Paystack vs Dodo Payments
Paystack or Dodo Payments for your paid community?
Both work with Ubunya: members who pay are let in automatically, and lose access when their membership ends. Here's how they differ on fees, payment methods, tax and payouts.
The short answer
Choose Paystack if
- Registered businesses in Kenya, Nigeria, Ghana or South Africa that want cards and mobile money in one place.
- You'd rather be the seller yourself and keep tax in your own hands.
- Your members pay with M-Pesa.
Choose Dodo Payments if
- Sellers outside Kenya who want tax handled for them and many local payment methods.
- You want Dodo Payments to handle sales tax and VAT as the merchant of record.
Side by side
| Paystack | Dodo Payments | |
|---|---|---|
| Handles sales tax and VAT (merchant of record) | No, you do | Yes |
| Card fee | 2.9% local cards, 3.8% international cards, 1.5% M-Pesa (Kenya). Kenya rates shown; other countries have their own rates. Transfers out cost KES 20–350 depending on amount and destination. | 4% + 40¢ (US cards). Plus 1.5% for international cards, 0.5% for subscriptions, 3% for PayPal or BNPL. $5 fee on payouts under $1,000; $25 for USD SWIFT payouts. |
| Members can pay with | cards, M-Pesa, Airtel Money, mobile money, Apple Pay, bank transfer, USSD, Pesalink, EFT | cards, Apple Pay, Google Pay, Klarna, ACH, SEPA, UPI, Pix, iDEAL, WeChat Pay, GCash |
| Recurring billing | Subscriptions by card (and direct debit in Nigeria); M-Pesa and mobile money can't auto-renew. | Subscriptions by card, Apple Pay, Google Pay and some local methods (UPI, Pix, GCash); others are one-time only. |
| Who can sign up as a seller | Nigeria, Ghana, Kenya, South Africa, Côte d'Ivoire, Egypt, Rwanda | 177 countries; not Kenya or Nigeria (new sign-ups) |
| Payouts | Local bank account or M-Pesa (Kenya), usually after 2 working days | Bank transfer (local or SWIFT) or Payoneer, twice a month by default |
| Free test mode | Yes | Yes |
| Connecting it to Ubunya | Paste your secret key, then paste our webhook URL into Paystack. Paystack's signature is checked with your key. | Paste an API key. We add the webhook for you. |
| Prices on your community | Your Paystack plans. Each yearly plan can also be paid once with M-Pesa or mobile money. | Your Dodo products, subscription or one-time. |
| Renewals in Ubunya | Cards renew automatically. Mobile money pays one year at a time. | Renews automatically. |
| Members' billing page | Paystack's subscription page: change card, cancel. | Dodo's customer portal. |
From Paystack's and Dodo Payments's own websites, checked November 2026. Prices change; check theirs before you sign up. Compare all 11 providers.
Questions
Which handles tax, Paystack or Dodo Payments?+
Dodo Payments is a merchant of record and handles VAT and sales tax for you; with Paystack you're the seller and tax is yours to handle.
Can members pay with M-Pesa on Paystack or Dodo Payments?+
Paystack: yes. Dodo Payments: not that we could find on its website.
Can I use Paystack or Dodo Payments with Ubunya?+
Yes, both. Connect your own account under Manage → Payments. Paystack: Paste your secret key, then paste our webhook URL into Paystack. Paystack's signature is checked with your key. Dodo Payments: Paste an API key. We add the webhook for you.
What happens when a member stops paying?+
Their access stays until the end of what they paid for, plus the grace days you set (three by default). Then the community closes to them. Staff never lose access.
More comparisons
Charge for your community with the account you already have
Connect it under Manage → Payments. Paying members are let in automatically.