Skip to content

10 best Online Payment Gateway Platform in Nigeria & their Setup Fees

It is not a game-saying that different online payment conveniences have come to stay in Nigeria. I have written an article on the top 20 Online Payment Processor in Nigeria, today I will narrow it down to the top 10 best Nigeria online payment gateway platforms.

Just few days ago, a client from UK called me on phone requesting to know the best online payment platform in Nigeria that he could integrate on his e-commerce website. Here are the best payment gateway options I gave him.

I have careful reviewed these payment gateway again and again. After my assessment, I came out with the 10 best. My assessments and reviews are based on;

Easy integration work flow and documentation, Fast responding and Technical support, Usage, Setup convenience and setbacks, Setup charges and fees, Vulnerability.

A bit diversion please!

Do you want to more about online payment platform? Read this now:
How online payment processor system work.
10 Reasons Why Every Business Need Online Payment Platform.

Without wasting time, here is  list of 10 best Online Payment Gateway Platform in Nigeria and  their Setup  charges.  Again, try to consider these factors;

a. easy integration work flow and documentation,

b. fast responding and technical support,

c. usage, setup convenience and setbacks,

d. setup charges and vulnerability before you choose online payment gateway to be integrated on your site.


On the first Position on this list is Gtbank Gtpay

GTPay is online payment processor platform offered by Guaranty Trust BankPlc which customers can integrate on their e-commerce website to allow them accept payments online. This platform support Nigerian Cards such Visa, MasterCard and Interswitch. GTBank has significantly upgraded their interface and coding.

• Easy integration work flow and documentation

The platforms now have a better integration work flow, and codes are simplified for developers. GTBank is a certified developer partner; hence GTPAY Integration for merchants’ fee is waived. Their customers get a waiver for integration – reduced sign-on fee. GTPay integration documents and coding has been upgraded to make it easier for integrators to understand.

• Fast responding and Technical support

GTBank has a dedicated responsive and technical support team to attend to your issues timely. Emails are responded timely after sent.

• Usage

GTPay payment gateway is one of the most widely used online payment processor on many Nigerian websites. It supports Visa, MasterCard and Interswitch. GTPay payment gateway also supports international cards (Visa and MasterCard).

• Setup convenience and setbacks

The time frame for integration to go live is quite long. Customer has to apply through GTBank to Interswitch, before test ID will be created. After which, TEST integration document and link will be sent to customer with long checklist of requirements. Customer will integrate, and send the checklist to GTBank for verification, then send to Interswitch to set their test date. Interswitch will fix a date for the test, conduct the test before approval and onward live integration details sent to GTBank, GTBank will then setup the customer on their site. This is a very long process; it takes time and can be complex if you don’t understand what you are doing very well. GTBank GTPay integration process and DIY integration document is quite lengthy.
GTPay platform for selecting card type can be difficult for a customer that doesn’t read everything on the page when they want to checkout and make payment. This can lead to higher shopping cart abandonment rate. Customers paying online may not know they have to click their preferred card and then enter email below the page, before proceeding to payment page to enter their card details. This stage can be bypassed for customers that want to accept only local cards. Unfortunately, the stage cannot be avoided by customers that want to accept International cards. The bank should have made it like a simple radio button or something easier for the customer to know they must click, and no need to enter email address again (since it can be bypassed for local cards).
Customer has to open a corporate account with Guaranty Trust Bank Plc to be able to use this service
GTPay International card acceptance comes with a condition, international transactions come with a transaction charge of 3% per transaction (no cap) and a N5, 000.00 monthly subscription fee. This is no doubt a huge for SME and discouraging for a customer that doesn’t regularly do huge turnover transactions. This is the reason why many of their customers don’t subscribe to the international card acceptance of GTPay.

• Gtpay Setup Fees

GTBank GTPay platform support wordpress themes and e-commerce website. The initial setup cost is N75, 000 and integration cost varies depending on the developer.

SWITCH:   MasterCard/Visa (local)—–MasterCard/Visa (Int’l)

SETUP FEES:   N75,000.00 ——– ——-N75,000.00

TRANSACTION FEE:  1.5% of transaction                                                             amount (subject to  maximum of N2,000)  — 3% of transaction


• Vulnerability

The system is safe.

