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PAYSTRAX

PAYSTRAX

Verified

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

VS

Niobi

African payments infrastructure for collections, payouts, and financial operations

Niobi
Fees from
— vs Custom
Features

4 shared

1 unique to PAYSTRAX · 6 unique to Niobi
Regions

1 shared

1 unique to PAYSTRAX · 1 unique to Niobi
Pay methods

0 shared

6 unique to PAYSTRAX · 7 unique to Niobi

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Show full specs
11 features · 13 payment methods · 3 regions. We don't rank these — they're here for reference.
PAYSTRAX PAYSTRAX
Niobi Niobi
Quick Facts
Fees
Standard transaction rate
—
Custom
Settlement
Time to receive funds
2–3 business days
—
Founded
2018
2023
Headquarters
St Julian's, Malta
Nairobi, Kenya
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
Niobi leads (10 vs 5)
Crypto Support Unique
—
✓
Enterprise
✓
✓
High Risk Accepted Unique
✓
—
Instant Payout Unique
—
✓
Low Fees Unique
—
✓
Marketplace Support Unique
—
✓
Mobile Payments
✓
✓
Multi Currency
✓
✓
Recurring Payments
✓
✓
Startup Friendly Unique
—
✓
Virtual Items Unique
—
✓
Payment Methods
Niobi leads (7 vs 6)
Apple Pay Unique
✓
—
Credit Card Unique
✓
—
Eft Unique
—
✓
Google Pay Unique
✓
—
M Pesa Unique
—
✓
Mastercard Unique
✓
—
Mobile Wallet Unique
—
✓
Pos Unique
✓
—
Stablecoin Unique
—
✓
Swift Unique
—
✓
Usdc Unique
—
✓
Usdt Unique
—
✓
Visa Unique
✓
—
Regions
Africa Unique
—
✓
Europe Unique
✓
—
Global
✓
✓

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 Niobi
Want coverage in Europe
Niobi doesn't cover this region
View PAYSTRAX

Niobi is best when you...

African payments infrastructure for collections, payouts, and financial operations
Need Crypto Support
Not available with PAYSTRAX
Need Instant Payout
Not available with PAYSTRAX
Want coverage in Africa
PAYSTRAX doesn't cover this region
View Niobi

Frequently Asked Questions

What is the difference between PAYSTRAX and Niobi?
They share 0 payment methods and 1 region. PAYSTRAX adds Apple Pay, Credit Card, Google Pay and 3 more that Niobi does not list; Niobi adds EFT, M-Pesa, Mobile Wallet and 4 more that PAYSTRAX does not list; PAYSTRAX also covers Europe; Niobi also covers Africa.
Which is cheaper, PAYSTRAX or Niobi?
PAYSTRAX has no published rate; 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 PAYSTRAX and Niobi?
PAYSTRAX lists 2 regions and 6 payment methods; Niobi lists 2 and 7. both cover Global. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do PAYSTRAX and Niobi compare on integration and settlement?
Niobi offers a sandbox, PAYSTRAX does not list one; Niobi supports webhooks; PAYSTRAX publishes a settlement time of 2–3 business days.

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