Paystack Fee Calculators
Select your country to calculate exact local fees, ₦2,000 fee caps, Mobile Money rates, and gross-up invoices.
Nigeria
NGN (₦)Local 1.5% + ₦100 (waived on < ₦2,500, hard-capped at ₦2,000) and international card processing.
Ghana
GHS (GH₵)MTN Mobile Money, Vodafone Cash, AT Money, and GHLink cards at 1.95% flat.
South Africa
ZAR (R)Local debit/credit cards (2.90% + R1.00) and Instant EFT bank transfers (2.00%).
Kenya
KES (KSh)Safaricom M-PESA mobile checkout and local Kenyan cards at 2.90% flat.
Frequently Asked Questions
What are Paystack processing rates in Nigeria, Ghana, and South Africa in 2026? ▼
In Nigeria, Paystack (a Stripe company) charges 1.5% + NGN 100 per transaction (NGN 100 fee is waived on transactions under NGN 2,500, with an absolute fee cap of NGN 2,000). In Ghana, fees are 1.95% flat. In South Africa, card fees are 2.9% + R1.00.
How does Paystack's NGN 2,000 fee cap save money on high-ticket Nigerian transactions? ▼
On domestic transactions in Nigeria, Paystack caps fees at NGN 2,000 regardless of order size. On a NGN 1,000,000 transaction, a standard 1.5% fee would be NGN 15,000, but Paystack deducts only NGN 2,000, effectively dropping the processing rate to just 0.20%.
Does Paystack support mobile money and USSD payments across Africa? ▼
Yes. Paystack natively integrates mobile money (MTN MoMo, Vodafone Cash, AirtelTigo in Ghana; M-Pesa in Kenya) and bank USSD codes (*737#, *919# in Nigeria), enabling checkout without bank cards.
What are Paystack's international transaction fees for foreign cards? ▼
For international cards processed in Nigeria, Paystack charges 3.9% + NGN 100 (with no fee cap), settling in Nigerian Naira or USD into designated domiciliary accounts.
How fast are Paystack merchant payouts to local commercial bank accounts? ▼
In Nigeria, payouts are deposited automatically on the next business day (T+1). In South Africa, settlement is T+2. Instant payouts can be triggered via the Paystack Transfers API.
How does Paystack handle chargeback disputes and fraud prevention? ▼
Paystack integrates two-factor 3D Secure authentication and custom fraud filters. When a chargeback is lodged, merchants have 16 hours to accept or decline the claim with proof of service via the dashboard.
Can businesses accept Apple Pay through Paystack in Africa? ▼
Yes. Nigerian and South African businesses can enable Apple Pay on Paystack, allowing international and local Apple device users to check out with biometric verification.
What documentation is required to register a live business on Paystack? ▼
Merchants require Certificate of Incorporation (CAC in Nigeria, CIPC in South Africa), Corporate Bank Account Details, Tax Identification Number (TIN), and BVN/NIN identification for company directors.