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Head-to-Head Specification Audit
Paystack vs Railway
Nigerian & African Businesses · Nigeria
Specification Matrix
| Metric | Paystack | Railway |
|---|---|---|
| Starting Price | CustomBetter | $5/mo |
| 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 |
| Native Integrations | 5 listed | 6 listedBetter |
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
Railway — Key Specs
- ✓Zero-config deployment: push any Dockerfile or Nixpacks-compatible repo and it runs
- ✓Managed PostgreSQL, Redis, and MySQL with automatic backups included
- ✓Private networking between services on the same project at no extra cost
- ✓$5/mo Hobby plan includes $5 of compute credit — most small apps run free
Frequently Asked Questions
What is cheaper, Paystack or Railway?+
Paystack starts at $0/mo, which is lower than Railway at $5/mo.
Which tool is better for compliance — Paystack or Railway?+
Paystack additionally supports NDPA, CBN Licensed, PCI-DSS. Railway 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. Railway has hosting regions: US-East, EU-West. For data residency in Nigeria, check each vendor's data processing agreements.
Data last verified: 25 June 2026
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