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Midtrans vs Paystack
Midtrans and Paystack are both card processing platforms. On a $1,000 payment you keep about $971–$993 on Midtrans and $985 on Paystack, before withdrawal or currency-conversion costs.
Updated · from each platform’s published fees and payout terms · how we verify
Key differences
- On a $1,000 payment you keep about $971–$993 on Midtrans and $985 on Paystack, before withdrawal or currency-conversion costs.
- Both pay out via Bank transfer.
- Midtrans is the older platform — founded in 2012, 3 years before Paystack (2015).
- Midtrans is based in Indonesia, Paystack in Nigeria.
Side by side
Midtrans
An Indonesian payment gateway (GoTo) for accepting cards, bank transfers, and e-wallets.
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Paystack
The Stripe-owned processor built for Africa - Nigerian, Ghanaian, South African, and Kenyan businesses accept…
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|---|---|---|
| Type | Card processing like Stripe | Card processing like Stripe |
| Category | Payments | Payments |
| Vetted | No | No |
| Work from home | Yes | Yes |
| Fees | Cards 2.9% + Rp2000, QRIS 0.7% | From 1.5% per local transaction |
| Minimum payout | — | Ghana GHS 50 via bank, no minimum via mobile money, Nigeria on-demand NGN 1000 |
| Payout speed | Payout requests from the Merchant Portal any business day for transactions settled at least 3 business days earlier | Ghana automatic settlement next working day, timing varies by country |
| Withdraw via | Bank payout after settlement | Bank transfer |
| Availability | Indonesia | Nigeria, Ghana, South Africa, Kenya, Ivory Coast |
| Local to | Indonesia | Nigeria, Ghana, South Africa, Kenya |
| Founded | 2012 | 2015 |
| Headquarters | Jakarta, Indonesia | Lagos, Nigeria |
| Popularity | 46 views · 0 likes | 47 views · 0 likes |
Frequently asked questions
Which is cheaper, Midtrans or Paystack?
On a $1,000 payment you keep about $971–$993 on Midtrans and $985 on Paystack, before withdrawal or currency-conversion costs.
How fast do Midtrans and Paystack pay out?
Midtrans: Payout requests from the Merchant Portal any business day for transactions settled at least 3 business days earlier. Paystack: Ghana automatic settlement next working day, timing varies by country.
Where are Midtrans and Paystack available?
Midtrans: Indonesia. Paystack: Nigeria, Ghana, South Africa, Kenya, Ivory Coast.