Software Alternatives, Accelerators & Startups

Authorize.net VS Paystack

Compare Authorize.net VS Paystack and see what are their differences

Authorize.net logo Authorize.net

Payment gateway enables internet merchants to accept online payments via credit card and e-check.

Paystack logo Paystack

Paystack offers payment solutions for Nigerian businesses.
  • Authorize.net Landing page
    Landing page //
    2022-10-26
  • Paystack Landing page
    Landing page //
    2022-12-22

Authorize.net features and specs

  • Wide Acceptance and Trust
    Authorize.net is one of the most established payment gateways on the market, leading to high trust and wide acceptance among merchants and customers alike.
  • Comprehensive Support
    They offer 24/7 customer support through phone, chat, and email, ensuring that your business can receive assistance at any time.
  • Versatility
    The platform supports a wide range of payment methods, including credit cards, eChecks, and digital payments like Apple Pay and PayPal.
  • Security
    Authorize.net provides advanced fraud detection and security features, such as AVS (Address Verification Service), CVV2, and IP filtering.
  • Developer Tools
    They offer robust APIs and an extensive range of developer tools to facilitate custom integrations and application development.
  • Recurring Billing
    Authorize.net supports recurring billing, making it easier for businesses offering subscription services to manage payments.

Possible disadvantages of Authorize.net

  • Cost
    Authorize.net charges a monthly gateway fee, per-transaction fee, and a daily batch fee, which can add up, especially for smaller businesses.
  • Complex Setup
    Setting up Authorize.net can be complicated for non-technical users, requiring some level of technical expertise to configure properly.
  • Limited International Support
    Authorize.net's international support is limited, making it less ideal for businesses looking to operate in multiple countries.
  • Account Approval Process
    The approval process for setting up an Authorize.net account can be lengthy and requires thorough documentation, which could be a drawback for businesses needing a quick setup.
  • Interface Usability
    Some users find the user interface to be outdated and less intuitive compared to newer payment gateways.

Paystack features and specs

  • Ease of Integration
    Paystack offers a smooth and easy integration process with its well-documented APIs, plugins, and libraries suitable for various platforms and programming languages.
  • Multiple Payment Methods
    The platform supports a wide range of payment methods including cards, bank transfers, USSD, QR codes, and mobile money, making it versatile for different customer preferences.
  • Security
    Paystack employs robust security measures such as PCI DSS Level 1 Compliance, data encryption, and fraud detection mechanisms to ensure secure transactions.
  • User-friendly Dashboard
    The dashboard is intuitive and allows users to easily monitor transactions, manage customers, access detailed analytics, and perform various financial operations.
  • Scalability
    Paystack is built to scale with businesses, offering features like recurring billing and invoicing that cater to both small-scale businesses and large enterprises.
  • Customer Support
    Paystack provides responsive customer support through various channels including email, live chat, and a comprehensive help center.
  • Regional Focus
    Paystack has a strong focus on the African market, particularly Nigeria and Ghana, meaning it is well-tailored to handle the unique challenges and opportunities in these regions.

Possible disadvantages of Paystack

  • Geographical Limitations
    Currently, Paystack primarily operates in Nigeria and Ghana, limiting access for businesses and customers outside these regions.
  • Transaction Fees
    Paystack charges transaction fees which can add up for businesses processing a high volume of payments. These fees could be a disadvantage for small businesses operating on thin margins.
  • Limited International Support
    While Paystack supports international payments, its focus and optimized functionalities are more centered on the African market, which may not be ideal for businesses targeting global customers.
  • Currency Restrictions
    The platform natively supports only a few currencies. Businesses dealing with multiple currencies may need to manually manage conversions or seek additional financial services.
  • Potential Downtimes
    Like any online service, Paystack can experience downtimes or service interruptions, which could disrupt business operations and affect customer trust if not promptly resolved.

Authorize.net videos

PayPal VS Stripe VS Authorize.net?

