HomeBanking & FinanceBest Online Payment Gateways In Nigeria in 2022

Best Online Payment Gateways In Nigeria in 2022

Are you looking for online payment gateways in Nigeria for your business? Here's a list of the best online payment gateways in Nigeria.

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Are you looking for the best online payment gateways in Nigeria? If yes, you’re reading the perfect article that’ll give you the right information you need. Businesses that rely on the Internet to do business in Nigeria should be aware of how they can receive payments from customers who live in that country or other countries, let’s use online shopping sites as an example.

These days, more and more people are paying for their goods and services using electronic payment methods like debit cards, credit cards, PayPal and other similar options, so if you want to do business with these people, you need to make sure you have the best online payment gateways in Nigeria so you will be able to process these transactions quickly and efficiently.

That’s why in today’s article on NaijaKnowHow, you’ll get to know about the top online payment gateways in Nigeria, and with these payment gateways, you’ll be able to receive money from your online stores and business.

What Is A Payment Gateway?

Payment gateways are the safest and most convenient ways to send and receive payments online. Online payment gateways act as intermediaries between your business and your customers when it comes to transferring money from one account to another.

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payment gateway is a middleware that processes credit card payments, debit card payments, and other forms of web-based payment on behalf of the e-commerce retailer. They are called gateways because they act as a passageway between the payment method (debit cards, credit cards) and the online store that is selling products or services.

These payment gateways provide you with an array of tools to help you manage your online transactions more efficiently. They also offer many options for accepting payments online, including mobile payments, credit card processing, checks, digital wallets and prepaid cards. There are plenty of online payment gateways in Nigeria, but here are our top recommendations based on their features and functionality. The various companies that offer this service charge some fees, but the convenience is worth it

List of the Best Online Payment Gateways in Nigeria

1. Paystack

Online Payment Gateways In Nigeria

A straightforward solution for online payments, Paystack is perfect for any business that wants to accept credit card payments. Paystack integrates with any site or app via a mobile-friendly software code and their flat rate fee is one of the cheapest available. Any international and domestic transactions can be processed through the service, which makes it a great payment gateway for businesses that need customers in multiple countries.

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One of the best online payment gateways in Nigeria and undoubtedly the most popular payment gateways in Nigeria is Paystack. Unlike other payment gateways, Paystack offers a subscription-based service that can be used with any website. And since it’s seamless online integration, you won’t have to worry about lengthy sign-up forms or complicated programming integrations. As a bonus, these guys are offering the best payment options so you can try them out before deciding whether or not they’re suitable for your business, Paystack is quite popular. It’s one of the best online payment gateways in Nigeria.

2. Flutterwave

Online Payment Gateways In Nigeria

Most Nigerian businesses know that to operate as a successful business and compete, it is important to use the right payment gateway. Flutterwave is recognized as one of the best online payment gateways in Nigeria because of its simplicity and wide range of accepted currencies.

These benefits are great for not only those who do business in Nigeria but also for those around the world. From large transactions to small business owners, this popular fintech company in Nigeria, Flutterwave, has a payment solution for everyone who operates online. If you’re considering starting an online store or need help setting up your current store with a payment gateway, be sure to choose Flutterwave for your next step because they got your back! It’s also a company many people have been comparing in a debate between Paystack vs Flutterwave.

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A Flutterwave transaction requires just one click from buyer to seller, making it a straightforward way for businesses of all sizes to make sales online. Beyond card payments, they also teamed up with Shopify to allow stores on their platform to accept crypto as a form of payment without any additional setup necessary.

3. Remita

Online Payment Gateways In Nigeria

With the ever-changing technology, it is imperative to adapt and use platforms that can meet up with the trend. With this in mind, they are one of the most suitable payment gateways for customers to pay for services in Nigeria. This top fintech company can be ranked as one of the best online payment gateways you will find in Nigeria, it is relied upon by professionals in their finance and business.

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If you are an entrepreneur who needs funding to get your idea off the ground, they can help you find what you need to fund your venture. Remita offers solutions to all kinds of payments such as credit cards, USSD and other forms of payment. Remita is a Nigerian money remittance company based in Lagos that facilitates easy payment solutions and remittances.

4. VoguePay


It is always essential to find the right and reliable gateway that offers the highest service with maximum convenience. A good example of a gateway is VoguePay which provides an integrated solution, not only online but offline as well. Merchants can either use a card reader or they can opt for the EMV chip card terminals that read magnetic stripes and chips. VoguePay handles transactions such as reloads, bill payments, parking charges and other utility payments at approved merchants (locations).

VoguePay is one of the most popular online payment gateways and undoubtedly one of the best online payment gateways in Nigeria due to its security, simplicity, and availability worldwide. Paying bills online takes a few minutes and works like a magic, your user only needs a credit card or any other payment options to make a payment. All they have to do is enter your bank information and some basic information about the transaction, VoguePay will process the transaction seamlessly.

5. Monnify


You may already be a user of this amazing payment gateway and not even know it. Monnify is one of the easiest to set up, it provides quick conversions and low fees that allow businesses to grow with their customer base at a faster rate. If you’re looking for simplicity with transparency, Monnify is a great option. However, if you are dealing with higher ticket transactions, require complex billing agreements or need to send money outside of Nigeria, then this gateway might not be for you.


With the online payment gateways we’ve listed in this article, you’ll surely find it easy to get paid when you have a store or a business page where people can buy products online without stress, these online payment gateways are the best in Nigeria and you can trust them.

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Oladimeji Shadrach
Oladimeji Shadrach
A Computer Software & Hardware Engineer | Content Writer | Blogger | Web Designer | Web Developer. I'm Available for Content Writing Gigs, Website and Blog Creation Jobs As Well.

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