Payment providers in Nigeria
Payment providers in Nigeria: PSPs, payment gateways and aggregators for pay-ins and payouts — local methods, rates and onboarding terms. Listings: 53.
Nomba
Nomba is a PSP and payment aggregator from Nigeria. It gives businesses tools to accept payments at the counter and remotely: in store, by link and through…
Onafriq
Onafriq is payment infrastructure for cross-border transactions across Africa, built around a mobile money hub that the company says connects more than 500…
Pady
Pady is a payments company from Nigeria that grows its network through partners. The program covers several roles at once, from cash agents to developers…
Paga
Paga is a payment system founded in 2009 and operating in Nigeria and the United States. It offers businesses bulk payouts, API integration and a mobile app…
pawaPay
pawaPay brings African mobile-money wallets together under one API for collections, payouts and refunds. In most countries it works as an aggregator, while in…
PayAngel
PayAngel handles international transfers for individuals and business payments: collections, wallets and payouts. Money is sent from the UK, the US, Canada and…
Paystack
Paystack is a payment gateway and orchestrator for African businesses, founded in 2015 in Lagos and now part of Stripe. It handles online and in-person…
PayU
PayU runs a global payment orchestration and multi-acquiring platform that came from Zooz, a company founded in 2010 in Tel Aviv with a presence in Amsterdam…
SeerBit
SeerBit is a payment provider and gateway operating in nine African countries. It covers online acceptance, in-store payments, recurring billing and embedded…
Simple.app
Simple.app is a payment provider founded in 2021. It combines crypto processing, mass payouts and P2P transfers, serving companies in crypto, e-commerce and…
Skrill
Skrill is a payment system that has been running since 2001. It combines an e-wallet, bank transfers, a mobile app and an API for businesses. Payment methods…
Sticpay
Sticpay is a payment system founded in 2017. It combines an e-wallet, acquiring for businesses and a mobile app, and supports both fiat and crypto assets…
Stitch
Stitch is a payment infrastructure provider and orchestrator for Africa, founded in 2019 in Cape Town. It specialises in Pay by Bank (instant EFT), PayShap…
Swapple
Swapple is a payment provider founded in 2024. It specialises in P2P transfers and crypto processing and works with projects in betting, gambling, binary…
Trustee
Trustee is a payment provider operating since 2022. It combines P2P transfers, crypto processing and API integration and serves clients in Europe, Asia, the…
UniTeller Financial Services
UniTeller is a network for cross-border money transfers and business payments. The company handles pay-ins, sends payouts to recipients and operates through a…
Wise
Wise is an international payments service whose business offering combines a multi-currency payment account, FX, international transfers and batch payouts. The…
Services in Nigeria
Payment providers by country
Subsections
Payment processing in Nigeria
Nigeria is Africa's largest digital payments market and a transfer-first one. Instant bank transfers over the NIBSS Instant Payment (NIP) rail — including "pay with transfer" via dynamic virtual accounts — compete with cards (domestic Verve, plus Visa and Mastercard), USSD codes for feature phones, and fintech wallets. Payment service providers, switches and mobile money operators are licensed by the Central Bank of Nigeria (CBN). Naira volatility and periodic FX shortages make settlement currency a key question for foreign merchants. {count} providers on this page declare Nigeria coverage.
Payment methods in Nigeria
- Bank transfer — NIP instant transfers and virtual accounts; the dominant pay-in and payout rail.
- Cards — Verve, Visa, Mastercard; OTP-based authentication, mixed approval on cross-border.
- E-wallets and mobile money — fintech wallets and PSB mobile money.
- QR, cash and other local APMs — agent networks and USSD-based options.
How to choose a PSP in Nigeria
- Licence and partner bank: who holds the CBN licence and where funds are held.
- Transfer success rate: NIP outages and reversals happen — ask about auto-reconciliation and how failed transfers are refunded.
- Settlement: NGN locally or USD/USDT offshore; check the conversion source and delays.
- Payouts: mass payouts to any Nigerian bank account by NUBAN, limits and fees.
- Verticals: sports betting is huge and licensed at federal and state level; betting, casino and forex merchants need a provider that explicitly accepts gaming.
Betting, iGaming and P2P
Operators searching for a betting or casino payment gateway in Nigeria use local transfer-based PSPs, while P2P processing and teams in Nigeria cover peer-to-peer flows with USDT settlement. Exchangers in Nigeria and liquidity providers help with NGN↔USDT conversion.
Related hubs
Merchants in Nigeria · Banks and EMI in Nigeria · Legal and licensing in Nigeria · Tech in Nigeria
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