Being able to receive payment online in Nigeria is a lot of work. Something that ought to be supposedly seamless became something that you have to do research at PHD level because you own a business. This shouldn’t be. Here are various Online Payment Gateways in Nigeria we can use.

Building an e-commerce site in Nigeria without understanding payment gateways is like opening a store with no cash register. You’ve got products, you’ve got customers, but you can’t actually take their money.
It’s 2026, and Nigeria needs desperately, a payment system that will WORK for NIGERIANS. Not Paypal, Skrill or Payoneer, but a system for Nigerians.

How Online Payment Gateways in Nigeria Work

There are a lot of misconceptions around how credit cards are processed on the web. The reality is that it is fairly complicated to set up the first time and it’s probably more costly than you’d like.

Who Should Read This?

This article is for Nigerian entrepreneurs, small business owners, artisans, and anyone who wants to sell online but isn’t a tech expert. If you want a simple answer to “Can I sell online? How do I get paid?” you’re in the right place.

7 Good Online Payment Gateways in Nigeria

Although there are international online payment gateways/processors that can handle e-payments in Nigeria, they come with high transaction fees and restrictions. That’s why this post isn’t just about Online Payment Gateways, but Online Payment Gateways in Nigeria.

So in no particular order, here is the precise and vetted top 7 Nigerian payment gateways that support international payments in 2025, with exact transaction fees and compatibility details for popular web design and e-commerce platforms:

1. Paystack

Paystack is a major payments platform in Nigeria, and since the Stripe acquisition in 2020, it’s only gotten stronger.

No setup fee.
Local cards: 1.5% + ₦100, with the ₦100 waived for transactions under ₦2,500 (and fees capped at ₦2,000).
International cards: 3.9% + ₦100 for Visa/Mastercard/Verve. AMEX runs higher at around 4.5%.
For USD payouts, you need a Zenith Bank domiciliary account.
Fully compatible with WooCommerce, Shopify, and Wix through official plugins.
Shopify support: There’s a current Paystack app for Shopify that supports refunds from the Shopify dashboard.
Wix integration: Paystack has an official integration with Wix.
Settlements are T+1 (next working day).

2. Flutterwave

Flutterwave is a leading African payments platform that enables businesses to accept payments seamlessly — both locally in Nigeria and from international customers. It supports multiple currencies and payment methods and is widely adopted for cross-border commerce.

Setup Fee: Free
Local Cards (NGN): 2.0% per transaction (1.4% transaction fee + 0.6% platform fee)
International Cards: 4.8% per transaction for non-local currency payments
VAT: 7.5% VAT applies on Flutterwave transaction fees in Nigeria
Integration: Supports WordPress (WooCommerce), as well as custom integration via API (widely used by larger/global businesses)

3. Interswitch

Interswitch is still very relevant, even with Paystack dominating the conversation.
Supports multiple payment channels: local Verve cards, plus Visa and Mastercard for international payments.

Local transactions: 1.5%, capped at ₦2,000.
International cards: 3.8% per transaction.
AMEX sits around 4.5%.
Setup fee used to be around ₦150,000, but recent info suggests they may have dropped it.
Settlements are T+1 (next business day).
Strong enterprise-level security (PCI-DSS, tokenization, etc.).
Integration is mostly via API; official WooCommerce or Shopify plugins aren’t clearly available or actively maintained.

4. Monnify

Monnify is an API-first gateway by Moniepoint. It is good for SMBs, fintech-type businesses, companies that need flexible payout timing.
Fees: 1.5% on card transactions, capped at ₦2,000.
Settlement: Instant settlement feature + default card settlement is T+1.
Payment methods: Cards, USSD, Internet banking, account transfers.

Monnify is well-suited for Nigerian businesses that want to accept Nigerian payments — bank transfers, USSD, and cards — but it’s not a reliable gateway for cross-border businesses that want to accept payments in non‑NGN currencies. For that just use the 1st 3.

5. Seerbit

SeerBit is a modern African payments platform that supports a full range of payment channels — cards, USSD, bank transfer, QR, virtual accounts — making it well‑suited for e‑commerce and online businesses operating in Nigeria and across Africa.

Setup Fee: Free.
Local Payments: 1.5% per transaction (covers local cards, bank transfer, USSD, QR); local card fees are capped at ₦2,000.International Cards: 4.8% per transaction, and international payments can settle in your local currency or USD.

Integration / Compatibility: Offers e‑commerce plugin support (WooCommerce, Magento, Wix). It also provides a customizable checkout API / SDK for web developers.
Supports virtual accounts (for receiving payments via bank transfer) via its API.
Settlement / Payout: Next‑day settlement for transactions, according to Techpoint.
Security: PCI‑DSS Level 1 compliant.

6. Remita

Remita is a solid choice for businesses that need a mature, reliable gateway capable of handling high volumes, structured payments, and a broad range of payment methods — less ideal if you’re just doing small-scale consumer e-commerce with tight margins due to its relatively higher transaction fee.

It is a long-standing Nigerian payments and financial‑management platform (owned by SystemSpecs) that supports e-commerce, institutional, and enterprise payment flows via cards, bank transfers, USSD, and POS.

Setup Fee: Free.
Local Transactions: ~2% per transaction, capped at ₦2,500.
International Cards: Additional ~2% on foreign‑card payments.
Settlement / Payout: Next-day settlement for most payments.
Integration / Compatibility: Works with e-commerce platforms like WooCommerce, Wix, Magento, OpenCart. you can use Remita on a website either via their API (if you have a developer) or via one of their ready-made plugins.
Use: Very strong for institutional or enterprise‑level businesses, government payments, and large-scale collections — trusted by universities, utilities, and big organizations.

A caution for Remita: it’s still valid and CBN‑approved, but legacy plugins are obsolete, so e-commerce integration must rely on API / developer setup, and its role is increasingly tied to TMRAS.

7. Korapay

Kora (formerly Korapay) is a pan‑African payments platform headquartered in Lagos, Nigeria, enabling businesses to accept payments locally and globally. It supports cards, bank transfers, USSD, mobile money, and multi-currency settlement, making it ideal for e-commerce and businesses with international customers.

Setup Fee: Free
Local Payments: 1.5% per transaction (cards, bank transfer, USSD, mobile money)
International Payments: Supports USD and other foreign cards; fees vary by currency
Security: PCI-DSS and ISO certified
Integration / Compatibility: WooCommerce / WordPress plugin or Custom integration via API / Checkout widget.
Use: Very good for e-commerce businesses that want to serve customers across Africa, and for businesses that need payouts + settlements in different currencies.

How Hard Is It to Get Started Selling on Your Website?

It’s easier than you think. With help, setting up your online store and connecting it to any of these payment gateways is smooth and hassle-free. Platforms like WooCommerce and Shopify, combined with professional web design, make launching and managing your store straightforward.

If you want a beautiful, professional e-commerce website with secure and seamless payment integration, we (Pishon Design Studio) build user-friendly online stores tailored for Nigerian businesses, handling all the technical details so you can focus on growing your sales. Click here to set up a meeting let’s come up with a plan you’d like.

Hope this helps.

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