7 Top Business Friendly Online Payment Gateways In Nigeria.

Local businesses in Nigeria have discovered the plethora of opportunities that eCommerce presents, and how it can drive their businesses forward.

We have, therefore, taken the joy to present a list of online payment platforms that work for businesses in Nigeria.

Your online shop should be able to accept payments in local or/and international denominations, depending on your target market.

However, if you are yet to have an eCommerce store, it is high time you did.

Businesses have taken advantage of the web to sell their goods and services including electronics, clothing and accessories, groceries and surprisingly, livestock (Yes. You can buy a cow online.)

Online Payment Gateways In Nigeria

We have compiled this list based on service delivery, user recommendations, ease of integration, the cost of integration and customer support offered by these payment gateway channels. Read on.

1) VoguePay

VoguePay was created with the vision to make online, cross-currency payments and transactions safer, cheaper and more accessible for businesses, traders and consumers in Africa and internationally.

Tens of thousands of clients make use of this platform while some have crowned them has the best payment platform.

They also have pre-made plugins that can be downloaded and installed on selected content web platforms like WordPress, thereby minimizing the stress of having to integrate the gateway to your website.

For sites without a readymade plugin or code, the company has an integration document you can use for custom integration with your website.

They are subscribed to Interswitch, Etranzact, and UnifiedPayments; bringing together all the possibilities of accepting payments in Nigeria.


No fee is taken for opening of account.

However, you pay N1500 for merchant verification (with Corporate Affairs Commission Certificate) and N2500 (with Government issued Identity cards)

Transaction Fee:

Naira Cards – 2.5%

USD MasterCard & VISA Card – 4.5%(No Gateway Fees Applicable)

2) Interswitch Webpay

Interswitch is the largest gateway for receiving e-payments in Nigeria.
They have a secure, reliable, and scalable platform for electronic transaction processing in a multi-institution, multi-functional, Online/Offline environment.

They also accept transactions from a diverse range of delivery payment channels, including Nigerian Verve cards, VISA & MasterCard.

 Cost: You pay N150, 000 for integration to your website & 1.5% commission on every transaction/payment.

3) GtPay

GTPay is the online payment gateway offered by Guaranty Trust Bank Plc. It is a secure Internet payment gateway developed to facilitate payments online using debit Cards issued by banks on the Interswitch Network.

GTPay plugs in seamlessly with the existing websites of customers and acts as a bridge between the customer’s website and financial institutions (Banks).

This platform supports Nigerian Cards such Visa, MasterCard, and Interswitch. This payment platform is linked directly to your GT Bank account.


An initial setup fee of N75, 000 & 1.5% of transaction amount (subject to a maximum of N2, 000) for local transactions.


U-Collect is a Consolidated Internet Payment Gateway Solution, which integrates multiple payment solutions available in Nigeria – VISA, Verve, MasterCard, and e-Tranzact. It features:

      1. Simplified integration processes
      2. Possible integration with corporate core business application if required.
      3. Possible instant email/SMS notification (on phones of authorized personnel).
      4. Supports multi-currency: dollar, Pounds, Naira, Euro, etc.
      5. Real-time comprehensive, searchable and downloadable reports accessible by authorized personnel as specified by Corporate.

Cost: Initial setup is free plus 1.5% of transaction amount.

5) Zenith Global Pay:

There are two ways to take advantage of GlobalPAY:
1) 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.

2) Storefront Page: A payment page is hosted for your business on the GlobalPAY Storefront at www.globalpay.com.ng.

Whichever approach is adopted, Zenith GlobalPay gives you the opportunity to receive payments from a wide variety of locally and internationally issued debit, credit and prepaid cards.



MasterCard/Visa (local) N75,000.00 1.5% of transaction amount (subject to a maximum of N2,000) MERCHANT
MasterCard/Visa (Int’l) 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)

Visit: http://www.zenithbank.com/eBizSolutionsCorporateGlobalPay.aspx

6) 2checkOut

2Checkout maximizes online sales conversions by giving global buyers localized payment options. Trusted by over 50,000 merchants, 2Checkout 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.

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


Setup is free plus 5.5% + 45¢ successful transaction fee for Nigeria.

Visit: www.2checkout.com

7) Simple pay

SimplePay allows any business or consumer with an e-mail address and a bank account to securely, conveniently and cost-effectively send and receive payments online or through their mobile phone. Their in-house fraud review system automatically prevents fraudulent users from transacting with merchants.

The company also makes ready-made integration Plugin for different variants of Shopping carts and CMS (the integration document is available for custom integration)


⇒ Signup fees: FREE

⇒ Integration: FREE

⇒ Transaction Fees:

  1. Verve Card/ Naira MasterCard – 1.50% plus N10.00 per transaction;
  2. Etranzact Card/Web – 1.50% plus N0.00 per transaction;
  3. Visa (Vpay) integration – 1.50% plus N0.00 per transaction;
  4. International Payments via Credit Card Visa and MasterCard (Zenith Bank Transfer) – 5.00% plus N10.00 per transaction;
  5. Withdrawal: Wire Transfer – N300.00 per transaction;
  6. Receive Money: 1.00% plus N10.00 per transaction

To get started, visit: www.simplepay4u.com