Online payment gateway enables merchants to receive payment through their websites. With online payment gateways/platform, customers can make payments on your website.

One thing is to start an online business or eCommerce website, another is to receive payment through your website. If you can’t receive payment for your products and services online then know you’ve not yet started.

Banks and financial service companies are providers of online payment gateways. Globally, there are lots of online payment gateways ranging from an online payment system that ensures payment is made directly into merchant’s bank account from the customer’s bank account without going through a third-party gateway to the online payment system that is being processed by third parties. Similarly, in Nigeria, there is such range of online payment gateway and they work perfectly.

   With so many to choose from, we thought to share with you the top and best online payment gateway/platform in Nigeria that you should consider for your online business.

Read also: 10 Reasons Why Online Businesses Need a Payment System

 

20 Online Payment Gateway in Nigeria

Here are the top 20 online payment gateway Nigeria for eCommerce Business:

1. Paystack

Paystack is a fast-growing Nigerian online payment processing company that allows a merchant to accept local and international card on their website. The online payment gateway makes it easy for merchants to accept credit and debit card payments online from customers. The company started with the processing of Naira card transaction but recently activated International card processing. Paystack helps international companies get paid quickly and securely from customers in Africa.

Whether you are a small or large business enterprise, Paystack offers everything you need to accept payments locally and internationally without hassle. The system is simple, secure and affordable.

Unique Selling Features

• Paystack is easy and free to use: You can setup Paystack on your site or app even without a developer in a few minutes.
• Paystack ensure you get paid: Payments can be completed in just 2-3 easy steps. Your customers can make payments directly on your website, free of hassle.
• Paystack provides tools to help businesses grow: Beyond payments, has reliable support and business solutions to measure and improve your business growth.

Pricing

• Setup Fee: The setup is Free
• Local Transactions: 5% + ₦100 (For payment of ₦2500 and above)
• International Transactions: 9% + ₦100. The charge is capped at NGN 2,000.

–Read more about Paystack

2.      INTERSWITCH Webpaydirect, Webpay & Quickteller

Interswitch is an Africa-focused digital payments company that facilitates the electronic circulation of money as well as the exchange of value between individuals and organisations on a timely and consistent basis.

Interswitch has 3 major online payment solutions for business. They include Webpaydirect, Webpay and Quickteller for business

• Webpaydirect: Webpaydirect is an easy-to-use online payment gateway that integrates directly into your website. The system gives real-time updates on who made the payment, which bank account they paid into and how much was paid from anywhere in the world.
• Webpay: Webpay is online payment gateway integrates directly into your website and enables funds to be paid into your account. The system does not offer detailed reporting. It is also Paydirect – Web (without reporting) which provides information on cash deposits, making it an ideal solution for small or medium-sized businesses.
• Quickteller for business: With Quickteller for business, you can makes receive payments on the ATM, WEB and MOBILE.

Unique Selling features

• Compatibility with Banks: WebPAY plugs-in seamlessly with existing websites. It acts as a bridge between a merchant’s website and banks to process payment transactions.
• Trust and reputation: The system has earned the trust of many online merchants and companies. It has made a name.
• Vulnerability: The payment system is secured.
• Responses to issues and Technical support: They have a good technical support team.

Pricing

• Setup Fee: ₦150,000
• Transaction Fee: 1.5%, subject to a cap of N2,000.

–Read more about Interswitch WebPaydirect, WebPay and Quickteller

3.      GTPay

GTPay is GTBank secure internet payment gateway developed to facilitate payments online using debit Cards issued by banks on the Interswitch Network. The web payment solution allows merchants receive payments from both local and international payment from customers card with Verve, MasterCard, Visa card, Bank Transfer (GTBank to GTBank account Transfer) and USSD Code (*737#).

Unique Selling Features

• International Acceptance: GTPAY accepts both locally and internationally issued cards including Interswitch card, MasterCard and VISA Card.
• Timely transaction processing: Merchants receive payment next working day after transaction takes place for local transactions and 48 working hours for international transactions
• GTPAY monitoring log: GTPAY comes with a unique, online monitoring console that allows merchants to view transactions real-time.
• Reduced sign-on fee: GTBank is a certified developer partner so GTPAY set-up fee waived for merchants.

