Comparison

Paystack Merchant vs Vpay Merchant App

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Paystack Merchant

This app enables businesses in Africa to receive payments globally through various methods like cards, bank accounts, and mobile money. It provides transaction management, payment requests, and easy login with biometric authentication. Users can also access support and update their business settings.

Highlights
  • Request and receive international payments
  • Support for cards, bank accounts, USSD, mobile money
  • Payment notifications
  • Transaction search and browsing
  • Biometric authentication login
  • Profile and business settings management
  • Help Center access
Features
Read full description

**With Paystack, run your business wherever you are** Paystack powers payments for businesses across Africa. The Paystack Merchant App puts everything you need to run your business in your pocket, from taking payments in person to tracking sales and resolving chargebacks. **Take payments in person** Enter an amount and accept payment by card, bank transfer, or mobile money. The app automatically applies the right minimum payment amount and formatting for each currency. Every payment appears in your Paystack Dashboard, ready for reconciliation. **Stay on top of your business** See today’s revenue, pending payouts, payment requests, and open disputes as soon as you open the app. You can also find transactions faster by filtering them by status, payment channel, or date. Need to issue a refund? Choose a full, half, or quarter refund directly from the transaction. **Create payment requests in seconds** Create, send, track, mark as paid, or cancel payment requests from the app. Select a customer from your saved customer list instead of entering their details again, then share the payment link through WhatsApp, SMS, or email. **Manage disputes more easily** Chargebacks and fraud claims that need your attention appear in a dedicated “Needs response” queue. A live countdown shows exactly how long you have to reply, and overdue disputes are clearly highlighted in red. Upload evidence, add notes, and respond without leaving the app. **Switch between businesses** Manage more than one Paystack business? Switch between your integrations with a tap, without signing out. The app automatically reloads with the information for the business you select. **Get real-time payment notifications** Receive a notification as soon as a customer pays, so you can confirm the transaction and keep your business moving. **Sign in quickly and securely** Set up a passkey once, then sign in with Face ID or a tap instead of entering your password every time. You can also stay signed in throughout your workday. **Built for Paystack merchants** The app supports merchants in Nigeria, Ghana, Kenya, South Africa, and Côte d’Ivoire, with support for NGN, GHS, KES, ZAR, USD, and XOF. Minimum payment amounts and currency formatting are automatically adjusted for each market. **Completely rebuilt** Paystack 2.0 has been rebuilt from the ground up to be faster, lighter, and easier to use. Every screen has been redesigned as part of a more consistent experience, using Apple’s iOS 26 Liquid Glass materials. And we’re just getting started. Have feedback or ideas for what we should build next? Go to **Account → Help**. Paystack Payments Limited is a licensed and regulated payments processor.

About

Vpay Merchant App

This app allows cashiers to process payments and track their sales performance. It aims to reduce transaction costs, expand payment options, and attract more customers by facilitating more payments.

Highlights
  • Payment processing for cashiers
  • Cashier performance tracking
  • Merchant sales dashboard
  • Reduced transaction costs
  • Increased payment options
  • Customer attraction
Features
Read full description

Till or sales point cashiers are registered on the merchant app and the payments processed by each cashier are displayed on the merchant dashboard to indicate cashier performance. Lower your cost of transaction. Increase your options for payment. Attract more customers. Receive more payments.

Screenshots

Paystack Merchant4 screens
Vpay Merchant App4 screens

Verdict

The call

The clearest difference is rating: Paystack Merchant at 3.4 against Vpay Merchant App's 2.8. Paystack Merchant also leads on review sentiment (22% vs 0%). Vpay Merchant App's advantage is iOS requirement (15.0 vs 17.6). On price, ratings volume, update cadence and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Paystack Merchant holds the better App Store score, 3.4 against 2.8. Both are backed by a comparable volume of ratings — 25 and 12 respectively. Written reviews point the same way: 22% of Paystack Merchant's written reviews are positive against 0% of Vpay Merchant App's.

UpkeepUpdate frequency

Paystack Merchant ships an update monthly, Vpay Merchant App every 2 months. The most recent releases landed on October 2, 2026 and October 14, 2026 respectively.

Scorecard3 real differences · 7 level
Paystack Merchant versus Vpay Merchant App: the parameters behind the verdict, then further details
ParameterPaystack MerchantVpay Merchant App
PriceFreeFree
Rating3.4 (25 ratings) — better2.8 (12 ratings)
Positive reviews22.2% of reviews — better0.0% of reviews
Number of ratings25 — better12
Update frequencyMonthly — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS17.615.0 — better
Further details — not scored
Size18 MB98 MB
Age rating17+4+
DeveloperPaystack Payments LimitedDart Solutions Limited

Customer experience

Paystack Merchant

All ratings25 ratings
Positive60.0%
Neutral8.0%
Negative32.0%
Written reviews9 reviews
Positive22.2%
Neutral11.1%
Negative66.7%

Vpay Merchant App

All ratings12 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

Paystack Merchant

No in-app purchases

None

Vpay Merchant App

No in-app purchases

Questions

Is Paystack Merchant free?
Paystack Merchant is free to download, with no in-app purchases.
Is Vpay Merchant App free?
Vpay Merchant App is free to download, with no in-app purchases.
Which has better reviews, Paystack Merchant or Vpay Merchant App?
Paystack Merchant is rated higher. Paystack Merchant averages 3.4 out of 5 from 25 ratings, while Vpay Merchant App averages 2.8 from 12 ratings.
Do Paystack Merchant or Vpay Merchant App have ads?
Neither Paystack Merchant nor Vpay Merchant App shows ads.
Which is updated more often, Paystack Merchant or Vpay Merchant App?
Paystack Merchant ships an update monthly, and Vpay Merchant App every 2 months. Most recently, Paystack Merchant was updated on October 2, 2026 and Vpay Merchant App on October 14, 2026.

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