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Comparison · Flutterwave

PayKato vs Flutterwave

Flutterwave is a licensed payment processor operating across multiple African markets. PayKato is a merchant software and orchestration platform that integrates with licensed processors — and adds invoicing, multi-currency billing, and workflow tooling on top.

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What each one actually does

Flutterwave is a licensed processor that handles card acquiring, transfers, and settlement across several African markets. They own the rails for the payments they process.

PayKato is not a processor and is not a bank. PayKato provides invoicing, payment links, a merchant dashboard, KYB onboarding, and itemised settlement records — routing payments to licensed processor and payout partners. Specific partner availability is confirmed during onboarding.

When PayKato makes sense

You sell internationally and need invoicing in USD/EUR/GBP with local NGN settlement. You want one dashboard for invoices, payment links, and settlement breakdowns. You want a partner-agnostic merchant layer instead of integrating processors yourself.

When Flutterwave alone is enough

You've already integrated Flutterwave's checkout on your site, you don't need additional invoicing or multi-currency workflow tooling on top, and your settlement and reconciliation needs are already met.

Frequently asked

Is PayKato regulated like Flutterwave?
No. PayKato is not a payment processor or a bank. PayKato is merchant software operated by Omega Allied Services LTD and works with licensed processors and banking partners for the payment, FX, and settlement work.
Do you replace Flutterwave?
Not necessarily. Flutterwave may be one of the underlying processors PayKato routes to for some methods. Partner availability for a specific merchant is confirmed during onboarding.
How much does PayKato cost?
PayKato's platform fee starts from 1.5% per successful transaction, with no monthly or setup fees. Processor, FX, payout, bank, and country-specific fees may apply on top, charged by the relevant partner. See the Pricing page for a sample breakdown.
Which processors and banks does PayKato use?
PayKato is built to integrate with licensed payment processors and banking partners. Specific processors and availability are confirmed during merchant onboarding based on country, merchant category, and partner approval.

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See if PayKato fits your stack

Create an account or talk to us — we'll be honest about whether PayKato adds value on top of what you already have.

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PayKato is built to integrate with licensed payment processors and banking partners. Specific processors and availability are confirmed during onboarding based on country, merchant category, and partner approval. PayKato is not a bank and does not hold customer funds.