Paystack alternatives

We compared Paystack with 12 other payment gateways on what one payment costs, in Kenya, Nigeria and South Africa. Every number says where it came from and when it was checked.

Our read · M-Pesa payment of KES 5,000, Kenya

Cheapest alternative for an M-Pesa payment of KES 5,000: Kopo Kopo and M-Pesa Daraja

Kopo Kopo and M-Pesa Daraja are the joint cheapest Paystack alternatives for an M-Pesa payment of KES 5,000 in Kenya: a KES 27.50 fee each, KES 47.50 less than Paystack (checked 22 Oct 2026).

Fee is one part of the cost. Settlement time, limits and licences are shown beside it, and none of them reorders the list.

Thimania is free to use. Rankings follow the fees we checked, never who pays us. Any link to a provider is on its profile, where we say whether we earn from it.

Paystack alternatives in Kenya for an M-Pesa payment of KES 5,000

5 gateways with a verified fee for it, cheapest first. All payment gateways in Kenya.

Fee on an M-Pesa payment of KES 5,000 in Kenya, cheapest first. Gateway names stay in view while you scroll sideways.
Gateway Fee on KES 5,000 lower is better Settlement time Checked
1. Kopo Kopo KES 27.50 Best 1 min 25 Oct 2026 Help centre: charges on payments
1. M-Pesa Daraja KES 27.50 Best 1 min 25 Oct 2026 M-PESA Business Hub FAQs
3. Cellulant KES 75 Not yet verified 24 Oct 2026 Tingg help centre: pricing rates for card, bank and mobile money
3. Paystack Comparing from KES 75 2 days 22 Oct 2026 Provider fee page
5. IntaSend KES 150 1 min 22 Oct 2026 Provider fee page

Not ranked for this payment, because we have no verified fee for it: DPO Pay, Pesapal.

Paystack alternatives in Kenya for a card payment of KES 5,000

3 gateways with a verified fee for it, cheapest first. All payment gateways in Kenya.

Fee on a card payment of KES 5,000 in Kenya, cheapest first. Gateway names stay in view while you scroll sideways.
Gateway Fee on KES 5,000 lower is better Settlement time Checked
1. Paystack Comparing from KES 145 Best 2 days 22 Oct 2026 Provider fee page
2. Cellulant KES 160 Not yet verified 24 Oct 2026 Tingg help centre: pricing rates for card, bank and mobile money
3. IntaSend KES 175 Not yet verified 22 Oct 2026 Provider fee page

Not ranked for this payment, because we have no verified fee for it: DPO Pay, Kopo Kopo, M-Pesa Daraja, Pesapal.

Paystack alternatives in Nigeria for a payment of ₦10,000 at the standard rate

5 gateways with a verified fee for it, cheapest first. All payment gateways in Nigeria.

Fee on a payment of ₦10,000 at the standard rate in Nigeria, cheapest first. Gateway names stay in view while you scroll sideways.
Gateway Fee on ₦10,000 lower is better Settlement time Checked
1. Squad ₦120 Best 1 day 22 Oct 2026 Provider fee page
2. Interswitch ₦150 1 day 25 Oct 2026 Quickteller Business pricing
2. Monnify ₦150 Not yet verified 22 Oct 2026 Provider fee page
4. Flutterwave ₦200 1 day 22 Oct 2026 Provider fee page
5. Paystack Comparing from ₦250 1 day 22 Oct 2026 Provider fee page

Not ranked for this payment, because we have no verified fee for it: Kora, Mono.

Paystack alternatives in Nigeria for an international card payment of ₦10,000

3 gateways with a verified fee for it, cheapest first. All payment gateways in Nigeria.

Fee on an international card payment of ₦10,000 in Nigeria, cheapest first. Gateway names stay in view while you scroll sideways.
Gateway Fee on ₦10,000 lower is better Settlement time Checked
1. Monnify ₦400 Best Not yet verified 22 Oct 2026 Provider fee page
2. Flutterwave ₦480 Not yet verified 22 Oct 2026 Provider fee page
3. Paystack Comparing from ₦490 1 day 22 Oct 2026 Provider fee page

Not ranked for this payment, because we have no verified fee for it: Interswitch, Kora, Mono, Squad.

