Head-to-Head Specification Audit
Paystack vs Peach Payments
Nigerian & African Businesses · Nigeria
Specification Matrix
| Metric | Paystack | Peach Payments |
|---|---|---|
| Starting Price | $0/moTie | $0/moTie |
| API Rate Limit | 300 req/minBetter | 100 req/min |
| Target Country | Nigeria | South Africa |
| Category | Payment Processing | Payments Platform |
| Compliance (vendor-stated) | NDPA, CBN Licensed, PCI-DSS | PCI-DSS, POPIA |
| Hosting Regions | NG-Lagos, GH-Accra, ZA-Johannesburg | AF-South |
| Native Integrations | 5 listedTie | 5 listedTie |
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
Peach Payments — Key Specs
Vendor-stated- ✓Leading South African payment gateway for e-commerce
- ✓All SA payment methods: Visa/MC, Ozow EFT, Capitec Pay, SnapScan, Zapper
- ✓Lists POPIA compliance framework — ZA data residency (vendor-stated)
- ✓PCI DSS Level 1 certified
Frequently Asked Questions
Which is lower-priced, Paystack or Peach Payments?+
Both tools start at Free plan available on their entry plans.
Which compliance frameworks do Paystack and Peach Payments list?+
Both list PCI-DSS in their vendor documentation. Paystack additionally lists NDPA, CBN Licensed. Peach Payments additionally lists POPIA. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Does Paystack or Peach Payments list POPIA as a supported compliance framework?+
Peach Payments lists POPIA (Protection of Personal Information Act) as a supported compliance framework per its vendor documentation. VektorIndex has not independently verified this claim. South African organisations should request the vendor's current Data Processing Agreement and confirm data residency settings before processing personal information. Paystack does not list POPIA as a supported compliance framework in its public documentation. Contact the vendor to confirm their position before processing South African personal information.
Which has a higher documented API rate limit — Paystack or Peach Payments?+
Paystack has a higher documented API rate limit at 300 req/min versus Peach Payments at 100 req/min.
Which data hosting regions do Paystack and Peach Payments support?+
Paystack lists hosting regions: NG-Lagos, GH-Accra, ZA-Johannesburg. Peach Payments lists hosting regions: 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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