Free tool
Paystack vs Flutterwave fee calculator
Type an amount in naira to see what each provider charges, what you actually receive, and what to charge if you want the customer — or giver — to cover the fee.
Paystack
- Fee
- ₦250
- You receive
- ₦9,750
- Charge this to receive ₦10,000
- ₦10,254
Flutterwave
Cheaper here- Fee
- ₦200
- You receive
- ₦9,800
- Charge this to receive ₦10,000
- ₦10,205
Fees shown before VAT, using each provider's published standard rates (checked October 2026). Negotiated or special rates may differ — always confirm on paystack.com and flutterwave.com.
Paystack (local)
1.5% + ₦100. The ₦100 is waived on payments under ₦2,500, and the fee is capped at ₦2,000.
Flutterwave (local)
2% (1.4% transaction + 0.6% platform fee), plus 7.5% VAT on fees. No cap listed.
Questions
Which is cheaper in Nigeria, Paystack or Flutterwave?
It depends on the amount. Paystack's ₦100 flat fee is waived under ₦2,500 and its fees are capped at ₦2,000, so it is usually cheaper for very small and very large payments. Flutterwave's flat 2% can be slightly cheaper for mid-sized payments between roughly ₦5,000 and ₦20,000.
Is VAT included?
This calculator shows fees before VAT so the two can be compared fairly. In Nigeria, 7.5% VAT applies to processing fees; Flutterwave lists it separately on its pricing page.
Can the customer pay the fee instead of me?
Yes. Most checkouts — including church giving and NGO donation pages we build — can add an optional ‘cover the processing fee’ checkbox so you receive the full amount.
Need online payments built into your website? Read our guide to accepting tithes and offerings online or talk to us.
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