How to get started with GTBank GTPay: To get started with GTBank GTPAY, visit official  GTBank GTPay  web page
• Complete the GTPay Application form.
• Send filled form along with Certificate of Incorporation to your Account officer.
• For further enquiries, kindly send an email to

2. UBA UCOLLECT Payment Gateway

On the second position is UBA UCOLLECT Payment Gateway

UCOLLECT is an online payment processor platform offer by United Bank of Africa. United Bank for Africa Plc has upgraded and partially moved their entire payment gateway – UBA UCollect to a whole new system. The UCollect platform still supports local and international cards, without any setup fee. At the moment, the payment platform support Visa and MasterCard only.

Easy integration workflow and documentation

The integration workflow is superb and easy for good developers. There are three ways to connect your HTTP post (in a different way), XML and JSON. The documentation is quite detailed and explanatory, except there are few some things they would have added.

• Fast responding and Technical support

Zero! They never respond fast as you may want them. This is just an experience with one of their support guys. Though, you may need little or no support from their technical support team.

• Usage

You can use all bank cards on this payment platform.
Customer can get their local and international transactions credited to their Naira and US Domiciliary account respectively.

• Setup convenience and setbacks

The Bank has finally published product detail of UBA UCollect on their official website.
There are few incomplete files and link missing, which can make it complex for a new web developer to integrate to the site. In addition, the gateway lacks a test site, which means even when integrating, you need to be using a live card for every test process. You need to understand the programming to get the integration.
Hmmmmm! It is just manual; you need to approach a customer technical support person in the bank for setup. Their system is not all that complex so I wonder why they wouldn’t allow their setup process to start and finish online.
The customer don’t have access to the backend where they will set RETURN URLS – Success, Failure and Pending URL, you need to fill the URL on the form – for the bank to update and you need to do this consistently anytime you want to do any update on the site.
Customer has to open a corporate account with United Bank for Africa Plc to be able to use this service, like all other Banks that acts as a payment processor in Nigeria.
Information about UCollect is not sufficient among staff at the branch level; you have to call or email the head office for enquiries and support.
The Bank still maintains old and new UCollect payment gateway, which can raise suspicion for potential customer occasionally when they see two different interfaces and links to on different merchants’ site.
Customer needs to spend extra Naira installing an SSL security on their website. Since the UCollect platform is already secured there is no need for an SME to install SSL again.
UBA UCollect charges are quiet higher: 1.5% for local transactions – with no cap and 4% for international – no cap.
Interswitch Verve is not yet integrated to the New UBA UCollect, hence Verve cards can’t be used on the New Platform yet.

  • Setup charges and fees

Partnered with developers who can develop a website and integrate UBA UCollect for the bank customer FREE.

No setup FEE

SWITCH :MasterCard/Visa (local)


TRANSACTION FEE: 1.5% of transaction amount – No CAP

SWITCH: MasterCard/Visa (Int’l)


TRANSACTION FEE: 4% of transaction amount – No Cap


Interswitch Verve 1.5% of transaction amount (subject to a maximum of N2,000).

  • Vulnerability

The syetem is safe.

How to get started with UCOLLECT: To get started with ucollect, visit ucollect web page: UBA UCollect Official Web Page

3. Zenith bank Globalpay

Third on the list is Zenith Globalpay

Zenith Globalpay is payment gateway owner by Zenith bank plc. Zenith Globalpay payment gateway supports both local and international transactions.

  • Easy integration work flow and documentation

There are two ways to take advantage of GlobalPAY:
• Direct Integration with Website: The payment gateway is integrated into your website enabling you receive card payments on the website from cardholders from any bank in Nigeria or internationally.
• Storefront Page: A payment page is hosted for your business on the GlobalPAY Storefront at

  • Fast responding and Technical support

Those guys respond quickly to issues.

  • Usage

The payment gateway support local and international cards such as MasterCard, Visa and Verve Cards.

  • Setup convenience and setbacks

They accept multi-card with just a single integration
Highest levels of data protection via PCI Compliance
Setbacks: As a matter of fact, deployment of this gateway started with N250, 000 (Two hundred and fifty thousand naira), they made a promo and deploy it for 75,000 (Seventy five thousand naira). Currently, the platform has been reviewed upward back to N150, 000 (for Visa, Mastercard and Interswitch card support).

  • Setup charges and fees

The Bank monthly Access Fee – N5, 000.00 and Foreign Settlement Charge – $50 (per settlement) combination are the highest so far. Setup fee of N150, 000 – is also high.