Paystack alternatives in South Africa for a bank payment of R1,000

4 gateways with a verified fee for it, cheapest first. All payment gateways in South Africa.

Fee on a bank payment of R1,000 in South Africa, cheapest first. Gateway names stay in view while you scroll sideways.
Gateway Fee on R1,000 lower is better Settlement time Checked
1. Ozow R15.00 Best 1 day 22 Oct 2026 Provider fee page
2. Peach Payments R16.50 1 day 22 Oct 2026 Provider fee page
3. Payfast R20.00 Not yet verified 22 Oct 2026 Provider fee page
3. Paystack Comparing from R20.00 2 days 22 Oct 2026 Provider fee page

Not ranked for this payment, because we have no verified fee for it: Yoco.

Paystack alternatives in South Africa for a payment of R1,000 at the standard rate

3 gateways with a verified fee for it, cheapest first. All payment gateways in South Africa.

Fee on a payment of R1,000 at the standard rate in South Africa, cheapest first. Gateway names stay in view while you scroll sideways.
Gateway Fee on R1,000 lower is better Settlement time Checked
1. Paystack Comparing from R30.00 Best 2 days 22 Oct 2026 Provider fee page
2. Peach Payments R31.00 1 day 22 Oct 2026 Provider fee page
3. Payfast R34.00 Not yet verified 22 Oct 2026 Provider fee page

Not ranked for this payment, because we have no verified fee for it: Ozow, Yoco.

Paystack alternatives in South Africa for an international card payment of R1,000

4 gateways with a verified fee for it, cheapest first. All payment gateways in South Africa.

Fee on an international card payment of R1,000 in South Africa, cheapest first. Gateway names stay in view while you scroll sideways.
Gateway Fee on R1,000 lower is better Settlement time Checked
1. Paystack Comparing from R32.00 Best 2 days 22 Oct 2026 Provider fee page
1. Yoco R32.00 Best Not yet verified 22 Oct 2026 Provider fee page
3. Ozow R35.00 1 day 22 Oct 2026 Provider fee page
4. Peach Payments R36.50 1 day 22 Oct 2026 Provider fee page

Not ranked for this payment, because we have no verified fee for it: Payfast.

How we compared them

A fair comparison needs the same payment, so each gateway is priced for exactly the kind of payment and amount in the heading, from the rate it publishes for it. The fee is calculated from that rate, including any fixed fee, minimum or cap. It leaves out VAT and other taxes, setup and monthly fees, payout charges and rates negotiated for large merchants, so check those before you sign up.

Questions people ask

What is the cheapest Paystack alternative for an M-Pesa payment of KES 5,000 in Kenya?

Kopo Kopo and M-Pesa Daraja. Each charges KES 27.50, against KES 75 at Paystack (checked 22 Oct 2026).

What is the cheapest Paystack alternative for a card payment of KES 5,000 in Kenya?

Cellulant. It charges KES 160, against KES 145 at Paystack (checked 22 Oct 2026).

What is the cheapest Paystack alternative for a payment of ₦10,000 at the standard rate in Nigeria?

Squad. It charges ₦120, against ₦250 at Paystack (checked 22 Oct 2026).

What is the cheapest Paystack alternative for an international card payment of ₦10,000 in Nigeria?

Monnify. It charges ₦400, against ₦490 at Paystack (checked 22 Oct 2026).

What is the cheapest Paystack alternative for a bank payment of R1,000 in South Africa?

Ozow. It charges R15.00, against R20.00 at Paystack (checked 22 Oct 2026).

What is the cheapest Paystack alternative for a payment of R1,000 at the standard rate in South Africa?

Peach Payments. It charges R31.00, against R30.00 at Paystack (checked 22 Oct 2026).

What is the cheapest Paystack alternative for an international card payment of R1,000 in South Africa?

Yoco. It charges R32.00, the same as Paystack (checked 22 Oct 2026).

Are these Paystack alternatives licensed?

7 of 12 are shown as authorised or registered by their regulator. Each profile lists the regulator and licence status so you can check it yourself.