Pricing

Setup Fee: The setup is N75,000 (Seventy-Five Thousand Naira)

Transaction Charges

• Local Cards (Naira Interswitch Verve, MasterCard and Visa): 5% of transaction amount (subject to a maximum of N2,000).
• International Cards: 3% of transaction amount; no cap.
• International Gateway Monthly Charge: N5,000

–Read more about GTBank GTPay

4.    VoguePay

Voguepay is a unique online payment processor company whose vision is to offer buyers and sellers a secure and easy-to-use means of transacting business online.
VoguePay allows site owners to receive payment for their goods and services globally on their website without any setup fee.VoguePay’s global coverage allows consumers and businesses to safely make and receive payments in all major currencies, regardless of location.

VoguePay also offers a safe and secure platform to accept payment in bitcoin. You can accept one-time payments, set up subscriptions, and even receive donations.

Unique Selling Features

• Multiple payment channels: Accept payment any way you want. Give your customers options.
• Developer friendly: Simple API documentation to make integration easy, even for non-developers.
• User Friendliness: it is user friendly
• Easy Account Management: You can opt-in for business or personal accounts depending on your needs.
• Support Multi-currency: Accept payment in multiple international currencies. Get paid in your default currency.
• Free integration: Easily integrate payment to your website using our plugin libraries and extensions.

Pricing

Personal Account

• Merchant verification – Not Required* *Verification fee of ₦ 1,500/₦ 2,500 required for international wallet funds transfer services.
• Transaction fee – Naira cards = 1.5% (Transactions above ₦2,500 = 1.5% + N30).
• Withdrawal fee – 0.99% + ₦99.
• Payment via VoguePay wallet funds – 1%
  
• Wallet funds transfer (Naira transactions)
  * paid by the beneficiary – 1%
  
• Integration – Free (fees may apply for customisation)
  

Business Account

• Merchant verification – ₦ 1,500 (with Certificate of business registration) and ₦ 2,500 (with Govt. issued ID cards).
• Transaction fee – Naira cards = 1.5% (Transactions above ₦2,500 = 1.5% + N30).
• Withdrawal fee – 0.99% + ₦99.
• Payment via VoguePay wallet funds – 1%
  
• Wallet funds transfer (Naira transactions)
  * paid by the beneficiary – 1%
  
• Integration – Free (fees may apply for customisation)

If you have a Joomla, drupal website or WordPress blog you can download any of voguepay free Joomla modules, drupal extension or WordPress plugin that integrates VoguePay button into your existing website or blog. If you don’t use any of the content management systems, you can generate an HTML code and paste on your website to allow you accept payment for a single item at a time.

– Read more about VoguePay

5.      Remita

Remita is an electronic payment platform used by individuals, all commercial banks in Nigeria, more than 500 microfinance banks, as well as several public and private organizations that process over 700 Billion Naira worth of transactions every month.

With Remita you can receive and make payments on your site and apps. The company offer ready-to-use plugins, SDKs and APIs that make integrating into a website very easy.

Unique Selling features

• Receive Payments: Your customers can pay you in different ways: Inline Payments, eCommerce Plugins, Mobile SDKs, and Recurring Payments.
• Make Payments: Make payment to a single or as multiple beneficiaries from bank accounts you register on Remita. Single Debit Single Credit, Single Debit Multiple Credit, Funds Transfer Plugin
• Accept Multiple Cards: Support multiple card variants – Verve, MasterCard, Visa, Unionpay
• View all your Balances on a single screen: Remitaallows you view all your bank account balance on just one screen.
• Get Paid Easier: Easily get paid by generating and sharing payment requests (or e-Invoices) with family, friends and customers.
• Simple Payroll for All Businesses: Whether you’re a 2 or 200,000 staffed organization, Remita can help manage your payroll & HR management needs.

Pricing

• Setup & Support Fees: Free
• Registration fee: free
• Integration fee: free
• Monthly fee: free
• Support: free
• Receiving Funds from All Bank Branches in Nigeria, Debit & Credit Cards, POS, Mobile Money, Wallets Website: 2% (Minimum of ₦100 and a Maximum of ₦2,500)
• Receiving Local Payments: 2% (Min ₦100 – Max ₦2,500)
• International Payments: 4%(Minimum of N100 and a Maximum of N2,500)

–Read more about Remita

6.      2Checkout(2co)

2Checkout.com is a USA Based online payment processing service company. They are trusted by over 50,000 merchants, 2Checkout supports transactions in 196 countries through 8 payment methods, 26 currencies, and 15 languages, forming one of the leading processors of online transactions in the world.

