E-commerce has grown so much in Nigeria and Africa over the past decade. This has been one of the driving forces behind the emergence of online payment gateways. Today, there are many top players in this industry.

The business world is changing rapidly into a digitalised one where transactions are made virtually. Businesses offer their services online while consumers pay for these goods and services the same way as it is fast, convenient and safe.

Due to the increase in online transactions, business owners are expected to meet up with increasing demands.

There are a lot of online payment platforms to consider for your business. However, before deciding on one, you must put into consideration important details about the gateways such as the payment methods, features, security, pricing and so on to enable your customers to perform their transactions seamlessly.

Here is a list of the top online payment gateway in Nigeria for E-commerce:

Please note that the list below is in no particular order.



paystack logo




It is one of the most popular payment gateways in Nigeria. It requires zero integration and maintenance fee and only charges a little amount per transaction.

It allows customers to use any payment methods like a bank account, card, Visa QR and so on. It can be used by both local and international customers.

Paystack was bought by Stripe in 2020 for a reported fee of $200 million. They now have a new payment feature that has been missing in a lot of African payment gateway systems. Paystack can now receive and process your Apple Pay transactions.

Pricing Option

Paystack charges its local transactions at 1.5% + #100 (waived for transactions less than #2500). Its international transactions is charged 3.9% + #100 and pay-out is #50 per transaction.


rave by flutterwave logo





Flutterwave have made amazing strides over the years and their recently attained unicorn status is proof.

They are another fast-growing payment gateway in Nigeria. They help business owners accept payment both locally and globally.

Rave supports payment with any currency of the world. It allows cross-currency conversions as well. It accepts card and bank account payments.

Rave offers a white label solution free to businesses and companies.

Pricing Option

Local transaction is charged at 1.4% + #50 (#100 is waived for transactions less than #2000). It charges 3.5% for international transactions and pay-out is #45 per transaction.


firstbank logo





It is a product of First Bank of Nigeria which enables internet payments on e-commerce websites. It allows payment using eTranzact, InterSwitch, MasterCard and Visa cards.

One notable thing about this payment gateway is that it is quite easy to navigate and integrate. FirstPay Link is accessible in Nigeria and Abroad 24/7. It is also a very secure mode of payment.

Pricing Option

Its setup fee is #50,000 per switch (Card scheme). Its transaction fee is charged at 1.5%, subject to a maximum of #2,000.








This is the oldest and one of the most reputable and reliable payment gateway services in Nigeria.

Interswitch is used by big corporations, including banks.

Pricing Option

Its integration fee is a one-time payment of #150,000. Transaction fee for every transaction below #133,333 is 1.5% and #2000 flat fee for transactions above #133,333.

Editor’s Pick


voguepay logo




It enables customers to make payments safely in all major currencies both home and abroad. It also accepts payment in Bitcoin.

One thing notable about VoguePay is that it has a simple API that makes integration easy, even for non-developers. There is no integration fee but charges apply for customization.

Pricing Option

Local transactions are charged at 1.5% and international transactions at 3.8% + 0.50 of currency transaction. Merchant verification fee is #1,500 with CAC and #2,500 with government issued ID cards.

6. PayU:






It affords users a secure and fitting way to receive payments from customers. To use PayU, all you have to do is setup an account on their website. To receive payment from a customer, you will have to send a payment link to the customer’s email address or phone number. The customer can then make the payment via a debit or credit card through the link.

Pricing Option

PayU have different flexible plans streamlined for various businesses.

Learn more about PayU

7. GTPay








GTPay is one of the most popular and secure internet payment gateways in Nigeria. It was developed by GTBank to ease online payments.

One limiting factor of GTPay is that you can only use it if you have a GTBank account.

GTPay accepts both international and local debit or credit cards. It takes about 24 hours for local transactions carried out by merchants to be processed. International transactions take about 48 hours to process.

Pricing Option

GTPay has a setup fee of #75,000.

Local transactions are charged at 1.5% of the transaction amount (maximum of N2,000). International transactions are charged at  3% of the transaction amount (no cap). There is also a monthly gateway charge of #5,000 for international transactions.

Learn more about GTPay

8. Amplify





Amplify isn’t probably the first name you’d hear when you talk about internet payment gateway in Nigeria. But it is one of the smartest ways to carry out recurring payments in Nigeria.

All payments made through Amplify are usually processed within 24 hours. Amplify also have a card correction technology whereby incomplete transactions are retried for up to 2 days.

Amplify can receive payment from up to 40 currencies from Mastercard, VISA, American Express and Verve. Customers are also able to pay directly from their bank accounts.

It is also possible to accept payment without a website.

Pricing Option

There is no setup fee for Amplify. But local transactions are charged at 1.5% + #20 (maximum of #2,000). International transactions are capped at 3.8% at #20.

Learn more about Amplify

9. Remita




Founded in 2014, Remita is an online payment gateway that allows you to receive and make payments on your apps and websites. They also have ready to use plugins, SDKs and APIs that make setting up developer-friendly.

With Remita, you can receive payments from customers in various methods: Inline Payments, Mobile SDKs, eCommerce Plugins, and Recurring Payments.

You can also get paid by simply generating payments requests or invoices.

One of the cool features of Remita is its Payroll management system. It can help you manage your payroll and HR management needs.

Pricing Option

Set up and support fee is free for Remita. Local transactions are charged at 2% (Min ₦100 – Max ₦2,500) while international transactions are charged at 4%.

Learn more about Remita


There are several top online payment gateways in Nigeria. Each have their own unique features and selling points so it is up to you to choose the best option for your e-commerce business.


Are you planning to launch an e-commerce business or improve an existing one? Feel free to consult us.

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Mallami Adekunle

Mallami Adekunle

Kunle Mallami is a digital entrepreneur with expertise in website design, digital marketing, brand strategy and digital content writing. When he's not doing any of these, he will probably be on YouTube learning.

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