Comparison

Paystack Merchant vs SMEDAN AT 20

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

SMEDAN AT 20

Features
Read full description

Welcome to SMEDAN @ 20 Join us as we celebrate 20 years of empowering MSMEs (Micro, Small, and Medium Enterprises) in Nigeria. The Small and Medium Enterprises Development Agency of Nigeria (SMEDAN) invites its partners, employees, business owners, and indeed all Nigerians around the world, as we highlight the remarkable achievements and contributions of SMEDAN, in fostering the growth and development of micro businesses across the country.. With our App, you seamlessly connect with a vast network of like-minded entrepreneurs and partners from around the world, during and after the celebrations. We keep you updated with all the events, information and news for collaborations and growth opportunities as well as expert insights to fuel your success. Access valuable tutorials and guidance about SMEDAN and the general ecosystem of MSMEs in Nigeria. More information can be found on our website - www.smedanat20.com As the foremost agency stimulating, monitoring, and coordinating the MSMEs sub-sector, SMEDAN has been at the forefront of driving policy initiatives and programs to propel small and medium enterprises towards success. We are committed to providing a supportive ecosystem for MSME operations, offering development programs, access to finance, appropriate technology, and technical skills. At SMEDAN, we prioritize growth of small businesses, poverty reduction, job creation, and enhanced livelihoods for families and communities. We strive to create an enabling environment for business growth, collaborating with both public and private institutions to drive economic prosperity. On this occasion of the 20th Anniversary of SMEDAN, we specially thank the Presidency, the Ministry of Industry, Trade and Investment as well as our various local and industrial partners for working with us for the last 20 years. We could not have done it without your support. Today, we are proud of what we have accomplished together and look forward to the next 20 years and beyond. Join us in celebrating two decades of SMEDAN's dedicated service to MSME development. Download our app today and let us celebrate together and embark on a journey of empowerment, growth, and endless possibilities. Together, let's shape the future of MSMEs in Nigeria.

Screenshots

Paystack Merchant4 screens
SMEDAN AT 204 screens

Verdict

The call

The clearest difference is update cadence: SMEDAN AT 20 at every 9 days against Paystack Merchant's monthly. SMEDAN AT 20 also leads on iOS requirement (14.0 vs 17.6). On price, ads, in-app purchases and device support 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.

UpkeepUpdate frequency

Paystack Merchant ships an update monthly, SMEDAN AT 20 every 9 days. The most recent releases landed on October 24, 2026 and October 8, 2026 respectively.

Scorecard2 real differences · 8 level
Paystack Merchant versus SMEDAN AT 20: the parameters behind the verdict, then further details
ParameterPaystack MerchantSMEDAN AT 20
PriceFreeFree
Rating3.4 (25 ratings) — better—
Positive reviews22.2% of reviews—
Number of ratings25 — better—
Update frequencyMonthlyEvery 9 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS17.614.0 — better
Further details — not scored
Size20 MB48 MB
Age rating17+17+
DeveloperPaystack Payments LimitedSAPPHITAL LEARNING LTD

In-app purchases

None

Paystack Merchant

No in-app purchases

None

SMEDAN AT 20

No in-app purchases

Questions

Is Paystack Merchant free?
Paystack Merchant is free to download, with no in-app purchases.
Is SMEDAN AT 20 free?
SMEDAN AT 20 is free to download, with no in-app purchases.
Do Paystack Merchant or SMEDAN AT 20 have ads?
Neither Paystack Merchant nor SMEDAN AT 20 shows ads.
Which is updated more often, Paystack Merchant or SMEDAN AT 20?
Paystack Merchant ships an update monthly, and SMEDAN AT 20 every 9 days. Most recently, Paystack Merchant was updated on October 24, 2026 and SMEDAN AT 20 on October 8, 2026.

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