Wajub vs Paystack

Paystack collects your payments and pays you out, in four countries and in beta in two more. Wajub picks, for each payment, between your Paystack account and your other providers.

In short

Paystack is a payment service provider (PSP): it collects your payments by card, mobile money or transfer, deducts its fees, then pays the rest into your settlement account, automatically. It serves businesses registered in Nigeria, Ghana, Kenya and South Africa, with a private beta in Côte d'Ivoire and Egypt. Stripe announced its acquisition in October 2020.⁸

Wajub is an orchestration layer: it does not collect or hold funds. You connect your own accounts, Paystack included, and Wajub picks the route for each payment. If Paystack is unreachable during a mobile money payment, the payment goes through another connection, with nothing to redo on your side.

Point by point

What it is

Payment orchestration layer: one API, several providers behind it. Not a payment institution.

Payment service provider: it collects for you.¹

Who collects the funds

Your providers, on your own accounts, who pay you out under your contract. Wajub does not hold funds.

Paystack, which deducts its fees and pays the rest into your settlement account, automatically, on its schedule.²⁴

Countries in Africa

23 countries, channel by channel, depending on the connections you enable.

Businesses registered in Nigeria, Ghana, Kenya and South Africa; private beta in Côte d'Ivoire and Egypt.¹

Mobile money

68 local payment channels, mostly mobile money, including MTN MoMo, Orange Money, Wave, M-Pesa, Airtel Money and Moov Money.

Ghana (MTN, AirtelTigo, Telecel), Kenya (M-Pesa, Airtel Money) and Côte d'Ivoire (Wave, Orange, MTN). No recurring payments over mobile money.³

Cards

Through the card provider you connect: Stripe, PayPal, Flutterwave, Paystack, CinetPay, FedaPay, or KkiaPay. Card numbers never reach Wajub.

Yes, local and international.²

Payouts

In Cameroon, on the Wajub rail: MTN MoMo, Orange Money and Express Union. Elsewhere, case by case: the team confirms which are available for your account.

Yes, Transfers, for registered businesses only. For example GHS 1 to a mobile money wallet in Ghana, KES 20 to 60 through M-Pesa in Kenya.⁵⁶

Providers behind one integration

Several: 2 on Pay as you go, 6 on Growth, unlimited on Scale.

One: Paystack.

If the gateway goes down

A mobile money payment that fails moves automatically to the next connection, with nothing to redo on your side. A connection that fails repeatedly is set aside, then takes its place back as soon as it works again. Card payments are the exception: they stay with the provider the card was entered with.

The payment depends on Paystack alone. A backup through another provider takes a second contract and your own switching code.

Contract to sign

Your contract with each connected provider. In Cameroon, the Wajub rail collects MTN MoMo and Orange Money with no provider contract.

A Paystack account: "Starter" without registration, with a collection limit, or "Registered" for a registered business.⁶

Pricing

Subscription from 0 to FCFA 29,900 a month, then usage beyond the included volume. Your providers' fees come on top, under your contracts.

Per payment, depending on the country: 1.95% for mobile money in Ghana and Côte d'Ivoire, 1.5% through M-Pesa in Kenya, 1.5% + NGN 100 in Nigeria, capped at NGN 2,000.²

Test mode

Free sandbox, no time limit. Routing between connections runs in production.

Yes: test mode and live mode in the Dashboard.⁷

Information about Paystack collected from its official pages. "Not published": missing from those pages. Something inaccurate? Write to hello@wajub.com and we will fix it. Paystack is a trademark of its owner. Wajub is neither affiliated with nor endorsed by Paystack.

Paystack alone or with Wajub, country by country

On 7 of the 14 payment methods you accept with Paystack, Wajub can switch to another connection when Paystack is unreachable.

Country

MTN MoMo

7 backup routes

FedaPay
InTouch
KkiaPay
pawaPay
CinetPay
Flutterwave
MTN MoMo API

Paystack

No backup route

Orange Money

6 backup routes

InTouch
KkiaPay
pawaPay
CinetPay
Flutterwave
Orange Money API

Paystack

No backup route

Wave

3 backup routes

InTouch
CinetPay
Wave Business API

Paystack

No backup route

Using Wajub alongside Paystack

Integrate the Wajub API: one call creates the payment, your customer pays on the checkout, a webhook confirms the outcome.
In the Dashboard, connect your Paystack account with your API keys. Your Paystack contract and rates stay the same.
Add a second connection on your main mobile money channels, for example Flutterwave or pawaPay: if Paystack is unreachable during a mobile money payment, Wajub switches to it.

Choose Paystack if

Your business is registered in Nigeria, Ghana, Kenya or South Africa, and one provider is enough.
You are starting without a company: Paystack's "Starter" account collects up to a limit, before registration.
You want a provider that collects, holds the funds and pays you out, with subscriptions, invoicing and split payments in one place.

Choose Wajub if

You also sell outside Paystack's countries, in Cameroon or Senegal for example: Wajub goes through other providers there, with the same integration.
You already collect with Paystack and don't want to lose a sale if that connection becomes unreachable: add a backup route on the same channels, without changing contracts.
You want to add or change providers without touching your code.

Give your payments a backup route.

Create a free account, validate the integration in the sandbox, then connect your providers.

Create a free account Read the docs