Accept Paystack
without building the integration
Paystack is a payment gateway that lets businesses in Nigeria, Ghana, South Africa, Kenya and Côte d'Ivoire accept card, bank transfer, USSD and mobile money payments through one API. It is a full-stack processor rather than an aggregator, which means a merchant account is opened directly with Paystack in each supported country.
- NGN
- GHS
- ZAR
- KES
- USD
- Region
- Nigeria, Ghana, South Africa, Kenya & Côte d'Ivoire
- Methods
- 6
- Credentials
- Server-side only
- PaymentHood fee
- None
- Status
- Live
What is Paystack?
- Coverage
-
- Nigeria
- Ghana
- South Africa
- Kenya
- Côte d'Ivoire
Among the markets Paystack serves — their own list is authoritative (opens in new tab).
- Currencies
-
- NGN
- GHS
- ZAR
- KES
- USD
Among those supported. Which ones your account can charge in depends on its registered country.
- Fees
- Set and billed by Paystack, and published on their pricing page (opens in new tab). PaymentHood adds nothing on top, at any volume.
- Official resources
- Website (opens in new tab) · Developer docs (opens in new tab)
Written against Paystack's own documentation on . This page deliberately states no fees, no counts and no completeness claims, because those change without notice — for anything you are about to build on, Paystack's own documentation (opens in new tab) is the authority.
Paystack payment methods
Every method below runs through the same PaymentHood checkout. Turning one on or off is a dashboard setting, not a code change.
Cards
Visa, Mastercard and Verve debit and credit cards
Bank transfer
Customer-initiated transfer to a generated account number
USSD
Nigerian bank shortcodes, no smartphone required
Mobile money
M-PESA, MTN, AirtelTigo and Vodafone, in the countries where each operates
QR
Scan-to-pay at checkout
Dedicated Virtual Account
A persistent account number per customer, for recurring collections
Paystack fees and pricing
Two separate bills, and only one of them exists.
- What PaymentHood charges
- Nothing on your Paystack transactions. No percentage and no per-transaction cut, at any volume. Every payment feature is free, and the optional Premium plan only adds white-label checkout branding.
- What Paystack charges
- Paystack sets its own rates and bills you directly. PaymentHood never sits between you and that invoice, so switching to or from Paystack changes what you pay Paystack and nothing else.
- What moves the rate
- Payment providers price per market and per method rather than as a single global figure. Paystack operates across 5 countries, so the country the payment is taken in matters. It settles in NGN, GHS, ZAR, KES, USD, and cross-currency transactions are not priced the same as domestic ones. It also accepts 6 different payment methods, and card, transfer and wallet rails each carry their own cost.
- Where to check the figure
- Paystack publishes current rates on their pricing page (opens in new tab). That is the authority, not this page. We deliberately quote no numbers here, because a rate that has quietly changed is worse than no rate at all.
How PaymentHood works with Paystack
A direct Paystack integration is not just an API call. These are the parts every team ends up rebuilding — and the parts PaymentHood ships already done.
- Credentials
- Secret key, held server-side in PaymentHood — never exposed to the storefront
- Webhook security
- HMAC SHA512 signature on the x-paystack-signature header, verified before any order is marked paid
- Payment verification
- Server-side transaction re-verification against the Paystack API before fulfilment
- Idempotent charge creation, so a retried request never double-charges a customer
- Automatic failover to another configured provider when Paystack is unreachable
- One reconciliation view across Paystack and every other provider you run
- Provider credentials never reach the storefront or the customer's browser
- Adding or switching a provider later is a dashboard change, not a re-integration
Paystack integrations by platform
Install the free PaymentHood plugin for your store, then enable Paystack in your dashboard.
How to connect Paystack
Open your Paystack account
Register directly with Paystack and complete their onboarding. Funds settle from Paystack into your own bank account — PaymentHood never holds merchant money.
Add the credentials to PaymentHood
Paste your Paystack API credentials into the PaymentHood dashboard. They are stored server-side and never exposed to your storefront.
Enable it at checkout
Install the PaymentHood plugin for your platform, paste your PaymentHood API key, and Paystack appears as a payment option. Test in sandbox, then switch to live.