APIs
Hubtel vs Paystack
A verified, side-by-side comparison. Both records are status-checked by Wycord, so you are comparing what each actually offers today, not a stale listing.
Category
APIs
APIs
Type
Payments
Payments
Country
🇬🇭 Ghana
🇳🇬 Nigeria
Docs status
Docs live
Docs live
Licensing
Approval required
Pricing
Not listed
~1.5% domestic / transaction
Verified
Verified
Verified
Last verified
10 Oct 2026
24 Jun 2026
Tags
payments, ussd, sms, mobile-money, ghana
payments, cards, cbn-licensed
Summary
Hubtel is a Ghanaian fintech founded in 2005 as SMSGH offering REST APIs for mobile money collections, card payments, SMS, USSD and ID verification, with official SDKs for C#, Java, Android, iOS, Flutter and Web. Its public docs pages render as overviews while deeper reference sits behind a portal.
CBN-licensed payment gateway and the market leader, with the best docs and widest adoption. Owned by Stripe. SDKs in Python, JS, PHP and .NET, plus an OpenAPI spec and official Postman collection.
Hubtel vs Paystack at a glance
Hubtel and Paystack are both listed under Payments in Wycord's APIs index.
Hubtel is based in Ghana and Paystack in Nigeria.
Both currently show the status "Docs live".
On access, Hubtel is marked "Approval required" and Paystack "No approval needed".
Uptime and latency come from Wycord's own probes of each resource's website, documentation and repository, run every six hours.
How they differ
- Access: Hubtel, Approval required; Paystack, No approval needed.
- Pricing: Hubtel, Not listed; Paystack, ~1.5% domestic / transaction.
- Country: Hubtel, Ghana; Paystack, Nigeria.
Topics
Both are tagged: payments.
Only Hubtel: ussd, sms, mobile-money, ghana.
Only Paystack: cards, cbn-licensed.
Common questions
- Which has better uptime, Hubtel or Paystack?
- Wycord does not yet have enough probe results for both to compare uptime.
- Do Hubtel or Paystack need approval before use?
- Hubtel is marked "Approval required" and Paystack "No approval needed".
- Is the documentation for Hubtel and Paystack working?
- Both show "Docs live" at the last check.
- Where are Hubtel and Paystack based?
- Hubtel is based in Ghana; Paystack is based in Nigeria.