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Head-to-Head Specification Audit
Luno vs Paddle
Businesses Accepting Crypto Payments · South Africa
Specification Matrix
| Metric | Luno | Paddle |
|---|---|---|
| Starting Price | CustomBetter | Custom |
| API Rate Limit | 100 req/min | N/A |
| Target Country | South Africa | Global |
| Category | Cryptocurrency Exchange | Payment Processing API |
| Compliance | FSCA, FICA, POPIA | GDPR, CCPA, PCI-DSS, SOC2 |
| Hosting Regions | ZA, EU | US, EU |
| Native Integrations | 2 listed | 6 listedBetter |
Luno — Key Specs
- ✓FSCA-registered in South Africa
- ✓ZAR on/off ramp
- ✓API for business accounts
- ✓Supports BTC ETH XRP USDC
- ✓Trusted by 10M+ users in SA
Paddle — Key Specs
- ✓Merchant of Record — Paddle handles VAT, GST, and sales tax in 200+ countries
- ✓Subscription billing with trials, proration, and pausing built-in — no Stripe Tax add-on
- ✓Available for ZA-registered businesses — no US entity required unlike Stripe
- ✓Built-in churn recovery: failed payment retry logic with smart dunning sequences
Frequently Asked Questions
What is cheaper, Luno or Paddle?+
Both tools start at $0/mo on their entry plans.
Which tool is better for compliance — Luno or Paddle?+
Luno additionally supports FSCA, FICA, POPIA. Paddle additionally supports GDPR, CCPA, PCI-DSS, SOC2.
Is Luno or Paddle compliant with South Africa's POPIA?+
Luno supports POPIA compliance. Paddle does not list POPIA as a supported framework.
Which tool is better suited for South Africa?+
Luno is evaluated for Businesses Accepting Crypto Payments in South Africa with hosting regions: ZA, EU. Paddle has hosting regions: US, EU. For data residency in South Africa, check each vendor's data processing agreements.
Data last verified: 25 June 2026
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