Stripe2.9% + 30cBest for card payments globally
PROS
+No monthly fee
+Accepts cards from anywhere
+Payment links clients can pay without an account
+Instant payout option available
CONS
-2.9% + 30c per transaction adds up on large invoices
-Account holds can happen with new accounts
Best for: Service businesses invoicing clients who pay by card. The most professional option.
PayPal3.49% + 49cBest for client familiarity
PROS
+Nearly everyone has PayPal
+Available in 200+ countries
+Easy to set up
CONS
-Higher fees than Stripe
-Account freezes and holds are common
-Buyer protection disputes often favour the buyer
Best for: Clients who specifically ask to pay via PayPal. Use as a secondary option, not primary.
PaystackFrom 1.5%Best for African markets
PROS
+Built for Nigeria, Ghana, Kenya, South Africa
+Supports local bank transfers, USSD, mobile money
+Lower fees for local transactions
+Fast local payouts
CONS
-Primarily for African markets
-Less recognised internationally
Best for: Service businesses based in or working with clients across Africa.
WiseFrom 0.4%Best for international transfers
PROS
+Much lower fees than PayPal for international
+Real exchange rates, not inflated ones
+Multi-currency accounts
CONS
-Slower than card payments
-Less familiar to clients
-Not ideal for instant payment
Best for: Freelancers and consultants receiving large payments in foreign currencies.
The smarter approach: combine payment with your invoicing
Using a payment app on its own means you still need to create invoices, track who has paid, and follow up manually. Becflow connects Stripe, PayPal, and Paystack to your invoices automatically. Every invoice you send has a payment link attached. Reminders fire if it is not paid. You see the status of every invoice in one dashboard.
All three payment methods on every invoice
Stripe, PayPal, and Paystack connected to your invoices automatically. 0% extra fees from Becflow.
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