Best Payment Gateways in Nigeria for Online Business & Apps

💳 Best Payment Gateways in Nigeria for Online Business & Apps

If you’re running a business in Nigeria — whether it's a website, app, blog, online store, or freelancing platform — you need a trusted payment gateway to accept money from customers. A payment gateway helps you receive payments using cards, bank transfer, USSD, QR, or even international options.

Here are the top payment gateways Nigerian businesses are using now:

1. Paystack

Paystack is one of the most trusted gateways in Nigeria. It supports card payments, bank transfers, USSD, Apple Pay, and recurring payments.

• Easy to integrate with websites and apps

• Instant payment notification

• International payments supported

• Popular for e-commerce, SaaS, and donations

• Owned by Stripe

2. Flutterwave

Flutterwave allows you to receive payments in naira and other currencies. It supports card, bank transfer, Barter, PayPal, USSD, and mobile money.

• Powerful dashboard

• Accepts international cards and currencies

• Integration with WordPress, Shopify, API

• Used by large companies and freelancers

• POS and virtual card services

3. Monnify

Monnify is used by fintech apps and startups. It gives you virtual accounts for each customer to pay into.

• Used by apps like Opay and Fairmoney

• Fast settlement

• Bank transfer and card support

• Secure API for developers

• Good for digital services

4. Squad by GTCO

Squad is a payment solution by GTBank (GTCO). It supports online and offline payment collections.

• Card, transfer, and POS solutions

• Trusted banking brand

• Detailed analytics

• Recurring and bulk payment options

• Supports SMEs and large businesses

5. Remita

Remita is used by many government platforms and large organizations. It supports both collections and disbursements.

• Bank transfers, cards, and mobile money

• Widely accepted by ministries and schools

• Good for invoice payments

• Integration with ERP and HR platforms

• CBN-approved

6. VTPass

VTPass is known for VTU and digital services. It also provides payment API and wallet options for developers.

• API for bill payments, airtime, data

• Secure wallet system

• Used for fintech platforms

• Naira payments supported

• Easy dashboard for merchants

7. SeerBit

SeerBit is designed for African businesses with smart checkout and analytics.

• Supports card, USSD, and mobile money

• Built for both SMEs and large-scale systems

• Developer-friendly APIs

• Smooth UI/UX

• Trusted across Nigeria and Ghana

8. Opay for Business

Opay offers merchant services and QR payments. It’s popular for mobile apps and local stores.

• POS machine and QR code acceptance

• Works well in local environments

• Instant settlements

• Strong customer support

• Good for physical business

9. Chimoney

Chimoney helps businesses send and receive money globally, including crypto and airtime payouts.

• Multi-currency support

• Airtime, crypto, and gift card payments

• Good for reward-based apps

• Developer tools available

• Used for international projects

10. Paychant

Paychant is a crypto payment gateway that lets you accept Bitcoin and USDT on your site and converts it to naira instantly.

• Accepts crypto payments

• Converts to NGN in seconds

• Safe and secure

• Useful for international customers

• Simple API