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In this period of lockdown, some people can only afford to drink water only because there is no food to eat. Will you die if water is the only thing you take for 14 days
In this period of lockdown, some people can only afford to drink water only because there is no food to eat. Will you die if water is the only thing you take for 14 days
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Please bear in mind that I am writing this post in comparison between these two fin-tech giants (flutterwave vs paystack) as a software engineer. I have used these two platforms over the years and it is time for me to ...Read more
Please bear in mind that I am writing this post in comparison between these two fin-tech giants (flutterwave vs paystack) as a software engineer. I have used these two platforms over the years and it is time for me to give you my honest but unbiased opinion about them.
Let’s consider these them based on 5 categories
Without further story, let’s dive into it. Shall we?
Country Coverage: The both companies targets the African market and tries to steal our hearts with their services. Of cause, the African market is huge making about $600m or more of the entire market in the world right now by CGTN with the largest fintech residing in Nigeria amongst who are flutterwave and paystack. Paystack according to their website only supports 3 countries; Nigeria, Ghana and South Africa for reasons best known to them, while on the other hand flutterwave according to their website, supports 15 countries; Cameroon, Egypt, Ghana, Kenya, Malawi, Nigeria, Cote d’Ivoire, Mozambique, Morocco, South Africa, Zambia, Rwanda, Tanzania, Gambia and Mauritius.
Aside from these, I had cause to integrate a payment solution in D.R Congo and even though this country was not listed on their signup page, I was able to integrate by contacting their support team. So on this category, FLUTTERWAVE WINS.
Rate of Charge: It is important for all fintechs to state their rate of charges i.e processing fees. Of cause they are out there to make money haven provided an easy payment integration solution for businesses. This category is actually based on country so I’ll use Nigeria as case study. Paystack charges 1.5% + N100 for local transaction and 3.9 % + 100 for international transaction with a cap of N2000 (means charges cannot exceed 2000), they also with waive the N100 for transactions under N2500. On the other hand, Flutterwave charges 1.4% with a cap of N2000 for local transactions and 3.8% for international transactions. The numbers speak for themselves and flutterwave seem to have lower processing fee charges. So on this category, FLUTTERWAVE WINS.
Ease of use and Friendliness: This category is very subjective to be honest. I say this because, there are many angles to look at this from; like i said before, I am doing my comparison as a software developer. A regular user may not agree with me on my opinion. Having said that, I found the Paystack documentation and API much easier to use and integrate than that of flutterwave. Also looking at their website landing pages for regular users to sign up, create things like stores or just to have a dashboard, I’ll still give it to Paystack on this one. I can say for sure that paystack’s platform was modelled after Stripe’s who eventually acquired them in 2020 So for this category, PAYSTACK WINS.
Popularity: This category is really dicy because Paystack was founded in 2015 and flutterwave was fouded a year after that, 2016, but the fact that flutterwave operates in 15 countries and paystack in 3 speaks for itself. More people know flutterwave than paystack now. Also, I should say that flutterwave has built more relationships with Asia, and particularly in China with the likes of Alibaba’s Alipay. So for this category, FLUTTERWAVE WINS
Technical Support (response time): Again, this is based on my personal dealings with flutterwave and paystack support teams. I’ll cut right to the chase. Flutterwave’s support team were very helpful when I had a little difficulty integrating their API, but they responded poorly in terms of response time, I really don’t know why, and then I found Paystack’s team to be very diligent and pain-staking with fantastic response time for a small issue I had. In fact, I didn’t have to contact them for integration because the documentation was clear right out of the box. So for this category, PAYSTACK WINS
I have considered 5 key points in form of categories to base my comparison and like I said, this is my personal opinion. You may have a different opinion or experience about these two giants, but in summary, I think I will stick with Flutterwave because they have wider coverage for my clients, lower processing fees and though their support team is a bit slow, they are still very helpful once you reach them.
So that’s all for now guys… If you have a different opinion about this, kindly leave a comment on this post
Read lessYou might wonder how your DisCos spends the electricity bills you pay for.
Relationships generally requires a lot of work, dedication. If you’re in a long distance relationship Congrats! You’ve got a free ticket to an emotional roller-coaster ride!Some days will be fine but there will be difficult days too. ...Read more
Relationships generally requires a lot of work, dedication. If you’re in a long distance relationship Congrats! You’ve got a free ticket to an emotional roller-coaster ride!
Some days will be fine but there will be difficult days too. Don’t panic as long as you both love each other you’ll scale through. Long distance relationship can be sustained if both parties are willing to put in the work.
