Pricing for

Simple, fair pricing

Paystack only makes money when you do.

For Local Transactions

1.5% + NGN 100

  • ₦100 fee waived for transactions under ₦2500
  • Local transactions fees are capped at ₦2000, meaning that's the absolute maximum you'll ever pay in fees per transaction
For International Transactions

3.9% + NGN 100

  • Get paid by your customers from all over the world
  • International cards are charged and settled in Naira by default, but you can also choose to get settled in USD.


Transfers of NGN 5,000 and below
NGN 10 per Transfer
Transfers between NGN 5,001 and NGN 50,000
NGN 25 per Transfer
Transfers above NGN 50,000
NGN 50 per Transfer

Virtual Accounts

Dedicated Virtual Accounts (DVA)
1% per transaction (capped at NGN 300)

Virtual Terminal

1% capped at NGN 300
USSD Transactions
1.5% + NGN 100 capped at NGN 2,000 (NGN 100 waived for transactions under NGN 2,500)
Local Card Transactions
1.5% + NGN 100 capped at NGN 2,000 (NGN 100 waived for transactions under NGN 2,500)
International Card Transactions
3.9% + NGN 100


Live SmartPeak P1000
NGN 100,000 per device
Test SmartPeak P1000
NGN 85,000 per device
Card Transactions on Terminal
0.5% capped at NGN 1,000
USSD Transactions on Terminal
1.5% + NGN 100 capped at NGN 2,000. (NGN 100 waived for transactions under NGN 2,500)
Bank Transfers on Terminal
1.5% + NGN 100 capped at NGN 2,000. (NGN 100 waived for transactions under NGN 2,500)

Do the math

See how much it costs to use Paystack. Enter an amount into the calculator to see our charges.

We'll settle you
Paystack Fees (1.5% + N100)
  • Free, automatic settlement within 24 hours
  • Local fees capped at NGN 2,000
  • Volume discounts available
  • No hidden fees or charges
  • Zero integration fee
  • Zero maintenance fee


How long does it take for me to get my money?

Your money is automatically settled to your bank account the next working day (T+1). So payments received on Monday, for example, will be settled on Tuesday.

How much does it cost to integrate Paystack?

It's 100% free to integrate Paystack!

Is it possible to get settled in USD?

Yes! We're running a public pilot of USD settlements, and you can now get settled in USD in Zenith Bank domiciliary accounts.

Do you offer transaction volume discounts?

Yup! Merchants who process large volumes enjoy a discount on the transaction fee.

What do you get for this price?

Paystack is a complete payments solution for businesses of every type, and at every scale.

Collect Payments For Multiple Channels 1 1

Delight customers with a seamless payments experience

Give your customers the gift of modern, frictionless, painless payments. Integrate Paystack once and let your customers pay you however they want.

  • Card
  • Bank Account
  • Bank Transfer
  • USSD
  • Apple Pay
  • Visa QR
  • Mobile Money
  • POS

Protect yourself and your customers with advanced fraud detection

Paystack’s combination of automated and manual fraud systems protect you from fraudulent transactions and associated chargeback claims.

Robust Suite Of Apis Opt

Build custom payments experiences with well-documented APIs

Developers love our thorough, well-documented APIs that let you to build everything from simple weekend projects, to complex financial products serving hundreds of thousands of customers. If you can imagine it, you can build it with Paystack.

  • Collect one-time and recurring payments from your app or website
  • Make instant transfers
  • Retrieve all your transaction and customer data
  • Verify the identity of customers

Understand exactly how your business is performing

Paystack provides detailed reporting, alerts, and exports, so you and your team are always on top of business.

  • Super easy reconciliation
  • Detailed reports on successful, abandoned, and failed transactions
  • Granular user permissions lets you control the info each member of your team has access to
  • Automated chargeback alerts
  • Searchable Customer Directory
  • Analyze customer purchase patterns with Customer Insights
Customer Success at Work

Get attentive, empathetic help 24/7

Our Customer Success team is available around the clock to support you, and they’re empowered to resolve issues as quickly as possible.