Paystack Pricing in 2026
10 plans, paid from 1 NGN, and a free plan.
Account
Billed free account; transaction fees apply when processing payments
free integration · test mode available
Paystack transaction pricing (Nigeria)
Billed No subscription; transaction fees apply: local transactions 1.5% + NGN 100, with the NGN 100 waived under NGN 2,500 and local fees capped at NGN 2,000.
No monthly subscription stated · zero integration fee · zero maintenance fee · transaction fees apply
Dedicated virtual accounts
Billed per transaction
fee capped at NGN 300
Nigeria local transactions
Billed per transaction
NGN 100 waived below NGN 2,500 · fee capped at NGN 2,000
Nigeria international transactions
Billed per transaction
international cards · settled in NGN by default or USD option
Nigeria transfers up to NGN 5,000
Billed per transfer
transfer amount up to NGN 5,000
Nigeria transfers NGN 5,001–50,000
Billed per transfer
transfer amount NGN 5,001–50,000
Nigeria transfers above NGN 50,000
Billed per transfer
transfer amount above NGN 50,000
Test SmartPeak P1000 terminal
Billed per device
test physical terminal device
Live SmartPeak P1000 terminal
Billed per device
physical terminal device
Read from Paystack's pricing page on 14 Oct 2026.
What the alternatives cost
| Product | Free | Paid from |
|---|---|---|
| Rotessa | Free trial | $0.35 |
| Powens | Free trial | — |
| IBANC pay-collect-control | Free trial | $279 |
| SlimPay | — | — |
| Front2Bax | — | $650 |
| Razorpay e-Mandate | — | — |