MasterCard/Visa (local)- N75,000.00 -1.5% of transaction amount (subject to a maximum of N2,000)- MERCHANT
MasterCard/Visa (Int’l) -N75,000.00-3.5% of transaction amount; no cap- MERCHANT
Interswitch Verve -N75,000.00-1.5% of transaction amount (subject to a maximum of N2,000) -MERCHANT
Monthly Access Fee – N5, 000.00
Foreign Settlement Charge – $50 (per settlement).

  • Vulnerability

Not too safe.

How to get started with Zenith Globalpay: To get started with zenith Globalpay, visit: Zenith Globalpay Official Web Page:

4. Interswitch Webpay /Quickteller

The fourth on list is Interswitch Webpay /Quickteller

When you talk about online payment in Nigeria, Interswitch is the king. They are the forerunner of online payment platform in Nigeria. Those Guys there are actually doing great. They process both online and offline payment for virtually all commercial banks in Nigeria.

  • Easy integration work flow and documentation

Interswitch webpay payment system adopts the same process as GTBank GTPay. The process is a bit lengthy and also uses a DIY integration document. Their documentation is not enough for you to easily execute the integration. Their documentation is not so helpful; they need to do some work on their documentation. However, the payment processor has also partnered with some developers to assist customers with integration at a cost.

  • Fast responding and Technical support

They have a good technical support team. They respond to mails 7/7. You can call their support team at any time.

  • Usage

This payment gateway platform only supports Nigerian interswitch compliant cards. International cards such as VISA and MasterCard cannot be used. A service many Nigerians now ask for constantly

  • Setup convenience and setbacks

The cost of Integrating Webpay to your website is N150, 000 (One Hundred and Fifty Thousand Naira Only) which to us also is quiet high.

  • Setup charges and fees

Integration of Webpay to a website cost N150, 000 (One Hundred and Fifty Thousand Naira Only) which is quite high.

  • Vulnerability

Absolutely safe.

How to get started with interswitch webpay/Quickteller: To get started with interswitch, visit the interswitch website:

5. Cash Envoy

On the fifth position is Cash Envoy

Cash Envoy is owned by Electronic Settlement Limited and has been endorsed by the Central Bank of Nigeria. They began operation November, 2009 as the First web payment aggregator in Nigeria. The company has grown some interesting customer base.
Cashenvoy vision statement is to create the magical payment process that customers will always want to pay with and merchants always want to receive payments with. CashEnvoy is the only Nigerian Payment Aggregator/Processor this is accepted on Shopify.

  • Easy integration work flow and documentation

I should say they are the best. You don’t need the help of anybody to understand integration process. You will practically find everything you need in the documentation. You can only contact them when you are going LIVE with the application. You need such experience as a developer and all payment platforms should learn from this company on how to make documentation simple and straight forward. No ambiguity, no obstruction.

  • Fast responding and Technical support

They are quite slow for my liking. It may take them some days before they respond to your mail. They need to improve on their technical support. Developers send a support mail, and wouldn’t want to waste a second before receiving response.

  • Setup Convenience and setbacks

It is just automatic. Period! You don’t need to call anybody to get a merchant account. There is always a sandbox for your test and the test accounts are made available online. With this, you can’t just be doing it wrong. I see this as a perfect choice for those who need to choose a platform that would not require them to keep calling technical support. They power website with the UAT document, customers have to pass their test phase of site integration – that is to test your website before going live.

  • Usage

Cashenvoy doesn’t charge for online different variants of cards.
Merchants can accept local and international card such as – VISA, MASTERCARD, eTranzact and Interswitch cards.

  • Setup charges and fees

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

  • Vulnerability

Their implementation work flow (as given by them) is lovely but some nonchalant developers do implement it with room for vulnerability.

How to get started with Cash Envoy: To get started with cash envoy, visit cash envoy official website

6. Voguepay

On the sixth position is Voguepay

Voguepay is a Nigerian payment gateway that allows customers to accept payment on their website. The system support automatic withdrawal to the merchant bank account, unlike most payment processors that merchant has to manually request for withdrawal.

  • Easy integration work flow and documentation

They have developed Plugin, merchant can just download and install to their existing website for selected shopping carts. This minimizes the stress and energy of having to integrate the gateway to your website. Sites without a readymade plugin or code, the company has an integration document you can use for custom integration with your website. You can integrate Voguepay payment gateway into wordpress blog

  • Fast responding and Technical support

Not quite commendable. One of my clients informs me the other day that he reaches voguepay support on phone but the responses he got from them is not quite commendable. They do not show some level of seriousness in their business. I am yet to confirm this.

