Paystack Getway: Sign Up for Paystack Payment Integration Account

PayPal, Stripe, and the rest of the top Payment gateways players are most common to many business personals, which are possibly restricting users from some part of the country of important features (that’s the reason Paystack Payment Integration account becomes the best alternative).

For example, PayPal and Stripe are not widely used around the world because it is either they (their services) don’t function in the country or the features they offer limited.

If you are in Africa especially, Paystack will be the best solution to your business.

Paystack is a fast-growing payment platform helping businesses in Africa get paid by anyone and from anywhere in the world. That means it doesn’t matter the nature of the business or the currency – Paystack has got you covered.

Paystack provides to her customers’ several channels to adopt or can be integrated for payment (we have explained that below), therefore, you shouldn’t have any reason for not building your businesses and your customers shouldn’t have any reason either for not paying you.

For instance, if you run an eCommerce marketplace with the most popular platforms (WooCommerce or Shopify) if becomes swiftly to receive payment instead of using PayPal that won’t allow you to transfer your hard-earned money into your Bank account or Stripe that doesn’t allow some countries like Nigeria, Ghana, South African, etc.

This page has covered a complete step by step on how to sign up for a Paystack payment integration account for any businesses to start receiving payment via credit card, debit card, money transfer, and mobile money. Later on this page, you’ll see how Paystack works, but let’s talk about the charge rate.

Paystack Payment Charge Rates

When it comes to charges, Paystack isn’t the best but far better than other local payment gateways like Flutterwave in terms of services and some part of the charge rate.

Now, understand this; your transaction will defiantly go in TWO ways.

  1. Providing services or selling which you will be paid for. This could be either local or international services – there are separate charges on each.
  2. Transferring your earned (accumulated) money to your account.

So in either ways – Paystack has its charges.

Charge Rate for Providing Services or Selling Locally and Internationally


For Local TransactionsFor International Transactions
1.95% + GHS 01.95% + GHS 0
  • No upfront fees. You can start accepting payments in 30mins for free.
  • Accept payments from multiple payment channels including Mobile money.
  • International cards are charged and settled in Cedis by default.


For Local TransactionsFor International Transactions
1.5% + NGN 1003.9% + NGN 100
₦100 fee waived for transactions under ₦2500International cards are charged and settled in Naira by default, but you can also choose to get settled in USD.
Local transactions fees are capped at ₦2000, meaning that’s the absolute maximum you’ll ever pay in fees per

South African:

For Local TransactionsFor International Transactions
2.9% + ZAR 12.9% + ZAR 1
ZAR 1 fee waived for transactions less than ZAR 10International transactions are charged and settled in Rand by default
  • All Paystack’s fees are VAT inclusive.
  • No upfront or monthly fees.
  • All payouts are free.

Requirements for Creating and Using Paystack Payment Integration Account

To Sign up for Paystack Payment Integration service you need to first ensure that your country is allowed to do so.

Afterwards, just like other online registration platforms, the data needed are;
– Business name
– Full name
– Email address (learn how to create a free email address here or you may want other email services CHECK HERE )
– Phone number and your password

Then an option to select if you’re a software developer or not. Your choice won’t affect, change or limit any Paystack features.

Now, let’s go to the registration process.

How to Create Paystack Payment Integration Account

  1. Go to Paystack official website – Already the website will automatically detect your country
  2. Click on the ‘Create a free account button
  3. Fill out your detail correctly.
    On getting to ‘Password’ Your password must contain at least;
  • one lowercase letter
  • one uppercase letter
  • one special character
  • one number
  • minimum of 8 character
  1. Indicate if you you are a software developer or not. After that, click on ‘Create My Account’

Email verification:

  1. Paystack will send a notification to your email you submitted. Log in to your email and
Paystack Getway: Sign Up for Paystack Payment Integration Account 1
  1. Click on the button (Verify email address) or link in your email. You’ll then be redirected to the Paystack login page – you should also see a green notification message (at the top of the page) acknowledging that your email address is successfully verified.
  2. Now you can re-log into your new Paystack account.

You will be redirected to your Paystack dashboard. Your Paystack will be in ‘test mode’ because you still have more information to submit to activate your account for ‘live payment‘.

You should also see the same notification when you first log in to the Paystack dashboard. Click on the ‘Got it’ to start filling the form.

paystack login dashboard image

Completing Registration Process to make account go Live:

  1. There are FOUR stages and types of data you will be submitting now.
    – Profile Data
    – Contact
    – Account
    – Document

    Profile: This has to do with the submission of your full name and registered business. Other data to also submit here includes the number of your staff, category of your business,

    Contact: here you’ll provide more detailed information on how your customer can always reach out to your company. There is an option to use (by checking the boxes) the general email address (which is the email used to sign up Paystack) for support and disputes. Then the next part of the page is your company’s Registered Address; you’ll provide your country, state, city, and street address, and possibly Apartment or House address. Uncheck the box ‘Use registered address’ to fill out your office address if the address is different from your business registered address.

    Account: Here you will be providing your business Bank account detail, which includes bank name, account number and name on the account. The account provider allows you to find your bank name. Please note that at this point, you can input a personal bank account if you haven’t opened a business bank account. Learn how to open a company bank account here.

    Documents: Here is the final stage to unlock your account from the ‘Test Mode”. Because your business is registered, you will be uploading its documents and that includes the Form CAC 1.1, Certificate of Incorporation, Memorandum and Article of Association, RC number, and TAX Identification Number. Then depending on the number of directors (base on your initial selection on the type of business), you also need to provide the information of director(s) of your business.

The ‘Activate Business‘ button will become active (clickable) once you’ve completed the FOUR stages. Click on the button “Activate Business’.

Paystack Getway: Sign Up for Paystack Payment Integration Account 2
Please note that the platform above shows for Paystack registration for Nigeria.

Now your account will be reviewed within 24hours for the final activation and full functionality of your Paystack account. But for now, you should see your account application status as ‘Pending’.

Paystack Getway: Sign Up for Paystack Payment Integration Account 3
Please note that the platform above shows for Paystack registration for Nigeria.

Now you see how to create a new Paystack payment account and activating the live payment, follow the steps to achieve the same result and start receiving money from your customers from all over the world without worries.


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