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Akileon Africa

Akileon Africa

Free fee calculators for African freelancers, sellers, and entrepreneurs.

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Paystack Fee Calculator

Calculate Paystack transaction fees for Nigerian businesses. Free for merchants and developers.

Enter Transaction Details

Your Results

Enter your transaction amount and select a payment channel to see your Paystack fees.

Frequently Asked Questions

Paystack charges 0.5% + ₦20 for local NGN transactions. Additionally, a 7.5% VAT is applied on the total fee. For a ₦10,000 transaction, the total fee is approximately ₦75.25 (₦50 percentage fee + ₦20 fixed fee + ₦5.25 VAT).
Paystack charges 1% + ₦100 for international transactions and 1.5% + ₦100 for international card transactions. VAT at 7.5% is applied on top of these fees. International transactions also incur additional currency conversion costs from the customer's bank.
Yes, Paystack applies Nigerian VAT at 7.5% on the total transaction fee (percentage fee + fixed fee). This is standard for all Nigerian payment processors. The VAT is included in the total fee shown to the merchant.
Paystack (0.5% + ₦20) is cheaper than Flutterwave (1.4% + ₦0) for local NGN transactions. However, Flutterwave offers better international rates in some cases. Paystack also offers a more developer-friendly API and better documentation, while Flutterwave has broader African coverage.
Paystack settles local NGN transactions on a T+1 basis (next business day). International transactions settle on T+2. Settlement is made directly to the merchant's Nigerian bank account. Paystack also offers instant settlement for an additional fee.

Understanding Paystack Fees for Nigerian Businesses

Paystack is Nigeria's leading payment gateway, processing billions of Naira in transactions every month. Acquired by Stripe in 2020, Paystack offers a robust payment infrastructure for Nigerian businesses of all sizes. Understanding Paystack's fee structure is essential for pricing your products and managing your payment costs.

Paystack Fee Breakdown

  • Local NGN (0.5% + ₦20): For transactions where both the customer and merchant are in Nigeria and the payment is in Naira. This is the most common transaction type.
  • International (1% + ₦100): For cross-border transactions where the customer uses a non-Nigerian card but the settlement is in Naira.
  • International Card (1.5% + ₦100): For transactions where the customer uses an international card and the settlement is in a foreign currency.
  • VAT (7.5%): Nigerian Value Added Tax applied on the total transaction fee.

Why Nigerian Businesses Choose Paystack

  • Competitive local transaction fees (0.5% + ₦20)
  • Developer-friendly API with excellent documentation
  • Support for multiple payment methods including cards, USSD, bank transfer, and QR
  • T+1 settlement for local transactions
  • Backed by Stripe's global infrastructure

Related Calculators

Flutterwave Fee CalculatorStripe Fee CalculatorPayPal Fee CalculatorVAT CalculatorAll Calculators →

Fee rates last reviewed: July 2026

Disclaimer: Calculations are estimates based on published Paystack fee schedules. Actual fees may vary depending on transaction type, volume, and account status. Always verify with Paystack directly before making financial decisions.

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