  • Usage

VoguePay USD MasterCard/VISA channel has been disabled. This is due to the fight against fraud and unauthorized card usage, Merchants who wish to have the channel enabled for them will have to request for it by contacting their support team

  • Setup convenience and setbacks

Voguepay’s comprehensive integrated solutions and services are quite understandable

  • Signing Up Fees and Charges

NIGERIA – Business Account
Business Account
Opening Account Free
Merchant Fee Free
Merchant Verification N1500 (with Corporate Affairs Commission Certificate) and N2500 (with Government issued Identity cards)
Transaction Fee Transaction Fee Naira Cards – 2.5%USD MasterCard & VISA Card – 4.5%(No Gateway Fees Applicable)
Withdraw Money 1% + 120 Naira
Integration Free (Fee may apply for customised Integration)

  • Vulnerability

VoguePay distinguishes itself from other online payment processors with its array of features guided by its core values:

Security and Reliability

How to get started with voguepay:To get started with voguepay, visit voguepay official website:

7. Simplepay

On the seventh position in this list is Simplepay

Simplepay is a Nigerian payment process platform; the company is located in Abuja Nigeria. The gateway utilizes international acceptability of Zenith Globalpay to allow their customers accept payments online using their local and international Visa Card, MasterCard and Interswitch cards.

  • Easy integration work flow and documentation

The company also has developed integration Plugin for different variants of shopping carts and Content Management System, in addition, the integration document is available on the website for custom integration. Just like VoguePay, fee may apply for customized Integration. Getting your website running to accept online payment is simple – it takes a non Technical Person 2hours, for a Developer, you should result in minute.

  • Fast responding and Technical support

Their responses to issues is a bit slow

  • Usage

With simplepay, customers must not have an account with a specific bank to be used in Nigeria; you can choose any bank of your choice; unlike GTBank GTPay, Zenith GlobalPay and UBA UCollect and others. The payment platform does not also insist on SSL, DEDICATED IP among others like UBA UCollect

  • Setup convenience and setbacks

Integration plugin are available for download and where plugin are not applicable, easy to implement documentation are available on the website.

  • Setup charges and fees

Signup fees: FREE
Integration: FREE
 Verve Card/ Naira MasterCard – 1.50% plus N10.00 per transaction;
 Etranzact Card/Web – 1.50% plus N0.00 per transaction;
 Visa (Vpay) integration – 1.50% plus N0.00 per transaction;
 International Payments via Credit Card Visa and MasterCard (Zenith Bank Transfer) – 5.00% plus N10.00 per transaction;
Withdrawal: Wire Transfer – N300.00 per transaction;
Receive Money: 1.00% plus N10.00 per transaction

  • Vulnerability

Vulnerability is on a high side though they claim to have an intelligent system that constantly check and monitor transaction flows. The company has an amazing fraud review system

How to get started with Simplepay: To get started with simplepay, visit their official Website:

8. 2Checkout

On number eight on the list is 2Checkout

2checkout is a USA based company established in 1999. The company has over 50,000 trusted merchants.
The payment platform 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.

  • Easy integration work flow and documentation

The document is easy to implement. It include a pre-integrated payment gateway, a merchant account, PCI compliance, international fraud prevention, and plug-ins for 100 of the most popular carts

  • Fast responding and Technical support

At least, they are good

  • Usage

2checkout accept the following cards: Visa, MasterCard, American Express, Diners Club, JCB, PIN debit cards with the Visa or MasterCard logo, Debit cards with the Visa or MasterCard logo, PayPal, Discover.

  • Setup convenience and setbacks

Setup is simple to implement.

  • Setup charges and fees

Setup is FREE for Merchant account today. You will be required to sign up with 2Checkout by submitting an application. Your application will be processed and your website will be reviewed by underwriting team. Some of the things consider during the review include your products and services, marketing techniques, price, refund and privacy policy. After the application is approved and your site is up and running, you can start selling with 2Checkout.
Transaction Charges for Nigerians.
5.5% + 45¢ successful transaction

  • Vulnerability

Having been on service for the past 14years, they have learn from experience to build 300+ Fraud rules built over time and have also met PCI Level 1 compliance.

9. PayAttitude

On number ninth on the list is PayAttitude

This is not a platform for just any newbie developer. You must be an expert to get your integration through. I am sure all is in the name of security. You can hardly see this gateway on most Ecommerce websites in Nigeria.