8 payment methods supported by 2Checkout includes visa, MasterCard, Discover, American Express, Diners Club, JCB, PIN debit cards with the Visa or MasterCard logo, Debit cards with the Visa or MasterCard logo, PayPal. With 2Checkout international payment processing features, you have the opportunity to sell globally and reach a truly international audience.

Unique Selling features

• Multiple language selection options: Offer your customers the option to select from any of 15 languages through the checkout process.
• Multiple currencies selection option: Also offer your customer the option to select from any 26 currencies through the check process.
• View sales, issue refunds and payment on a mobile device: You can view sales, issue refund and check payments on your mobile device.
• Receive Payment: Get paid in dozens of currencies and multiple methods including, Electronic Funds Transfer that goes directly to your bank accounts, international Wire Transfer, or a 2Checkout branded Payoneer MasterCard.

Pricing

• Setup Free: FREE SETUP  (No setup fee paid by customers)
• MasterCard/Visa (local) – TRANSACTION FEE: 5.5% + 45¢ successful transaction
• Interswitch Verve (local) – TRANSACTION FEE: 5.5% + 45¢ successful transaction
• MasterCard/Visa (International) – TRANSACTION FEE: 5.5% + 45¢ successful transaction
• All in one solution to sell DIGITAL GOODS globally – 6.0% + $0.60 per successful sale
• Develop & Boost your subscription business – 4.5% + $0.45 per successful sale
• Easy and simple way to sell globally – 3.5% + $0.35 per successful sale

–Read more about 2Checkout

7.      CashEnvoy

CashEnvoy is a web application that aids the transfer of money from person-to-merchant using web application and personal email addresses. It is the first web payment processor in Nigeria and the only Nigerian Payment Aggregator/Processor accepted on Shopify.

Unique Selling features

• Money donation: it can also be used to donate money for a cause.
• Acceptance of Payment: Merchants start accepting payments on their website within 24hours.
• Multiple Cards Acceptance: merchants can accept local and international – VISA, MASTERCARD, eTranzact and Interswitch cards.
• Free Card usage: Cashenvoy doesn’t charge for online different variants of cards

Pricing

• Registration fee, admin, fee— 0
• Withdrawal fee- 0
• Activation fee- 0
• Transaction fee 2.5%+ N12.60 to a maximum of 3500
• No hidden charges

–Read more about Cashenvoy

8.      eTranzact

eTranzact is Nigeria’s premier payment processing platform. It is Nigeria’s first award-winning multi-application, multi-channel electronic transaction switching and payment processing platform. Payment processing platform supports all major networks and cards including AMEX, VISA and MasterCard.Currently, the company operates in South Africa, Ghana, Zimbabwe, Kenya, Cote d’Ivoire and The United Kingdom.

eTranzactoffers a variety of payment solutions and services which include PayOutlet, Pocketmoni, and BankIT.

• BankIT: BankIT is an alternative payment gateway that works directly with customers’ bank accounts accessible through multiple channels – Web, Mobile, and USSD.
• PayOutlet: PayOutletis a payment solution designed to allow Merchants to collect payments from customers through the branches of eTranzact member banks.
• PocketMoni is a Mobile Money Application Powered by eTranzact Plc. With PocketMonI App, you can: – Pay Bills – Buy Airtime – Send & Receive Money

Unique Selling Features

• Switch processor payment: Switch processes payment requests from multiple channels – Web, ATM, POS, mobile, and many more using automated procedures.
• Multi-channel electronic payment: eTranzact supports all major networks including AMEX, VISA and MasterCard.

Pricing

The setup fee and charges depend on the products and services.

–Read more about eTranzact

9.      Rave by Flutterwave

Rave by Flutterwave is a payment service that enables merchants accept local and global payment from card, bank accounts and USSD. With Rave, you can receive payments locally and globally with no hassles and zero set up fees. It makes accepting of payments online easy, safe and secure.

