Compare Paystack, Flutterwave, Peach Payments, DPO Pay, Pesapal, and more. Find the cheapest gateway for your transaction volume and country.
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Payment Gateway Fee Comparator
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Rates shown are approximate standard published rates. Enterprise rates are typically lower at high volumes (>$50K/month). Always check the latest pricing on provider websites as rates change frequently.
Frequently Asked Questions
Which payment gateway is best for Nigeria?
Paystack (acquired by Stripe) and Flutterwave are the most widely used in Nigeria. Paystack charges 1.5% + ₦100 (capped at ₦2,000) for local cards. Flutterwave charges similar rates. For high volumes, negotiate enterprise rates. Interswitch (Quickteller) is also popular for USSD and card payments targeting mass market.
Which gateway is best for East Africa?
For Kenya, Pesapal and DPO Pay cover M-Pesa well. Flutterwave has expanded M-Pesa integration. Cellulant (Tingg) is strong across East Africa for mobile money. For Tanzania, Selcom and Azam Pay are popular. Pesapal covers Uganda, Rwanda, Tanzania, and Kenya with a single integration.
What is MDR (Merchant Discount Rate)?
MDR is the fee the payment gateway or acquirer charges the merchant for processing card transactions. It's expressed as a % of the transaction value, often plus a flat fee. For example, 1.5% + ₦100 means on a ₦10,000 transaction the merchant pays ₦150 + ₦100 = ₦250. The MDR covers interchange fees paid to the card-issuing bank, scheme fees (Visa/Mastercard), and the acquirer's margin.