  • Integration Work Flow and documentation

You must be good for you to be able to get around integrating this payment gateway. Where your problem starts is when the document sent to you is a folder. You need to have a dedicated server to use this payment option because your shared host won’t allow you to implement all their requirements. According to one of the configuration documents,
After successfully doing the operation above, two files will be generated, a .PEM and .CSR file. The generated .CSR will be mailed to for signing, and then we send you the 2 files, merchantname.key and cacert.pem files that will be referenced in stunnel

Their file document folder contains 11 files. This makes their documentation so cumbersome. However, the integration is pretty straight forward if you are not so new to integration.

  • Fast responding and Technical support

Would you still need support with the overkill documentation? You need support. At almost every point you have to call. Maybe because they know this, their support guys give you their personal numbers. You can even call them at odd hour.

  • Setup Convenience and setbacks

This is practically not convenient. Everything is manual. I doubt if they now accept Mastercards, Verve and Interswitch cards, but they said they do.

  • Vulnerability

The system is Safe

10. FirstBank FirstPayLink

On position ten on this list is FirstBank FirstPayLink

FirstPayLink is an online payment processor platform owned by First Bank of Nigeria Plc. It is integrated to merchant websites to allow Internet payments using InterSwitch, eTranzact, Visa and MasterCard cards. To be able to use this service, the customer must have an Account with First Bank.

  • Easy integration work flow and documentation

First Bank FirstPayLink does not have any integration plugin just like other banks (GTBank GTPay, Zenith Globalpay, and UBA UCollect) that do not have plugin, but they have an integration document too on their website. Their coding and design structure is quite complex and lengthy; hence developer should really know his/her onion.

  • Fast responding and Technical support

They can easily be reached.

  • Usage

The payment gateway platform support local and international transactions.

  • Setup convenience and setbacks

Their coding and design structure is quite cumbersome, hence developer must really knows his onion

  • Setup charges and fees

MasterCard-N50,000.00-1.5% of transaction amount, subject to a maximum of N2,000 (Local) and3% (International)-MERCHANT
Visa -1.5% of transaction amount, subject to a maximum of N2,000 (Local) and3% (International)-MERCHANT
Interswitch Verve -N50,000.00 1.5% of transaction amount, subject to a maximum of N2,000 (Local)-MERCHANT
eTranzact-N50,000.00 1.5% of transaction amount, subject to a maximum of N2,000 (Local)-MERCHANT
The total set-up cost (one-off) is N200, 000 (N50, 000/Switch). There are four Switches available: InterSwitch, Visa, MasterCard and eTranzact. The charges is 1.5% cap N2000 (Local) and 3% (International).

  • Vulnerability

The payment platform is Safe.

If you enjoyed this long article, show some loves…don’t just read, asks your questions, share and drop some comments.

To develop or re-develop a website to accept online payment, contact us to setup your business, Company ecommerce website for you and start accepting payment online real time on website, email us @ or call (+234) 070-388-444-64 for more information.

Share this with your family, relatives and friends – simple hit on the social network button above this article



Q1. I need a payment solution that people can use. Payment options like using your airtime to pay for services. I run a charity organization and I want a platform where people can donate instantly through their phones, through SMS, or through a simple web payment solution. Which would you suggest as an easy and cost effective platform?

Answer: Simplepay will be a good option for you. To accepts payment with stiff budget; you can consider Simplepay, Voguepay and Cashenvoy.

Q2. Which payment gateway can I integrate into my wordpress blog?

Answer: Consider Voguepay, simplepay, cash envoy as your best option,

Q3. I observed that the GTPay is a good gateway. But, I observed that this gateway has payment issues, where customers are not able to make payments successfully. Also, it selects cards. Why and what would you suggest and how can you help me
Answer: Many factors can cause a payment gateway not to accept its card:
a. Some Bank Cards might not be activated for online transactions,
b. Card details might not be entered completely, e.g. GTBank Mastercard and some Banks write the last 4digits number on the Interswitch reflective logo.
c. Some cards require be toVerified by Visa – VISA CARDS, Mastercard Secure Code – MASTERCARD and Safetoken/Hardware/Soft Token – for INTERSWTICH cards, some customers don’t know about this.

Among other issues;
We suggest you put simple FAQ or likely issues customers can have on your website where customers can see it when making payment. You can even make it in form of a picture with arrows pointing to the likely issues – to inform them.