There are few things that needs to be put into consideration if you’re willing to make it work;
1: Make trust the foundation of your relationship.
2: communication is key.
3: Make sure your goals align.
4: Avoid excess communication.
5: Stay honest with each other.
6: Be there” even when you can’t actually be there.
7: Focus on the positive aspects of long distance.
8: Feed your emotional intimacy by asking deeper questions.
9: Talk about your future together.
10: Find ways to be a happy person even if you are not together.
Relationships don’t make people happy. People make themselves happy. Happier people are more fun to be around. Find ways to make yourself happy and enjoy your life so that you have positive energy to contribute when you connect or are together.
Before accepting to be in a relationship with that person far away, put these things into consideration and be sure you’re ready to make efforts
A very funny recent video I saw stated: To love is to suffer, to avoid suffering, one must not love, but then one suffers from not loving. Therefore, to love is to suffer, not to love is to suffer. To suffer is to suffer. To be happy is to love, to be happy then is to suffer, but suffering makes one unhappy, to be unhappy one must love or love to suffer, or suffer from too much happiness
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Understanding how you imagine your life in the future can help employers understand whether the trajectory of the role and company fits in with your personal development goals. To answer, provide general ideas about the skills you want to develop, ...Read more
Understanding how you imagine your life in the future can help employers understand whether the trajectory of the role and company fits in with your personal development goals. To answer, provide general ideas about the skills you want to develop, the types of roles you would like to be in and things you would like to have accomplished.
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Many a times you find yourself in a situation where you need to work with a group, and some people might not cooperate with you.
Many a times you find yourself in a situation where you need to work with a group, and some people might not cooperate with you.
Read lessHere are 5 tips to follow in writing a song As you write, if the words or lyrics don’t make sense to you, simply change it Have a simple chorus everyone who listens to your song can easily remember Do not repeat the ...Read more
Here are 5 tips to follow in writing a song
Is it possible to still find someone who genuinely loves you, with no selfish interests
This is to enlighten you on what to have in mind, most especially when power goes off at your residence. A lot is involved in the electricity value chain which I think you should know about.
This is to enlighten you on what to have in mind, most especially when power goes off at your residence.
A lot is involved in the electricity value chain which I think you should know about.
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I have applied for many scholarships throughout my academic journey before now and gotten a couple of them. My masters program was a scholarship to China to study computer science and I have about two Ph.D. scholarships already secured. Therefore, ...Read more
I have applied for many scholarships throughout my academic journey before now and gotten a couple of them. My masters program was a scholarship to China to study computer science and I have about two Ph.D. scholarships already secured. Therefore, I’m in the best position to give you this tip.
“Tell me about your academic journey” is a frequent question asked by Professors and graduate academic staffs. While this question may be tough to answer, don’t blame them for asking. They only want to familiarize themselves with you and to know if you’re capable of what you claim you are. So how do you answer this question?
Here is an example that captures all these tips, look at the block below
My research Journey started since 2014 after a course taught by a Professor on data analysis in my fourth year leading to my final project year. I picked interest in data security and integration for identification management and along side two others in the team, we were able to accomplish the task.At that time, there was a lurking challenge with the Nigerian data bureau department, in that there was no databank or a form of data integration between government agencies. Each agency was almost monotonous, collecting the same information from citizens every time it was required. The project was quite challenging seeing that the task to to develop a mathematical model that could integrate database of different schemas which was a difficult thing to do because we had no prior knowledge of other schemas of data apart from the structured data forms.With the help of my supervisor and my team mates, we pulled strides of excellence to make this possible using prototype schemas from from 12 governmental agencies at that time because real user data was not given to us due to confidentiality issues. Hereafter, we published a paper in the European scientific Journal to this effect.Furthermore, my interest for data security deepened as I embarked on another journey of research in my master’s program, this time using blockchain technology. After reading several papers on SQL injection attacks, I found a gap i could fill, thereby solving a major problem for database administrator and web developers. At that time, there were many models that dealt very well with SQL injection attack, but these models could not deal conveniently well with second-order injection attacks. This method mimics a previous method developed by Boyd & Keromytis, 2004 using a random key on every SQL keyword, but this time, I not only used random key but used the public and private keys of the stellar blockchain technology, an Ed25519 public-key signature system that verifies the query process. Eventually, my model solved the problem while still maintaining just a little above the response time of the previous models. Overall, my journey has been quite an interesting one, having met a plethora of great research minds, in my universities as well as on research network platforms like research gate, where I was able to ask questions and collaborate with other researchers. it is now very glaring that studying and doing research are endeavours I would like to engage in even more.
See also Does it make sense to pay for online degree?
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