Paystack - Payment Gateway Integration Plugin

Paystack is a modern, developer-friendly payment gateway designed to facilitate seamless and secure online transactions. It offers a fast and reliable infrastructure for processing one-time payments, making it ideal for businesses looking to accept payments with minimal friction. With a strong presence in Africa and growing international support, Paystack provides a robust suite of tools for merchants to manage payments, prevent fraud, and enhance customer experience.

Paystack – Fast, Secure, and African-Focused

Description and Features

This plugin integrates Paystack into the Osclass Pay Plugin (v4.1 or higher), enabling Osclass-based classifieds websites to accept payments through one of Africa’s most trusted gateways. It is suitable for startups, small to medium businesses, and even enterprise-level platforms operating in supported regions.

• Seamless integration with Osclass Pay Plugin for one-time payments
• Real-time transaction processing with high reliability
• PCI-DSS compliant infrastructure ensuring secure card handling
• Built-in fraud detection and prevention mechanisms
• Dispute resolution support for chargebacks and transaction issues
• Mobile-optimized checkout for better user experience on smartphones
• Developer-friendly API for custom implementations
• Transparent and competitive pricing
• Instant payment notifications (IPN) for real-time updates
• Detailed transaction analytics and reporting dashboard
• Multi-channel support including web and mobile
• Localized payment experience for African markets
• Fast onboarding and easy KYC process
• Supports multiple business models including e-commerce, classifieds, and digital services
• No recurring billing, only one-time payments supported
• Supports split payments for marketplaces and multi-vendor platforms

Supported Payment Methods

Paystack supports a wide range of payment methods, making it versatile for different customer preferences:

• Card Payments: Visa, Mastercard, Verve
• Bank Transfers: Direct bank payments from supported banks
• USSD Payments: Available for Nigerian banks
• Mobile Money: MTN, Airtel, Vodafone (Ghana)
• QR Code Payments: Scan-to-pay options for mobile users
• Apple Pay: Available for iOS users in supported regions
• POS Payments: For in-person transactions via Paystack terminals

Pricing and Fees

Paystack offers transparent pricing with no hidden charges:

• Local Transactions: 1.5% + ₦100 (capped at ₦2,000)
• International Transactions: 3.9% + ₦100
• ₦100 fee waived for transactions under ₦2,500
• No setup fees or monthly charges

Always verify current pricing on the official Paystack website as fees may vary by region or currency.

Currencies

Paystack supports several currencies, primarily focused on African markets:

• NGN, GHS, ZAR, USD, XOF, KES

Please verify currency compatibility on the official Paystack website for the most up-to-date list.

Regions and Countries

Paystack operates in several key regions with a focus on Africa, but also supports international payments:

• Africa: Nigeria, Ghana, South Africa, Kenya, Côte d’Ivoire
• Europe: United Kingdom, France, Germany (for international card payments)
• North America: United States (for international card payments)
• Asia: India, UAE (limited to international card payments)
• Worldwide: Accepts international cards from most countries

For the most accurate and updated list of supported countries, please verify on the Paystack website.

High Risk Payments and Adults Content

Paystack does not support high-risk businesses or adult content platforms. Businesses involved in gambling, pornography, or other restricted industries are not eligible to use Paystack. It is recommended to consult Paystack’s Acceptable Use Policy before onboarding if your business falls into a sensitive category.

References

• Homepage: https://paystack.com
• Dashboard (Production & Sandbox): https://dashboard.paystack.com
• Documentation: https://paystack.com/docs

Paystack is a powerful and reliable payment gateway tailored for African markets with growing international capabilities. Its ease of integration, strong fraud protection, and wide range of supported payment methods make it an excellent choice for Osclass users. Whether you're running a small classifieds site or scaling a larger platform, Paystack offers the tools and performance to support your growth.