If you enjoyed this long article, show some loves…don’t just read, asks your questions, share and drop some comments.

79 thoughts on “10 best Online Payment Gateway Platform in Nigeria & their Setup Fees”

  1. This is a well researched compilation, definitely online payment space in Nigeria is becoming very interesting, i stumbled on a new payment solution in Nigeria called PayForte, it works exactly like paypal but specially designed for nigerians, you can check it out at it will be nice if you can add them also to your write up, It will help a lot of people that read your post. Thanks

  2. Wow, the discussion here has been awesome, and a very insightful article on payment gateways in Nigeria. Emma, thanks. I’ll give you a call soon. Bless.


  3. Emma can you recommend any merchant that will switch payment from the customer’s account to the site owners account immediately a transaction is done on the website. I don’t want to wait, withdraw or do any reconciliation.

  4. Hello sir, thank you for your very insightful post, am presently working on opening an online store with i need a payment platform that will enable me receive funds globally with the most affordable charges, meanwhile, already tryed 2checkout but it didn’t workout because they have a new policy that will not allow them accept new enterprises, please, help me suggest a payment platform that will accept me as a Nigerian co and will also integrate with Thanks.

      1. thank you very much Mr Emma for your prompt response, i am trully very grateful. though i have already checked out Paystack and discovered their integration will only support stores that have Naira as their default currency. whereas i intend using US dollar as my default currency.. So please help me with a suggestion on a payment gateway that can accepts US dollar as my default currency.. thank you very much sir

  5. My name is Prosper Ejiyere. I am a startup founder in Portharcourt. I am working on the payment gateway. for my site, and I came across your platform on the internet.

    I want a payment gateway that can send the payment to the owner of the product and at the same time, remit our commission to our account. Can you recommend one for me n

  6. Sanni Sunday Emmanuel

    Thank you for time and response.

    I do have a business. Do you mean business account or corporate account?

    But which gateway can provide me such platform effectively.

  7. Sanni Sunday Emmanuel

    I have a Gt dom account. I want to put it at the back end to recieve funds through which ever payment gateway that is best for what I about to explain.

    I sell goods online

    I want a payment system that can accept both international and local cards.

    Since the recipient bank is a domiciliary account, I intend to recieve all my monies in dollars .

    But my preferences is this, From time to time, Nigerians may be interested in buying, some specific banks give Nigeria naira dominated cards 100 usd monthly limit.

    Which payment system will you recommend that best suit what I have described, such that even Nigerians can use it.

  8. Sanni Sunday Emmanuel

    Thank you very much Emmanuel for your consistency.
    I need a payment gateway that allows me receive money into my GT domiciliary account.

    When People want to buy my comodity, they pay in naira, but they are billed in dollars/euros/ pounds. Thereby using their monthly 100 USD or it equivalent.

    I but hope you understand my communication.

    I await your response urgently. Thank you very much

  9. This is a load of informative posts about online payment platforms in Nigeria. I like the thorough analyses of each of the gateways too.

    Now I can easily decide which one among them is right for our upcoming project. Is it true that VoguePay has the lowest transaction fees among all of them?

  10. Hey, very nice article. I own a website, I had been deliberating which payment gatway to use. I am stuck between simple pay and remitta. I need a gateway that can support local and international cards with minimum charges. Can you suggest a gateway you think is good?

  11. Hi Emma, what payment gateway can you suggest for me, i am building a school management system where parents can pay for their wards fees via online paymeny. I want an instant credit of the schools account on every payment made online without the hassle of reconciliation. Which payment gateway can help achieve that.

    1. I agree with Emma that Remita is a good option. But that is not what we use for our own project. Someone recommended we try VoguePay or SimplePay because of their easy integration. We eventually settled with VoguePay and it was easy to implement.

          1. Hello Nnaji,
            He was using so many different username to indirectly promote his payment gateway. We don’t entertain promotion any payment gateway here.

  12. Thanks for this great piece of information . I want to lunch my ecommerce site. I need a payment gateway that will enable me receive payments in USD into my nigerian domiciliary account
    thank you.

  13. Hello, I use the Zenith GlobalPay service and it is very safe as well as quite affordable. Their set-up fee is N75,000 and even though the N5,000 monthly service fee is stated on their form, they don’t charge the fee.
    Also, their sales support is excellent with quick response to issues resolution.

