Head-to-Head Specification Audit
Paystack vs Flutterwave
Nigerian & African Businesses · Nigeria
Specification Matrix
| Metric | Paystack | Flutterwave |
|---|---|---|
| Starting Price | $0/moTie | $0/moTie |
| API Rate Limit | 300 req/minBetter | 200 req/min |
| Target Country | Nigeria | Africa |
| Category | Payment Processing | Payments Platform |
| Compliance (vendor-stated) | NDPA, CBN Licensed, PCI-DSS | NDPA, PCI-DSS |
| Hosting Regions | NG-Lagos, GH-Accra, ZA-Johannesburg | AF-West, AF-East, AF-South |
| Native Integrations | 5 listed | 6 listedBetter |
Paystack — Key Specs
Vendor-stated- ✓Acquired by Stripe — a widely-used payment API serving African markets
- ✓Supports Nigerian bank transfers, USSD, Visa/Mastercard, and mobile money
- ✓Instant settlement to Nigerian bank accounts
- ✓Now available in Ghana, South Africa, Kenya, Ivory Coast
Flutterwave — Key Specs
Vendor-stated- ✓Largest pan-African payment gateway — 35+ African markets
- ✓SWIFT, SEPA, local mobile money (M-Pesa, MTN MoMo, Airtel), cards
- ✓PCI DSS Level 1 certified
- ✓Storefront, invoicing, and recurring billing included
Frequently Asked Questions
Which is lower-priced, Paystack or Flutterwave?+
Both tools start at Free plan available on their entry plans.
Which compliance frameworks do Paystack and Flutterwave list?+
Both list NDPA, PCI-DSS in their vendor documentation. Paystack additionally lists CBN Licensed. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Which has a higher documented API rate limit — Paystack or Flutterwave?+
Paystack has a higher documented API rate limit at 300 req/min versus Flutterwave at 200 req/min.
Which data hosting regions do Paystack and Flutterwave support?+
Paystack lists hosting regions: NG-Lagos, GH-Accra, ZA-Johannesburg. Flutterwave lists hosting regions: AF-West, AF-East, AF-South. For data residency requirements in Nigeria, confirm exact region configuration directly with each vendor.
Data last updated: 29 August 2026 — Sourced from official vendor documentation. Not independently audited. Report incorrect information
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