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Best Online Payment Gateways In Nigeria (Top 10)

Online banking is fast becoming one of the most used form of banking in Nigeria with more merchants and traders adopting different means of charging customers online without having to deal directly with cash.

Payment gateways are the most important software when it comes to online banking in any country. These gateways do most of the work from charging the customers card to sending on time passwords and eventually crediting the sellers account.

In Nigeria, there are a many payment gateways you can choose from but most merchants find themselves asking questions like “are some of these Nigerian payment gateways safe?” “Do they accept local and international payments?” and many more.

Well in this article, we’ll do the hard work for you as we shall be listing out the top 10 best payment gateways in Nigeria right now. These payment gateways have been tested and also trusted by so many Nigerian sellers/businesses and while some have the capacity to process international payments from selected countries, other can’t.

Below is a list of the top 10 best and most preferred online payment gateways in Nigeria 2024.

1) Paystack


Paystack is one of Nigeria’s leading online payment solutions provider and it is currently ranked as the best online payment gateway in Nigeria right now. This platform was founded in 2016 by software developers and long time friends, Shola Akinlade and Ezra Olubi and since then, it has processed online payments worth over 10 Billion Naira.

This platform allows merchants to accept debit and credit card payments online from their customers. It is one of the easiest and stress free methods anyone can use to receive payments in Nigeria as they allow sellers to accept payment across multiple channels which include bank transfer, QR payments, USSD payments and many more.

As a merchant with Paystack, you can send the money received from your customers to any bank account of your choice in Nigeria easily.

2) Flutterwave


Flutterwave is another leading online payment gateway in Nigeria and the second best payment gateway in the county after Paystack.

Popular credit and debit cards like Verve, Visa and Mastercard are accepted on this platform and you can also receive payments from a wide range of countries into you bank account in little or no time.

Like Paystack, Flutterwave also makes it extremely easy for merchants in Nigeria to receive payments from their customers online in no time. The platform takes care of integrating banks and other paymemt providers into its platform so businesses wont have to go through the stress of doing these things.

3) Interswitch Webpay


Interswitch Webpay is one of the oldest payment gateways and being a product of one of Nigeria’s biggest technology companies, Interswitch, you don’t have to worry as your customers are paying into the right hands.

This payment system by Interswitch enables registered merchants to receive payments from customers online via Interswitch Webpay or Interswitch WebpayDirect. It is also important to known that there is a one-time integration fee of N150,000 and for every subsequent successful transaction, a fee of 1.5% is charged.

4) GTPay

GTPay is a secured payment system developed and managed by one of Nigeria’s best banks, Guaranty Trust Bank (GTBank). The platform allows registered merchants to receive payments online from customers using debit Cards issued by banks on the Interswitch Network. 

It allows customers to easily pay merchants for purchases of goods and services made on the internet from the comfort of their offices/homes by supplying details of their local debit/credit cards. Payments gotten from customers are paid directly into the merchant’s account within 24 hours.

5) eTranzact


eTranzact is one of Nigeria’s first online payment gateway that accepts and processes payments on behalf of registered merchants in the country. The platform has been in existence for over 16 years and it is one of the best payment gateways in Nigeria right now.

When integrated on the merchants’ website, eTranact has the ability to accept payments from all customers cards issued locally and international, cards like Visa and Master Cards.

eTranzact has operations in Nigeria, Ghana, Kenya, Zimbabwe, South Africa, Cote d’Ivoire, and UK and is currently expanding to many other countries in the world.

6) Voguepay


VoguePay is another leading payments platform in Nigeria and one of the best in the country. With VoguePay, merchants can receive payment for goods and services on their website in no time with not setup fees.

The platform’s global coverage also gives registered merchants the opportunity to receive from customers in all major currencies regardless of where they are in the world. Payment methods accepted on the VoguePay payment platform include credit card payments from major credit card brands like Mastercard and Visa, internet banking (direct pay), wallet transfers, mobile payment, Bitcoin payment and many more.

7) PayU

PayU is a Nigerian payment gateway that was launcehd in 2011 with the mission of making payments easier for merchants across Nigeria. As a leading online payment service provider in the country, PayU deploys more than 300 payment methods and PCI certified platforms to process approximately 1.2 million payments every single day.

With over 14 years of experience in the payment’s industry, PayU is surely one of the payment gateways to reckon with in Nigeria today. The company has local operations span 17 markets across Asia, Central and Eastern Europe, Latin America, the Middle East and Africa.

Social media giants, Facebook also makes use of this platform to receive payments from Nigerian advertisers in their local currency, Naira.

8) CashEnvoy


CashEnvoy is a payment service that allows businesses in Nigeria to receive payments from customers online. The payment platform commenced operations in November 2009 and it is approved by the Central Bank Of Nigeria (CBN) to process web based transactions.

Websites that integrate with CashEnvoy can accept payments from all the major Nigerian debit cards, international Verve Cards, Visa/MasterCards and also from the CashEnvoy wallet.

9) Remita

  • WebsiteRemita.con

Remita is a very popular payment gateway provider in Nigeria which is mostly used by government owned establishments such as schools, universities, polytechnics e.t.c to process payments from Nigerians.

As a platform which is trusted by the government with payments, you should know that this is a very reliable company to work with. It is one of the best payment gateways in Nigeria and the 9th on this list.

Remita offers a wide range of payment methods including Internet Banking, Debit/Credit Cards, Bank Branch, POS Terminals, Mobile Wallet, Cash Agents, mPOS, Direct Debit, Standing Order and Electronic Purse.

10) Unified Payments

Unified Payment Services Limited is one of Nigeria’s premier Payments & Financial Technology company founded in 1997 by a consortium of leading Nigerian banks.

This payment platform allows business owners and other merchants to accept payments from customers via MasterCard, Visa and Verve cards as well as other payment methods from any part of the world.

UP is the first and only non-bank entity in Nigeria that is Principal Member or Licensed Acquirer of all of American Express, Mastercard, PayAttitude, UnionPay and Visa.

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U. Onyekachi

Programmer, content writer and senior editor at TheNigerianInfo. Contact me - Author posts