  14. Wooow! This article is very sweet to my heart.
    My name is banji, i run a sport predicting blog and my clients find it difficult to subscribe to the package of choice monthly, i want to know if it is possible to integrate any of these payment gateway to my blog. And i will be glad if you can respond speedily.

  15. Hello Emma,
    I have an eCommerce website which is about to launch, and at the moment we have the paypal payment gateway which accepts and transmits payment through paypal, and all major credit cards. My website is a multi-vendor platform, which means funds will be sent out to multiple vendors. Paypal for works great for the US and some countries that it supports. But for Nigeria Paypal only works for the person buying and not for the vendor receiving money. I do have some vendors from Nigerian which this will pose a problem for. What payment gateways do you suggest that would support my website’s business model.


    1. Hello Chic,
      I suggest Remita e-collection payment gateway. In 2016 our Review of top 10 Online Payment Gateways/portals in Nigeria and their setup fees, Remita e-payment system took the tenth position. Remita- e-payment platform allow merchants and payers to specify unique collection speculation and rules. Remita can be integrated into a website, portal or ecommerce store. As a biller, you can specify as many field as you want for each payer to provide while paying; this makes your operational processing and account reconciliation process easier. For more information visit;

  16. hello emma pls can u do a quick review on onpos its a new payment solution that just launched. want to know your thoughts on it.

    1. OK Val. Coincidentally, we are reviewing the entire online payment gateways/aggregators in Nigeria now (i.e our 2016 review for all Nigeria online payment gateways/aggregators) and we hope your new payment solution will make it among the top 10.

  17. Hi Emma,
    As you already know, I am a fan. Looking forward to your 2016 review of the top 10 online payment… you are going to do another blog on this in 2016, right?

    1. Hello Doze,
      Yea!!! We are currently on the process. We are revisiting different banks, sending emails to different established Nigeria online payment companies for their response. The review post will be coming out on our first quarter 2016 year post.
      Thanks, Doze for your contributions so far.

  18. Hi there. Well done and great write up. Very educating.

    Now I need a gateway I can integrate my app to. App is similar to uber and needs to direct debt the customer after a transaction. Also so that customer can store card details and its secure

  19. I am impressed Emma. I want to engage your service in setup of the online payment system for our NGO.

    I just sent an email to you with the title “Business Request: Provide support for the establishment of NGO online payment system”. You will find a detailed description of what we are looking for in the email. The email is coming from info@ach…, so you may have to check your spam folder too.

    When responding please leave phone number(s) to call back with. Looking forward to hearing back. Take care.

  20. Hey,
    This is a fantastic write up! Thank you!

    Can you help me with this question… for an NGO looking for a payment platform that collects donations, do you recommend SimplePay or GTB Pay and why? We are about to launch our Charity website and looking for a safe secure online payment option that allows foreigners (abroad) to donate directly to us.

    1. Hello Doze,
      In the FAQ down the article, I suggested SimplePay as one of the best option for this. Simplepay and Voguepay has the feature to manage recurrent billing – enabling your customers and members make payment with automatic recurring billing and subscription on merchant website. Customers wouldn’t have to enter their Debit/Credit card details every time they want to make payment or renew their subscription as the system stores it. This is good for premium site content subscription, newsletter fees, club dues and recurring donations.

      Using a Bank as a payment processor come with so many hassle, that’s why Payment aggregators combine these functions, and simplify the entire account setup, Certification and KYC process, but in return charging extra than a standard Bank payment gateway.

  21. Hi Emma,
    OK I got it I will get live website very soon.
    Even after that the problem gonna be same.
    since instamojo and other indian payment processor not gonna provide me there services.
    What do you suggest ? What’s gonna be best option for me.?

  22. Hi Emma,
    I already have contacted instamojo, paytm and some other india based payment processor but since I am running high risk business and every payment that’s gonna be international they can’t provide me there services thats what they told me so. ( one more think i like to tell you that I don’t have any live website now )
    That’s why I need a payment method which should be fast and even work without having any live website.
    As i told you I have already try western union, Money Gram etc they work well but normally there verification process irritate my customers and almost 50% they need to visit local store to send money.
    Bottom line “Is there any payment processor or online money transfer which work instantly. ( I can manage if they charge me more than normal )

    1. Hello Singh,
      You need a website. There is no such fast payment processor platform available anywhere without a website. Again, since you are running a high risk business, you need a secured payment platform.

  23. Hi Emma,
    Wow First I like to say you great job it’s one of the best article I read, Actually that’s why I need your suggestion since you have good knowledge about payment processor.

