specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Paystack
providerId: paystack
created: '2026-05-24'
modified: '2026-05-24'
reconciled: true
tags:
  - Payments
  - Africa
  - Recurring Billing
  - Payouts
description: >-
  Reconciled commercial plans and per-transaction pricing for Paystack across its supported African
  markets. Paystack has no monthly subscription tier — pricing is purely per-transaction, with
  market- and channel-specific rates and caps. International cards and dollar transactions carry a
  different rate from local channels.
sources:
  - https://paystack.com/ng/pricing
  - https://paystack.com/gh/pricing
  - https://paystack.com/za/pricing
  - https://paystack.com/ke/pricing
  - https://paystack.com/ci/pricing
  - https://paystack.com/eg/pricing
  - https://paystack.com/terms
plans:
  - id: paystack-nigeria-local
    name: Paystack Nigeria — Local Transactions
    type: usage-based
    description: Local Nigerian card, bank, USSD, QR, and mobile money transactions denominated in NGN.
    entries:
      - label: Local transactions
        name: local_txn
        type: metered
        metric: transaction
        timeFrame: usage
        geo: NG
        unit: 1
        price: '0.015'
        description: 1.5% of transaction value.
        userMultiplied: false
      - label: Local transaction cap
        name: local_txn_cap
        type: cap
        metric: NGN
        timeFrame: usage
        geo: NG
        unit: 1
        price: '2000'
        description: Fee capped at NGN 2,000 per transaction.
        userMultiplied: false
      - label: Local fee waiver threshold
        name: local_fee_waiver
        type: threshold
        metric: NGN
        timeFrame: usage
        geo: NG
        unit: 1
        price: '2500'
        description: Additional NGN 100 is waived on transactions under NGN 2,500.
        userMultiplied: false
  - id: paystack-nigeria-international
    name: Paystack Nigeria — International Cards
    type: usage-based
    description: International card transactions and USD payments processed in Nigeria.
    entries:
      - label: International cards
        name: intl_card
        type: metered
        metric: transaction
        timeFrame: usage
        geo: NG
        unit: 1
        price: '0.039'
        description: 3.9% + NGN 100 per transaction.
        userMultiplied: false
      - label: International card flat fee
        name: intl_card_flat
        type: metered
        metric: NGN
        timeFrame: usage
        geo: NG
        unit: 1
        price: '100'
        description: NGN 100 fixed component per international card transaction.
        userMultiplied: false
  - id: paystack-nigeria-transfers
    name: Paystack Nigeria — Transfers (Payouts)
    type: usage-based
    description: Payouts from Paystack balance to Nigerian bank accounts.
    entries:
      - label: Transfer under NGN 5,000
        name: transfer_under_5k
        type: metered
        metric: transfer
        timeFrame: usage
        geo: NG
        unit: 1
        price: '10'
        description: NGN 10 per transfer below NGN 5,000.
        userMultiplied: false
      - label: Transfer NGN 5,000 to 50,000
        name: transfer_5k_50k
        type: metered
        metric: transfer
        timeFrame: usage
        geo: NG
        unit: 1
        price: '25'
        description: NGN 25 per transfer between NGN 5,000 and NGN 50,000.
        userMultiplied: false
      - label: Transfer above NGN 50,000
        name: transfer_above_50k
        type: metered
        metric: transfer
        timeFrame: usage
        geo: NG
        unit: 1
        price: '50'
        description: NGN 50 per transfer above NGN 50,000.
        userMultiplied: false
  - id: paystack-ghana-local
    name: Paystack Ghana — Local Transactions
    type: usage-based
    description: Local Ghanaian card and mobile money transactions in GHS.
    entries:
      - label: Local transactions
        name: local_txn
        type: metered
        metric: transaction
        timeFrame: usage
        geo: GH
        unit: 1
        price: '0.0195'
        description: 1.95% per local transaction.
        userMultiplied: false
      - label: International cards
        name: intl_card
        type: metered
        metric: transaction
        timeFrame: usage
        geo: GH
        unit: 1
        price: '0.035'
        description: 3.5% per international card transaction.
        userMultiplied: false
  - id: paystack-south-africa-local
    name: Paystack South Africa — Local Cards and EFT
    type: usage-based
    description: South African card, instant EFT, and Capitec Pay transactions in ZAR.
    entries:
      - label: Local cards
        name: local_card
        type: metered
        metric: transaction
        timeFrame: usage
        geo: ZA
        unit: 1
        price: '0.029'
        description: 2.9% per local card transaction.
        userMultiplied: false
      - label: Local card flat fee
        name: local_card_flat
        type: metered
        metric: ZAR
        timeFrame: usage
        geo: ZA
        unit: 1
        price: '1.00'
        description: ZAR 1.00 flat fee per local card transaction.
        userMultiplied: false
      - label: International cards
        name: intl_card
        type: metered
        metric: transaction
        timeFrame: usage
        geo: ZA
        unit: 1
        price: '0.039'
        description: 3.9% per international card transaction.
        userMultiplied: false
  - id: paystack-kenya-local
    name: Paystack Kenya — Local M-Pesa and Cards
    type: usage-based
    description: M-Pesa STK Push and local card transactions in KES.
    entries:
      - label: M-Pesa STK Push
        name: mpesa
        type: metered
        metric: transaction
        timeFrame: usage
        geo: KE
        unit: 1
        price: '0.015'
        description: 1.5% per M-Pesa STK Push transaction.
        userMultiplied: false
      - label: Local cards
        name: local_card
        type: metered
        metric: transaction
        timeFrame: usage
        geo: KE
        unit: 1
        price: '0.029'
        description: 2.9% per local card transaction.
        userMultiplied: false
  - id: paystack-cote-d-ivoire-local
    name: Paystack Côte d'Ivoire — Mobile Money and Cards
    type: usage-based
    description: Orange Money, MTN MoMo, Wave, and local card transactions in XOF.
    entries:
      - label: Mobile money
        name: momo
        type: metered
        metric: transaction
        timeFrame: usage
        geo: CI
        unit: 1
        price: '0.0195'
        description: 1.95% per mobile money transaction.
        userMultiplied: false
      - label: Local cards
        name: local_card
        type: metered
        metric: transaction
        timeFrame: usage
        geo: CI
        unit: 1
        price: '0.029'
        description: 2.9% per local card transaction.
        userMultiplied: false
  - id: paystack-egypt-local
    name: Paystack Egypt — Local Cards and Wallets
    type: usage-based
    description: Local card, Meeza, Fawry, and mobile wallet transactions in EGP.
    entries:
      - label: Local cards
        name: local_card
        type: metered
        metric: transaction
        timeFrame: usage
        geo: EG
        unit: 1
        price: '0.0275'
        description: 2.75% per local card transaction.
        userMultiplied: false
      - label: International cards
        name: intl_card
        type: metered
        metric: transaction
        timeFrame: usage
        geo: EG
        unit: 1
        price: '0.039'
        description: 3.9% per international card transaction.
        userMultiplied: false
notes:
  - Pricing varies by country, channel (card, bank, USSD, mobile money, transfer), and whether the
    transaction is local or cross-border.
  - Paystack publishes effective pricing on per-country pricing pages — confirm the latest rates
    against paystack.com/{country-iso}/pricing before invoicing.
  - Settlement schedules are T+1 for most local channels in Nigeria; varies elsewhere.