Comparison

Paystack Merchant vs Skillwave

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

Skillwave

Features
Read full description

Skillwave connects you with verified vendors, service providers, skilled professionals, and smart agents—making it easy to shop for products, book services, request help, track tasks, and manage payments all in one secure mobile app. Whether you need home services, professional support, skill-based tasks, or want to earn as a provider, vendor, or smart agent, Skillwave delivers a seamless experience built on convenience, trust, and transparency.Skillwave connects you with verified vendors, service Effortless to use. Secure in every interaction. Built to simplify your everyday needs.

Screenshots

Paystack Merchant4 screens
Skillwave4 screens

Verdict

The call

The clearest difference is update cadence: Skillwave at every 3 days against Paystack Merchant's monthly. Skillwave also leads on iOS requirement (13.0 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, Skillwave every 3 days. The most recent releases landed on October 2, 2026 and October 1, 2026 respectively.

Scorecard2 real differences · 8 level
Paystack Merchant versus Skillwave: the parameters behind the verdict, then further details
ParameterPaystack MerchantSkillwave
PriceFreeFree
Rating3.4 (25 ratings) — better—
Positive reviews22.2% of reviews—
Number of ratings25 — better—
Update frequencyMonthlyEvery 3 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS17.613.0 — better
Further details — not scored
Size18 MB96 MB
Age rating17+4+
DeveloperPaystack Payments LimitedFixerwithin

In-app purchases

None

Paystack Merchant

No in-app purchases

None

Skillwave

No in-app purchases

Questions

Is Paystack Merchant free?
Paystack Merchant is free to download, with no in-app purchases.
Is Skillwave free?
Skillwave is free to download, with no in-app purchases.
Do Paystack Merchant or Skillwave have ads?
Neither Paystack Merchant nor Skillwave shows ads.
Which is updated more often, Paystack Merchant or Skillwave?
Paystack Merchant ships an update monthly, and Skillwave every 3 days. Most recently, Paystack Merchant was updated on October 2, 2026 and Skillwave on October 1, 2026.

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