
—
Recurring Payments Unique
✓
—
Startup Friendly Unique
—
✓
Payment Methods
Flutterwave leads (16 vs 6)
Amex Unique
—
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Credit Card
✓
✓
Debit Card Unique
—
✓
Google Pay
✓
✓
M Pesa Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Payment Link Unique
—
✓
Pos
✓
✓
Qr Code Unique
—
✓
Ussd Unique
—
✓
Verve Unique
—
✓
Virtual Card Unique
—
✓
Visa
✓
✓
Regions
Africa Unique
—
✓
Europe Unique
✓
—

PAYSTRAX is best when you...

EEA & UK merchants in iGaming, Forex and high-volume cross-border verticals needing a direct Visa/Mastercard acquirer
Need High Risk Accepted
Not available with Flutterwave
Need Mobile Payments
Not available with Flutterwave
Want coverage in Europe
Flutterwave doesn't cover this region
View PAYSTRAX

Flutterwave is best when you...

Pan-African Payments
Need Instant Payout
Not available with PAYSTRAX
Need Instant Sandbox
Not available with PAYSTRAX
Want coverage in Africa
PAYSTRAX doesn't cover this region
View Flutterwave

Frequently Asked Questions

What is the difference between PAYSTRAX and Flutterwave?
They share 6 payment methods and 0 regions. Flutterwave adds Amex, Bank Transfer, Debit Card and 7 more that PAYSTRAX does not list; PAYSTRAX also covers Europe; Flutterwave also covers Africa; only PAYSTRAX offers High Risk Accepted, Mobile Payments and 2 more.
Which is cheaper, PAYSTRAX or Flutterwave?
PAYSTRAX has custom pricing quoted on engagement; Flutterwave has published rates from 1.4% (local), 3.8% (international). Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use PAYSTRAX and Flutterwave?
PAYSTRAX lists 1 region and 6 payment methods; Flutterwave lists 1 and 16. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do PAYSTRAX and Flutterwave compare on integration and settlement?
Flutterwave offers a sandbox, PAYSTRAX does not list one; Flutterwave supports webhooks; PAYSTRAX settles in 1–7 business days, Flutterwave in Next business day.

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