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Paystack vs PayU
Paystack and PayU are both card processing platforms. Fees — Paystack: From 1.5% per local transaction. PayU: ~2% per transaction + GST (India focus).
Updated · from each platform’s published fees and payout terms · how we verify
Key differences
- Fees — Paystack: From 1.5% per local transaction. PayU: ~2% per transaction + GST (India focus).
- Both pay out via Bank transfer.
- PayU is the older platform — founded in 2002, 13 years before Paystack (2015).
- Paystack is based in Nigeria, PayU in Netherlands.
Which should you choose?
Choose PayU if…
- You prefer a long track record (since 2002).
Side by side
Paystack
The Stripe-owned processor built for Africa - Nigerian, Ghanaian, South African, and Kenyan businesses accept…
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PayU
A major processor for emerging markets - merchants in India, Latin America, and Central Europe accept cards an…
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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 | From 1.5% per local transaction | ~2% per transaction + GST (India focus) |
| Minimum payout | Ghana GHS 50 via bank, no minimum via mobile money, Nigeria on-demand NGN 1000 | — |
| Payout speed | Ghana automatic settlement next working day, timing varies by country | — |
| Withdraw via | Bank transfer | Bank transfer |
| Availability | Nigeria, Ghana, South Africa, Kenya, Ivory Coast | India, Latin America, Central and Eastern Europe, Africa |
| Local to | Nigeria, Ghana, South Africa, Kenya | — |
| Founded | 2015 | 2002 |
| Headquarters | Lagos, Nigeria | Hoofddorp, Netherlands |
| Popularity | 47 views · 0 likes | 41 views · 0 likes |
Frequently asked questions
Which is cheaper, Paystack or PayU?
Paystack: From 1.5% per local transaction. PayU: ~2% per transaction + GST (India focus).
Where are Paystack and PayU available?
Paystack: Nigeria, Ghana, South Africa, Kenya, Ivory Coast. PayU: India, Latin America, Central and Eastern Europe, Africa.