Payment Gateways

Razorpay vs Paystack

Both are payment gateways. The short answer: choose Razorpay if you are online businesses and startups wanting a developer-friendly gateway; choose Paystack if you are businesses accepting payments in Nigeria, Ghana, Kenya and South Africa.

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Razorpay logo RazorpayPaystack logo Paystack
Best forOnline businesses and startups wanting a developer-friendly gatewayBusinesses accepting payments in Nigeria, Ghana, Kenya and South Africa
Free planVerifyVerify
PricingSee providerSee provider
Built for IndiaYesGlobal
CategoriesPayment GatewaysPayment Gateways
Strengths
  • Wide payment method support
  • Payment links without a website
  • Good developer documentation
  • Local payment methods
  • Developer-friendly
  • Backed by Stripe
Watch out for
  • Fees and settlement terms vary by business type
  • KYC approval required
  • Africa-only merchants
  • Fees vary by country
Visit RazorpayVisit Paystack

Which should you choose?

Razorpay: Payment gateway with UPI, cards, netbanking and wallets, plus payment links, pages, subscriptions and invoices.

Paystack: Stripe-owned African payment gateway for cards, bank transfers, USSD and mobile money.

The best way to decide is to run the same week of real work through both — most offer a free plan or trial — and compare how long tasks take, what your team prefers, and the total cost for your number of users including renewal pricing.

Not sure either fits? See all payment gateways compared.