Unique Selling Features

• Payment: With Rave, you can accept Payment from anywhere in the world through cards, bank accounts, USSDs and QR-Code
• Multi-currency support: Rave’s multi-currency support allows receiving payments in multiple currencies at the flip of a switch. Rave also supports cross-currency conversions.
• Multi-tenancy possibilities: An interesting feature on Rave is the automatic white label possibilities offered absolutely free at the flip of a switch.
• Card and account payments: Rave allows you to charge cards and bank accounts directly. So, you can directly debit your customers’ bank accounts.

Pricing

• Setup Fee: Free
• Local Transactions: 1.4%
• International Transactions: 3.8%

–Read more about Rave by Flutterwave

10. Amplify

Amplify is a NigeriaOnline Recurring Payments Solution. it is the smartest way to accept and manage recurring payments in Nigeria.

Unique Selling features

• World-class, bank-level security: All transactions are processed via a PCI-DSS compliant and 3D Secure payment gateway via an SSL encrypted channel
• Get your money within 24 hours: Payments made through Amplify will be in your company bank account within 1 day.
• Card correction technology: If there’s an issue with your customers’ card, Amplify will automatically retry until payment goes through, for up to 2 days.
• Multiple payment options: Accept payments in over 40 currencies from VISA, MasterCard, Verve, and American Express. Your customers will also be able to pay directly from their bank accounts.
• Accept payments without needing a website: You can accept payments without needing a coder. Create a simple form, send the link to your customer, and get paid.

Pricing

• Setup Fee: Free
• Local Transactions: 1.5% + ₦20 (capped at ₦2,000)
• International Transactions: 3.8% + ₦20
• Settlement: Charge a fixed fee of ₦100 for any settlement to your registered bank account
• Volume Discounts: There is volume discounts for businesses who transact large sums.

–Read more about Amplify

11.  FirstPay Link

FirstPay Link is Firstbankweb-based multi-platform payment gateway that can be integrated to merchant websites to allow Internet payments using InterSwitch, eTranzact, Visa, MasterCard and other cards.

To integrate FirstPay Link, the merchant must be a FirstBank Account Holder. Payments on the Merchant website via FirstPay Link are done using any Bankcard.

Unique Selling Features

• Transaction Access: Allows for real-time access to transaction information.
• Transaction Monitoring log: Provides a log of all successful payment for monitoring, accounting and reconciliation purposes.
• Useful Reports: Provides reports useful for budgeting & planning purposes.
• New payment option: All-in-one solution with the addition of new payment options.

Pricing

• Setup fee: one-off implementation cost of N50,000 per Switch (Card scheme) borne by the Merchant.
• Transaction charge: Transaction charge of 1.5%, subject to a maximum of N2,000borne by the Merchant.

–Read more about FirstPay Link

12.   U-Collect

U-Collect is a UBA Consolidated Internet Payment Gateway Solution which integrates multiple payment solutions available in Nigeria – VISA, Verve, MasterCard and e-Tranzact. The payment gateway allows merchants to accept card payments from customers who desire to do online purchases using their various cards. The gateway connects merchants, cardholders, and financial institutions, offering the assurance of secure transactions and timely payments. The U-Collect platform supports International VISA and MasterCard for some selected industries.

Unique Selling Features

• No OTP need for a transaction: No need for OTP code sent to email or phone as the gateway is not powered by Interswitch
• Free integration: Free deployment to customers
• Integration process: Simplified integration processes
• Email notification: Instant email/SMS notification (on phones of authorized personnel).
• Multi-currency support: Supports multi-currency which dollar, Pounds, Naira, Euro, and many more
• Real-time report:  Real-time comprehensive, searchable and downloadable reports accessible by authorized personnel as specified by Corporate.
• Customer support: 24/7 support through our Customer Interaction centre
• Multiple card Acceptance: Allows globally accepted means of payment – VISA and MasterCard

Pricing

• Integration cost – NIL (No cost of Deployment to the customer)
• Transaction cost: There is a transaction cost of 1.5% / Transaction (subject to a maximum of N2, 000)

–Read more about U-Collect

13. GlobalPAY

GlobalPay is Zenith bank web-based payment gateway that enables merchants with functional websites to accept card payments from customers worldwide. With a one-time integration, merchants can receive payments from a wide variety of locally and internationally issued debit, credit and prepaid cards.GlobalPAY accepts MasterCard, Visa, Verve and Etranzact cards. With Zenith Bank GlobalPay you can receive payments into your account immediately the payments are made.  This solution gives your business a global outlook and vastly expands your potential customer base.