More videos:

  • Review - Authorize.Net: The Good, The Bad and The Ugly
  • Review - Authorize.net Review Video

Paystack videos

How Aella Uses Paystack to Power Fully Digital Lending

More videos:

  • Review - How BuyPower Uses Paystack to Power Electricity Payments Across Nigeria

Category Popularity

0-100% (relative to Authorize.net and Paystack)
Online Payments
55 55%
45% 45
Payment Platform
65 65%
35% 35
Recurring Billing
100 100%
0% 0
Finance
0 0%
100% 100

User comments

Share your experience with using Authorize.net and Paystack. For example, how are they different and which one is better?
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Social recommendations and mentions

Based on our record, Authorize.net should be more popular than Paystack. It has been mentiond 100 times since March 2021. We are tracking product recommendations and mentions on various public social media platforms and blogs. They can help you identify which product is more popular and what people think of it.

Authorize.net mentions (100)

  • Authorize.net Plugin Magento2
    I think magento use to come standard with a plugin for authorize.net, but either way I need the official plugin (if one is still maintained) to connect magento2 to authorize.net for payments. Source: over 1 year ago
  • Html, JSON, and Filemaker
    I have a form which can accept payments. The form is hosted by jotform which puts the payment information (collected by an authorize.net widget) into JSON and sends it into my database. Source: almost 2 years ago
  • Tired of Stripe and willing to do ACH
    Your local bank likely offers them and they can eb tied to authorize.net, or NMI perhaps. They should be able to help you through that entire process depending on how the accounts get onboarded. Askl your local coffee shop and etc where they get the credit card processing from. Source: almost 2 years ago
  • What are the recommended online payment gateway integrations?
    Authorize.net as a gateway for example charges about $15/month by it self before any merchant account is linked. Paytrace is a little cheaper and does not have some extra fees authorize.net has. Source: almost 2 years ago
  • authorize.net API response code brainstorm
    Does anyone have any experience with authorize.net API return codes? Source: almost 2 years ago
View more

Paystack mentions (11)

  • Top 10 Developer-First Payment Processors in West Africa
    Paystack is one of the most developer-friendly payment platforms in Africa, with a clean API and great documentation. It supports various payment methods, including cards, mobile money, and bank transfers. The sandbox mode is easy to test, and their webhook system is well-structured, making it simple to handle real-time transaction updates. - Source: dev.to / 3 months ago
  • Laravel Cashier for Paystack
    A package to easily integrate your Laravel application with Paystack (https://paystack.com). It takes the pain out of setting up a checkout experience. Easily set up payments for your products or let your customers subscribe to your product plans. Handle grace periods, offer free trials and so on. - Source: Hacker News / 9 months ago
  • Implementing Paystack Payment in a React Application: A Step-by-Step Guide
    Paystack Account: Create an account on Paystack and obtain your API keys. These keys are essential for authenticating your requests with the Paystack API. - Source: dev.to / over 1 year ago
  • Handling Paystack transactions using webhooks
    Paystack is a popular payment processing platform used by businesses and individuals in Nigeria and other African countries. One of the key features of Paystack is its ability to process transactions using webhooks. Webhooks are HTTP callbacks that enable the automatic transfer of transaction data from Paystack to your application in real-time. Webhooks are useful for a variety of reasons. They can automate tasks... - Source: dev.to / about 2 years ago
  • Integrate Paystack Payment Gateway using Spring Boot
    Instead of creating test cases or managing exceptions, we will concentrate mostly on using the Paystack API to collect payments. Simply create an account on the Paystack website. - Source: dev.to / about 2 years ago
View more

What are some alternatives?

When comparing Authorize.net and Paystack, you can also consider the following products

PayPal - PayPal is the faster, safer way to pay online without sharing financial details, send and receive money or accept credit and debit cards as a seller

PayPal Braintree - An all-in-one solution to accept, process, and split payments in your mobile app or online - from small business to large enterprise.

Stripe - Online payment processing for internet businesses. Stripe is a suite of payment APIs that powers commerce for online businesses of all sizes. Use Stripe’s payment platform to accept and process payments online for easy-to-use commerce solutions.

Alipay - Alipay.com is a third-party online payment platform with no transaction fees.

Amazon Pay - Amazon Pay is an online payment service that makes checkout on your site fast and secure for hundreds of millions of Amazon customers around the world.

Payoneer - Whether making international payments, receiving funds, managing your digital business, or accessing capital, Payoneer opens your business up to the world.