02G PAYSTACK · NG · GH · FEES

Paystack fees, plainly.

Q: What are Paystack's current fees in Nigeria?

Published rates: 1.5% local cards (capped), 3.9% international cards, 1.5% bank transfer, 1.5% USSD. Verify on their pricing page.

Q: Does Paystack work in Ghana?

Yes — Paystack serves Ghana alongside Nigeria. Similar structure: 1.5% local, 3.9% international. Check Ghana pricing for caps.

Q: Should I ask US clients to pay via Paystack?

No — international cards cost 3.9% uncapped. US businesses pay by ACH/wire; give USD bank instructions for 0.90-2.00% all-in.

Paystack is the default card processor for Nigerian and Ghanaian digital merchants. Published rates: 1.5% on local cards (capped), 3.9% on international cards. The question for freelancers is not the rate — it is whether you need card checkout at all.

Paystack published rates.

Local cards (NG)1.5%, capped per transaction

1.5% (capped)

International cardsuncapped percentage

3.9%

Bank transfer collectionNG — published transfer rate

1.5% band

USSD collectionNG

1.5% band

USD invoice via Wise (comparison)ACH receiving, no processor

0.90-1.5%

Fiverr route (for scale)marketplace + payout legs

22-28%

The 3.9% international card rate is the one that surprises freelancers. A US client paying a $500 invoice by international card costs $19.50 in processor fees — versus $4.50-7.50 on the same invoice via Wise ACH. If your client will pay by transfer (they usually will, if you give instructions), give them transfer instructions. Cards are for checkout, not invoices. Invoice template with ACH block.

Paystack for products, rails for services.

Paystack solves a real problem: one-click card checkout for NG/GH customers. If you sell a course, a template or a membership to a local audience, 1.5% local (capped) is a fair price for the conversion lift. The published international rate (3.9%) matters when your buyer is offshore — and it is exactly the case where a USD bank rail is cheaper.

For US-client service invoices, skip the processor. The invoice math: $500 by international card = $19.50 fee. $500 by Wise ACH = $4.50-7.50 all-in. $500 by Paystack local rail is irrelevant — the payer is not local. The Kit's invoice template ships the ACH instruction block so the client's AP pays like a domestic bill.

If you already run Paystack for products, keep it — do not conflate the two funnels. Product checkout (Paystack, 1.5%/3.9%) and service invoicing (USD rails, 0.90-2.00%) are separate ledgers with separate rates. The calculator models the service side; the Paystack side is on their pricing page.

Two funnels, two rates.

Products get Paystack. Services get USD rails. The Kit covers both — the Rails Pack for invoices, the full Kit for the off-platform system that makes the invoice necessary.

Run the free calculator Get the Kit — $19 Card · MoMo · 14-day refund

Questions.

What are Paystack's current fees in Nigeria?

Published rates: 1.5% on local cards (capped per transaction), 3.9% on international cards, 1.5% on bank transfer collections, 1.5% on USSD. Verify on Paystack's pricing page — caps and rails change.

Does Paystack work in Ghana?

Yes — Paystack serves Ghanaian merchants alongside Nigeria. Local rate structure is similar (1.5% local cards, 3.9% international). Check their Ghana pricing page for currency-specific caps.

Should I ask US clients to pay via Paystack?

No — international card payments cost 3.9% uncapped, and US businesses pay freelancers by ACH/wire, not card checkout. Give USD bank instructions (Wise/Grey virtual account) for 0.90-2.00% all-in.

Is Paystack cheaper than Stripe for African merchants?

For NG/GH local collection, Paystack is the available option (Stripe does not onboard NG/GH accounts). Stripe's US 2.9% + $0.30 is irrelevant if you cannot open an account. Compare Paystack against bank rails, not against unavailable processors.