Paystack pricing in 2026
Online payments for African businesses. How Paystack charges, its plans and the alternatives.
Billing
Pay as you use
Plans
How Paystack prices
Paystack is usage-based: you pay per transaction, message or unit used rather than a fixed subscription, so there's no plan price to show. Surba tracks what you actually pay each month.
No monthly fee. Nigeria: 1.5% + ₦100 per local transaction (₦100 waived under ₦2,500), capped at ₦2,000; international cards 3.9% + ₦100 (Amex 4.5%); USD transactions 3.9%; dedicated virtual accounts 1% capped at ₦300. Ghana 1.95%; Kenya 2.9% cards / 1.5% M-PESA; South Africa 2.9% + R1 (EFT 2%).
Checked on Paystack's site on 26 Oct 2026.
Alternatives
Alternatives to Paystack
Similar tools in Surba's catalog, cheapest first.
FAQ
Paystack pricing questions
How does Paystack charge?
Paystack is usage-based: you pay for what you use (transactions, messages, compute and so on) rather than a fixed subscription, so the bill depends on volume. No monthly fee. Nigeria: 1.5% + ₦100 per local transaction (₦100 waived under ₦2,500), capped at ₦2,000; international cards 3.9% + ₦100 (Amex 4.5%); USD transactions 3.9%; dedicated virtual accounts 1% capped at ₦300. Ghana 1.95%; Kenya 2.9% cards / 1.5% M-PESA; South Africa 2.9% + R1 (EFT 2%).
Finance
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Track Paystack and every other subscription in one place.
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