    First let me tell you I am running a small startup of technical support ( Based in india but my customers are from us and Canada ) for that I need to accept payment from customers online.
    I need a payment processor which can provide me payment fast and it should be easy to charge too ( I can manage if it would be bit costly ). If possible I like to take payment without website.
    Right now I am using western union but not liking it.

      1. Hi Emma there’s no need for sorry and Yes I still need your suggestions,
        As I told you previously currently I am using western union for payment but not liking there verification process ( Even every transaction don’t go through online and it’s not always comfortable for customers to visit local branch of western union to send money ) although i must mention it’s really fast.
        Since I am running high risk business (Technical support ) that’s why it’s not easy for me to get a payment gateway .
        I need a fast and easy payment processor.
        I already have try remtly, PayPal , stripe etc they didn’t work well.

        1. Hello Singh,
          I have to point out that since you are based in India, I would not comment on best payment gateway options or those that provide “a fast and easy payment processor” available in India. However, there are some payment gateways in India that provide better services like the; payU India (, instamojo,, etc.

      1. Hello Thompson,
        In 2016, our next review of all of the best Nigeria Online payment gateway will be coming up, if ( Paga mobile payments service make it; we will do well to include them.

    1. nice work! But which of these can i implement without necessarily opening a corporate account, ie with my usual personal savings account?

      1. Hello Joseph,
        using an online payment gateway or processor platform requires that you have a registered business. The activities of all the online payment gateways are also regulated. A bank account in the name of the business gives transactions a certain legitimacy. So, your company corporate account or business account are best used for online payment gateway integration.

    2. Great write-up and exactly what I was looking for. I’m looking to develop an e-commerce store for a client with wordpress and I’m already biased towards voguepay based on what I have read, others testimonies,

      Further, based on your write-up on vogue pay, I didn’t understand what you meant by
      “The system supports automatic withdrawal to the merchants bank account unlike most payment processors that merchant has to manually request for withdrawal”.

      I would really appreciate if you could simplify this for me as I do not want to make false assumptions.

      Thanks again for the great and explicit write-up.

    3. Hey, Emma,

      Thanks for this list. I’ve been looking at Elotpay recently. They look so promising, but I haven’t tried them out. They can accept and process payments from anywhere in the world. If you have a site, you can accept international Visa, Discovery and Master Card in U.S Dollar. According to them, it takes 3 days to clear the payment internationally, and then 2 days to remit it to your local bank account.

      Can you take a look at their site: and tell me what you think…

      1. Hello Godwin, I have take a look at the online payment platform; The payment processor platform seems promising but they seem to be relatively new into the business and there are no much review about them.
        However, I promise you; I will follow them up. On my next round of online payment platform review, if they make it; they will be considered.

    4. Hey, Emma,

      Thanks for this list. I’ve been looking at Elotpay recently. They look so promising, but I haven’t tried them out. Can you take a look at their site: and tell me what you think…

      1. Hello Godwin, I have take a look at the online payment platform; The payment processor platform seems promising but they seem to be relatively new into the business and there are no much review about them.
        However, I promise you; I will follow them up. On my next round of online payment platform review, if they make it; they will be considered.

    5. Hi,

      i am looking for something not so expensive that is safe. I tried to get the u collect but the said i have to go live first before they provide setup details. I want something i can give my developer to setup before the site goes live. I want something outside the regular expensive payment gateway, please recommend. Thanks

      1. Hello Omab, try SimplePay.
        Omab, you have just mention 3 factors (cheapness, safety and test integration site) paramount to you, you should not forget these other factors such as; easy integration work flow and documentation, fast responding and technical support, usage, setup convenience and setbacks. Beware that most online payment gateway platform in Nigeria will expect that your site goes live because they lack test integration site.

        1. Hello Emma, am surprised you did not mention Paystack in your research.. those it mean they are not promising or you just dint find them vulnerable.

          1. Hello Nelson,
            Paystack is relatively new to online payment system. However, the Paystack online payment platform is actually promising as they have covered a wide horizon in Africa within a space of time. Shola Akinlade and Ezra Olubi, the co-founders are doing a good job. Top Webhosting company Like Web4africa and other top business companies in Africa are already using Paystack. So, I hope to review them to see if they can emerge among the top 10 best online payment Gateway in Nigeria on my next quarter of article review on online payment gateway in Nigeria

    Leave a Reply

    Your email address will not be published. Required fields are marked *