Paystack Merchant vs PACT
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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**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.
PACT
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Transform Your Service Business with PACT - The Digital Agreement Platform Say goodbye to paper contracts and disorganized client management. PACT is the all-in-one solution designed specifically for service professionals—therapists, coaches, personal trainers, consultants, and wellness practitioners—to streamline agreements, manage clients, and grow your business effortlessly. Perfect For: • Therapists & Counsellors • Life Coaches & Wellness Practitioners • Personal Trainers & Fitness Instructors • Creative Service Providers • Any service professional managing client relationships Key Features: Digital Agreement Management Create professional service agreements in minutes. Choose from customizable templates or build your own. Send agreements digitally and track their status in real-time. Your clients can sign directly from their email—no printing, scanning, or physical documents needed. Complete Client Management Build and maintain your client database with ease. Store contact information, photos, notes, and access each client's complete agreement history. Search functionality helps you find clients instantly. Unique email validation ensures no duplicate clients in your database. Dashboard Get instant insights into your business with a comprehensive dashboard featuring: • Active, sent, and total agreement counts • Pending agreements overview • Real-time activity feed Session Tracking & Calendar Never miss a session again. Track client appointments, record session notes, and monitor your schedule at a glance. View your calendar in day, week, or 5-day views. Keep detailed records of all client interactions for better service delivery. Mark sessions complete and track progress seamlessly. Digital Signatures Made Easy Send agreements via email with secure, legally-binding digital signatures. Clients can sign in just a few clicks from any device mobile, tablet, or desktop. Receive instant notifications when agreements are signed. Digital Agreement Generation Generate formatted service agreements automatically. Share via email. All agreements are securely stored in the cloud and accessible anytime, anywhere. Track agreement status from draft to completion. Revenue Tracking Monitor your monthly earnings with automatic revenue calculation based on completed sessions. Track your business growth and financial performance at a glance. View detailed session value breakdowns. Secure Cloud Storage All your data is securely stored in the cloud using enterprise-grade security. Access your agreements and client information from any device, anytime. Never lose an agreement again. Your data syncs seamlessly across iPhone, iPad, and web. Works on IOS Available on iOS. Start on your phone, continue on your tablet, and manage everything from your computer. Your data syncs seamlessly across all devices. Privacy & Security First Your clients' information and agreements are protected with bank-level encryption. We're committed to keeping your data secure and private. Email validation and data integrity checks ensure clean, consistent client records. Why Choose PACT? Save Time - Create and send agreements in minutes, not hours Look Professional - Impress clients with sleek digital agreements Stay Organized - All your clients and agreements in one place Grow Your Business - Track metrics that matter to your success Always Accessible - Cloud-based platform works on any device Perfect for Service Professionals Who • Need to send agreements frequently • Manage their sessions. • Value their time and efficiency • Want to present a professional image • Want secure, organized client management Download now - experience better client agreement management. Questions,feedback or need support? Contact us at support@mypactapp.com *PACT - Where Professional Service Meets Digital Innovation* By using this app, you agree to our Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is in-app purchases: Paystack Merchant at none against PACT's 1. PACT's advantage is iOS requirement (15.0 vs 17.6). On price, update cadence, 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
Both are free to download. PACT sells 1 in-app purchase, starting at $10.00 per month. Paystack Merchant asks for nothing beyond the download.
Paystack Merchant ships an update monthly, PACT every 2 weeks. The most recent releases landed on September 14, 2026 and September 11, 2026 respectively.
| Parameter | Paystack Merchant | PACT |
|---|---|---|
| Price | Free | Free |
| Rating | 3.4 (25 ratings) — better | — |
| Positive reviews | 22.2% of reviews | — |
| Number of ratings | 25 — better | — |
| Update frequency | Monthly | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free | — |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 17.6 | 15.0 — better |
| Further details — not scored | ||
| Size | 17 MB | 68 MB |
| Age rating | 17+ | 4+ |
| Developer | Paystack Payments Limited | Capability Applications |
In-app purchases
Paystack Merchant
No in-app purchases
PACT
- Pact Premium Subscription$10.001 Month






