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Head-to-Head Specification Audit
Paystack vs Fly.io
Nigerian & African Businesses · Nigeria
Specification Matrix
| Metric | Paystack | Fly.io |
|---|---|---|
| Starting Price | CustomBetter | Custom |
| API Rate Limit | 300 req/min | N/A |
| Target Country | Nigeria | Global |
| Category | Payment Processing | Cloud Hosting & Edge |
| Compliance | NDPA, CBN Licensed, PCI-DSS | SOC2, GDPR |
| Hosting Regions | NG-Lagos, GH-Accra, ZA-Johannesburg | US-East, EU-West, AP-Southeast, AF-South-ZA |
| Native Integrations | 5 listedBetter | 5 listed |
Paystack — Key Specs
- ✓Acquired by Stripe — the most trusted payment API in Africa
- ✓Supports Nigerian bank transfers, USSD, Visa/Mastercard, and mobile money
- ✓Instant settlement to Nigerian bank accounts
- ✓Now available in Ghana, South Africa, Kenya, Ivory Coast
Fly.io — Key Specs
- ✓Deploy Docker containers to 30+ global regions — closest to ZA is Johannesburg (jnb)
- ✓Machines API launches VMs in under 300ms — ideal for per-request compute isolation
- ✓Fly Volumes provide persistent SSDs for stateful apps like databases and file stores
- ✓Free allowance covers 3 shared-CPU VMs and 3GB of persistent storage permanently
Frequently Asked Questions
What is cheaper, Paystack or Fly.io?+
Both tools start at $0/mo on their entry plans.
Which tool is better for compliance — Paystack or Fly.io?+
Paystack additionally supports NDPA, CBN Licensed, PCI-DSS. Fly.io additionally supports SOC2, GDPR.
Which tool is better suited for Nigeria?+
Paystack is evaluated for Nigerian & African Businesses in Nigeria with hosting regions: NG-Lagos, GH-Accra, ZA-Johannesburg. Fly.io has hosting regions: US-East, EU-West, AP-Southeast, AF-South-ZA. For data residency in Nigeria, check each vendor's data processing agreements.
Data last verified: 25 June 2026
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