International card
+1.5%3% + $0.30
$100 → $96.70
Card issued outside your country, payout in your local currency.
Payment Processors
Paystack Fee Calculator
Everything about Paystack fees — what Paystack really costs on every sale.
Pay-as-you-go gateway WooCommerce Since 2015 Lagos, Nigeria
★ 5.0 · 3 reviews
What Is Paystack, and Who Is It For?
Paystack dominates African payments with excellent local method coverage and competitive domestic rates. Its acquisition by Stripe gives it technical backing, but the non-MoR model and lack of EDD integration limit its scope for digital product sellers outside Africa.
Best for
African businesses accepting local and international payments.
Used by
African e-commerce Fintech Marketplaces in Africa D2C brands
Highlights
- Mobile money
- African market focus
- Bank transfers
Paystack at a Glance
- Pricing model
- Pay-as-you-go gateway
- Domestic fee
- 1.5% + $0.20
- International card fee
- 3% + $0.30
- Currency conversion
- +2%
- Monthly cost
- Free — no monthly fee
- Tax handling
- You handle (or buy add-on)
- Chargebacks
- You handle, $15 dispute fee
Paystack Fee Calculator: What Does a Sale Actually Cost?
This Paystack fee calculator shows where a sale ends up — drag the slider or type your own amount to see it in real time. Prices are list rates; large merchants can negotiate.
Paystack Fee Calculator: Any Sale, Broken Down
Live scenario
US card · USD payoutYou receive
$98.30
$1 Drag or type your amount $1,000+
You keep · 98.3% Paystack fee · 1.7%
Fee breakdown
- Card processing 1.5% × $100
- −$1.50
- Fixed fee per transaction
- −$0.20
- Total fee
- −$1.70
- You receive
- +$98.30
Currency conversion
+2%+2%
$100 → $94.70
Stacked on international when you charge and pay out in different currencies.
Refund · chargeback
Worst case−$18.20
$100 lost + $15 fee
Lost dispute: you forfeit the $100, the $3.20 processing fee, and a $15 dispute fee.
The fine print headline rates don't show
- Sales tax / VAT — your responsibility, or +0.5% via Stripe Tax.
- Chargebacks — $15 per dispute, original fee not refunded.
- Refunds — the processing fee is not returned to the merchant.
- Marketplaces — Stripe Connect adds 0.25% + $2 per active connected account, monthly.
What we like
- Excellent African market coverage (Nigeria, Ghana, Kenya)
- Low domestic fees (1.5% for Nigerian transactions)
- Mobile money and bank transfer support
- Strong local support and documentation
- Acquired by Stripe in 2020 — backed by Stripe infrastructure
Where it falls short
- International fees (3% + 2% conversion) are high
- Tax handling is merchant's responsibility
- No EDD integration
- Limited relevance outside Africa
- Chargeback support is limited
How Does Paystack Work with WordPress?
Paystack for WooCommerce (official)
View pluginWooCommerce
✓ Compatible
Easy Digital Downloads
✗ Not compatible
If tax + chargebacks worry you
Consider Paddle as a Merchant-of-Record Alternative
Paddle handles VAT, sales tax, and chargebacks globally — and connects to WooCommerce and Easy Digital Downloads through WP Smart Pay's official integrations.
