Comparison

Paystack Merchant vs Zent

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

Zent

This platform helps modern business owners create global online stores, manage orders, track inventory, and accept payments in multiple currencies. It offers tools to boost sales through referrals, loyalty programs, and promotions, all while providing real-time analytics and 24/7 support.

Highlights
  • Global store setup in minutes
  • Accept payments in 20+ currencies
  • Connect to 40+ delivery partners
  • Seamless order management
  • Smart inventory tracking
  • Referral and loyalty programs
  • Real-time business analytics
Features
Read full description

Zent is an All-in-One platform for modern business owners to create global stores, manage orders, track inventory, accept payments, and grow. Whether you’re just starting out or scaling up, Zent empowers you to run your business smoothly, professionally, and with less stress. KEY FEATURES SET UP YOUR GLOBAL STORE IN MINUTES Create a ready-to-use store website—no tech skills required. Choose from beautiful, easy-to-edit website templates and customize your store design to match your vibe and style ACCEPT PAYMENTS IN 20+ CURRENCIES No matter where your customers shop from, across town or across the world, Zent makes it effortless to get paid. Accept NGN, USD, GBP, EUR, ZAR, KES, GHS, and more, and get settled seamlessly. CONNECT INSTANTLY TO 40+ LOCAL & GLOBAL DELIVERY PARTNERS Deliver faster and cheaper. Your store comes pre-connected to 40+ trusted delivery partners worldwide, no setup required. SEAMLESSLY MANAGE ORDERS Track and fulfill customer orders in real-time with a simple, intuitive dashboard built for speed and clarity. SMART INVENTORY MANAGEMENT Easily add, update, and manage your product inventory. Get automated stock alerts and stay in control at all times. BOOST SALES WITH REFERRALS & LOYALTY Turn your customers into your biggest promoters. Reward loyal buyers and referrals with points that drive repeat purchases and viral sales, all automated for you. REAL-TIME BUSINESS ANALYTICS Get powerful insights on your sales performance, customer behaviour, and business trends. Make smarter decisions to boost growth. LAUNCH DISCOUNT & PROMOTIONS Run discounted sales to attract new customers and increase repeat purchases effortlessly. WHOLESALE-FRIENDLY FEATURES Create Minimum Order Quantities (MOQs) and Tiered MOQs to cater to wholesale customers and grow your B2B channel. OFFLINE SALES RECORDING Keep all your sales, online and offline - in one place. Record walk-in or social media sales easily for accurate reporting. 24/7 SUPPORT & BUSINESS RESOURCES Get ongoing support, business tips, and masterclasses from experts to help you succeed. Handle business on the go with our mobile app Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.zentstores.com/privacy-policy You are welcome to contact us at hello@zentstores.com

Screenshots

Paystack Merchant4 screens
Zent4 screens

Verdict

The call

The clearest difference is review sentiment: Zent at 100% against Paystack Merchant's 22%. Zent also leads on rating (4.3 vs 3.4) and update cadence (every 9 days vs monthly). Paystack Merchant's advantage is in-app purchases (none vs 4) and ratings volume (25 vs 4). On price, ads 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. Zent sells 4 in-app purchases, starting at $4.99 per month. Paystack Merchant asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Zent holds the better App Store score, 4.3 against 3.4. That said, the two scores are not equally well evidenced: Paystack Merchant has 25 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 22% of Paystack Merchant's written reviews are positive against 100% of Zent's.

UpkeepUpdate frequency

Paystack Merchant ships an update monthly, Zent every 9 days. The most recent releases landed on November 3, 2026 and November 4, 2026 respectively.

Scorecard7 real differences · 3 level
Paystack Merchant versus Zent: the parameters behind the verdict, then further details
ParameterPaystack MerchantZent
PriceFreeFree
Rating3.4 (25 ratings)4.3 (4 ratings) — better
Positive reviews22.2% of reviews100.0% of reviews — better
Number of ratings25 — better4
Update frequencyMonthlyEvery 9 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS17.615.6 — better
Further details — not scored
Size20 MB100 MB
Age rating17+4+
DeveloperPaystack Payments LimitedZENT TECHNOLOGIES LIMITED

Customer experience

Paystack Merchant

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

Zent

All ratings4 ratings
Positive75.0%
Neutral0.0%
Negative25.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Paystack Merchant

No in-app purchases

4 purchases

Zent

Subscriptions4
  • Zent Monthly Subscription$4.991 Month
  • Zent Quarterly Subscription$12.993 Months
  • Zent Biannually Subscription$24.996 Months
Show 1 more
  • Zent Yearly Subscription$49.991 Year

Questions

Is Paystack Merchant free?
Paystack Merchant is free to download, with no in-app purchases.
Is Zent free?
Zent is free to download, with in-app purchases available.
Which has better reviews, Paystack Merchant or Zent?
Zent is rated higher. Paystack Merchant averages 3.4 out of 5 from 25 ratings, while Zent averages 4.3 from 4 ratings.
Do Paystack Merchant or Zent have ads?
Neither Paystack Merchant nor Zent shows ads.
Which is updated more often, Paystack Merchant or Zent?
Paystack Merchant ships an update monthly, and Zent every 9 days. Most recently, Paystack Merchant was updated on November 3, 2026 and Zent on November 4, 2026.

Other comparisons