Compare
Zoe and Paystack Storefront
Paystack is a PSP with a storefront add-on. Zoe is a creator store that uses its own checkout on OmniBsic rails.
- MTN MoMo
- Telecel Cash
- AT Money
- Visa
- Mastercard
The difference that matters
A store vs a PSP add-on
Three rows from the table, written as objects. Not a slogan.
What you sell from
Zoe: /@handle shop, bio, courses, tickets, bookings
Payout rail
Zoe: Instant MoMo after KYC. Operator marks the send.
Creator tools
Zoe: Affiliates, coupons, memberships, QR tickets, buyer /me
The other side
What you sell from: Paystack Storefront catalog on top of Paystack checkout
Last updated 2026-09-03.
| Topic | Zoe | Other |
|---|---|---|
| What you sell from | /@handle shop, bio, courses, tickets, bookings | Paystack Storefront catalog on top of Paystack checkout |
| Payout rail | Instant MoMo after KYC. Operator marks the send. | Paystack settlement to your bank per their schedule |
| Creator tools | Affiliates, coupons, memberships, QR tickets, buyer /me | Depends on the Storefront feature set you enable |
| API | Zoe Pay API stays for invited gateway merchants | Paystack API is the core product |
Fees
Run your own GH₵ price through the calculator
The /pricing form uses the same fee engine as checkout.
- Free: 3.5% + GH₵0.50.
- Pro: 2.2% + GH₵0.50 plus GH₵199 / month.
- Absorb or pass the fee per product.
GH₵ 76.70
You keep on GH₵80
Instant payout · Lower fees
Start free on Zoe
We do not speak for the other product. The table is a snapshot.
Instant MoMo
Available the same day.
3.5% + GH₵0.50
Free plan. No monthly fee.
No GH₵7
No extra withdrawal fee.
Join 1,200 on the waitlist
Showcase the work. Get paid on MoMo. Sell from one /@handle, send a portal invoice, run a membership, and track it all in one wallet. Free to start. One fee when a buyer pays.
Get Started