Unique Selling Features

• Real-time transaction Report – Real-time transaction reporting and management are also supported.
• Integration – Only one setup fee and integration enable you accept multiple cards. No need to integrate separately for each card type.
• Multiple Card Acceptance – The payment gateway support local and international cards.
• Customer Segmentation: The Bank tactically segment their customers; hence, they enjoy easier customer management.

Pricing

• MasterCard/Visa (local) – N75,000.00 – 1.5% of transaction amount (capped at N2,000)
• MasterCard/Visa (Int’l)   ————–  – 3.5% of transaction amount (no cap)
• Interswitch Verve –          N75, 000.00 – 1.5% of transaction amount (capped at N2,000)
• Bank monthly Access Fee – N5,000.00
• Foreign Settlement Charge – $50 (per settlement)

–Read more about GlobalPay

14. PayU

PayU Nigeria is a Naspers-owned online payments company, leading the way as a PCI DSS certified payment gateway for businesses. It is a leading online payment service provider dedicated to creating a fast, simple and secure payment process for merchants and buyers.

Unique Selling Points

• Multiple card Acceptance: Expand your reach by accepting all national and international credit cards.
• Customizable payment page: Customize your payment page design to ensure a consistent look and feel.
• Settlement: Next day/Weekly settlement.
• Security: Added security (PCI DSS SSL and 3D secure).
• Fraud Protection: Optional fraud protection service.

Pricing

• Setup & Support Fees: Free
• Payment Processing Fee: Not Specified

–Read more about PayU

15. PayGate

PayGate is Fidelity bank robust enterprise software platform that provides a consolidated internet payment gateway for interaction between merchant websites and Internet payment processors for purposes of accepting card payments over the Internet. It is a payment gateway available on websites and social media. The platform provides customized payment capabilities that can be tailored to peculiar business needs, with flexible backend reporting, data export functionalities, and optional straight integration to corporate legacy systems.

Unique Selling Features

• Acceptance of local and foreign currency: Ability to spend in both Naira and any other foreign currency.
• Multiple card Acceptance: Accepts all cards issued by any bank in Nigeria
• ATM Withdrawal: You can make ATM withdrawals
• POS/Online Payment: Ability to make POS/Online Payments
• EMV and PIN: EMV chip and Pin secured.
• Security: Secured by Verified by Visa (VbyV)
• Paycode Acceptance: Accepts Interswitch paycode
• Daily Alert: Get daily email alert of settlement report to aid reconciliation

Pricing

• Setup Fee – free
• Payment processing – Not Specified

–Read more about PayGate

16. Virtual Terminal Network (VTN)

    Virtual Terminal Network (VTN) is a revolutionary hybrid Web/Mobile payment platform designed solely to aid the growth of eCommerce in Africa. VTN allows the transfer and receive of money locally and through Western Union using your phone or online, plus much more. All VTN cash transactions pass through the Banking system and the physical cash resides in the designated banks.

Unique Selling Features

• Account Lock: VTN has a feature that allows you to lock your account such that nobody can have access to your account even if your password and pin are compromised. Not many solutions around can boast of these security features.
• Affiliate program: VTN allows you to become an affiliate and invite friends to join. We pay you 5% commission of the processing fee each time they receive payments from a VTN use. It’s automatic. Imagine referring an account like a utility company? Please do not tender your resignation just yet.
• Reseller program: VTN allows you to be a reseller of our electronic pin. You can start your business and be selling pins from home or office. We provide you with all the tools and training to get started. You can advertise and have thousands of customers buying pins from you to load their VTN account.

Pricing

• Basic service charge – 2.5 per cent plus N25
• Minimum fee per transaction – N50
• Monthly fee for Personal account holder – NGN 99 per month
• Monthly fee for Merchant account holder – NGN 299 per month

–Read more about Virtual Terminal Network

17. SoftPay

SoftPay is an intermediate Naira payment processor that serves both the seller and the buyer so that payment of goods/services can be exchanged with confidence over the internet for the mutual benefit of both groups, hence the term ‘Third Party Online Secure Payment Provider’. Softpay was launched so that anyone with an email account can send or receive SoftPay Naira.

