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Paystack

Accept payments online in Nigeria

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Works in AfricaAfrica-built

Nigeria's leading payment gateway. Accept cards, bank transfers, USSD, and mobile money. Trusted by thousands of Nigerian startups for online and recurring payments.

Facts about Paystack

Category
Payments
Availability
Works in Africa
Countries
πŸ‡³πŸ‡¬NigeriaπŸ‡¬πŸ‡­GhanaπŸ‡ΏπŸ‡¦South AfricaπŸ‡°πŸ‡ͺKenyaπŸ‡ͺπŸ‡¬Egypt
Pricing
Free tier
Typical setup time
< 1 hour
Best for
Early-stage, SaaS, Ecommerce
Last verified
Sep 21, 2026

Use when

You need to accept online payments from Nigerian or Ghanaian customers with minimal setup.

Skip when

Your customers are primarily outside Africa and paying in USD - consider Stripe instead.

KYC requires BVN and a registered business for full account limits. Payouts to Nigerian bank accounts are fast - usually same day. Published rates (21 Sep 2026): 1.5% + ₦100 on local transactions, with the ₦100 waived under ₦2,500 and total local fees capped at ₦2,000. International cards 3.9% + ₦100. Nigerian VAT of 7.5% applies on the fee itself, which is easy to miss when comparing quotes. No setup or monthly charge. Confirm before integrating.

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