Each SPN is valued at ₦1.00 NGN. SoftPay Users may redeem their SPN for the cash equivalency at any time simply by filling out the request form when logged into your SoftPay account.

Unique Selling Features

• Money-back guarantee: All trusted SoftPay merchants offer a money-back guarantee.
• Secured payment: when you use SoftPay you know that your money is secure and you have the confidence of a third party to mediate just in case something goes wrong.
• Welcome Bonus: When you open your SoftPay account you will automatically be credited with N200 free as a welcome bonus. This money is yours to use as you please subject to fair use policy.

Pricing

• Setup fee: free
• Payment processing fee: Not Specified

–Read more about SoftPay

18. Stanbic IBTC Internet Payment Gateway

Internet Payment Gateway is Stanbic IBTC Bank web-based solution that lets you accept payment for goods and services through an eCommerce-enabled website. This allows you to accept various cards and subsequently get your funds into your bank account. The Stanbic IBTC Internet Payment Gateway enables acceptance of local-issued cards(Verve, MasterCard, VISA and eTranzact Genesis card) as well as international-issued cards(MasterCard and VISA). In addition, Mobile Money acceptance is enabled for Stanbic IBTC Mobile Money and eTranzact Pocket Moni. As a premium service, it offers segregation of local and international transactions which makes processing easier, support selective profiling per risk level for merchants and comes with unique Payments Processing features.

Unique Selling Features

• Multiple cards Acceptance – Enables acceptance of local-issued cards(Verve, MasterCard, VISA and eTranzact Genesis card) as well as international-issued cards(MasterCard and VISA).
• Easy Payment Option: Provides your business with a quick and easy payment option that helps your customers make payments without leaving your website.
• Instalment Payment: Enables your business to automatically process repeat or instalment payments.
• Partial/total Refunds: Helps you perform partial/total refunds to your customers without needing to engage your bank.
• Integration and Implementation: Quick integration of payment acceptance on your website (about a week).
• Many Payment Options: You can get new customers by offering various payment options including cards, bank transfer, USSD, QR Code, Mobile Money and Paypal.

Pricing

• Setup Fee: MIGS N250,000 (Two Hundred and Fifty Thousand Naira)
• MasterCard/Visa (local) – TRANSACTION FEE: 1.5% of transaction amount (subject to a maximum of N2,000)
• Interswitch Verve (local) – TRANSACTION FEE: 1.5% of transaction amount (subject to a maximum of N2,000)
• MasterCard/Visa (International) – TRANSACTION FEE: 4% of transaction amount; no cap.
• International Gateway Monthly Charge (MIGS only) – N5,000

–Read more about Stanbic IBTC Internet Payment Gateway

19.  Paga

Paga is a mobile payment company with over 5 million customers. Paga also has additional services, one of which is a payment gateway system. It also lets you accept payments without a website. A feature which can come in handy if you don’t own an eCommerce website yet.

Unique Selling features

• Agent: Earn a commission for every transaction you perform for your customers.
• Payment Acceptance: Accept payments or disburse money to banked or unbanked customers in Nigeria.
• Multiple Card Acceptance: Accepts: Mastercard, VISA, Verve, Paga wallet

Pricing

• License Fee: N25,000
• Commission Fees: Fixed N20 + 1% on local cards

–Read more about Paga

20. Eyowo

Eyowo is an online payment gateway that allows online retailers to accept payments on their website and give multiple payment options (Interswitch, Mastercard, Visa and Etranzact) to their buyers with just one integration. Eyowo provides an easy, convenient and secure way to make and receive payments whether online or offline. Everyone who has an active phone number in Nigeria can now make or receive payments via Eyowo payment platform.

Eyowo is now making use of USSD code (*4255#) to withdraw and make payment. You can also download Eyowo on App Store or Play Store.

–Read more about Ewoyo

Conclusion

In conclusion, there are still other online payment processor platforms for Nigerians that I have not mentioned but I selected the 20 well popular online payment gateway.  It is also good you understand how some of these online payment processor system work.

• Top 5 challenges facing Nigeria online payment gateways/Aggregators
• Online Payment Gateway for Multi-vendor eCommerce store in Nigeria
• Top 10 online payment gateways/portals in Nigeria & their setup fees

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