7 Best online payment gateways for Nigerian businesses

Victor Onyema
Credit cards.

Online payment gateways, to put it simply, allow your customers to make purchases on your website. Due to the abundance of options, we decided to list the best online payment gateways in Nigeria for your websites.

Here is The Webmakers’ list of seven best payment gateways you can use on your websites. Enjoy!

  1. Paystack

    Paystack provides all the tools you need to accept payments, regardless of whether your company is small or large. It’s easy, safe, and reasonably priced.

Special Selling Points

  • Starting with Paystack is simple and cost-free: Even without a developer, you can quickly set up Paystack on your website or mobile application.
  • Paystack guarantees your payment: Payments can be made in a few simple steps. Direct payment processing is available to your consumers on your website.
  • Paystack offers resources to aid in your development: Get trustworthy assistance and company solutions to measure and enhance your growth in addition to payments.


  • Setup Fee: Free
  • Local Transactions: 1.5% + ₦100 (The ₦100 fee is waived for transactions less than ₦2500)
  • International Transactions: 3.9% + ₦100
rave icon
  1.  Rave by Flutterwave

    Rave makes it simple and cost-free for you to accept payments locally and internationally. They make it simple, safe, and secure to accept payments online.

Special Selling Points

  • Support for numerous currencies: Rave’s multi currency support enables receiving payments in several currencies at the touch of a button. Additionally, Rave offers cross-currency conversions.
  • Possibilities for several tenants: An intriguing aspect of Rave is the automatic, cost-free white label options available at the flick of a switch.
  • Payments by card and account: Rave lets you charge money straight to cards and bank accounts. Consequently, you can debit the accounts of your clients directly.


  • Setup Fee: Free
  • Local Transactions: 1.4%
  • International Transactions: 3.8%
voguepay icon
  1. VoguePay

    a quick and safe method for sending and receiving money internationally. Due to the extensive global reach of VoguePay, both individuals and companies may securely send and receive payments in all major currencies from anywhere in the world.

    It’s interesting to note that VoguePay also provides a safe and secure platform to accept bitcoin payments. You can set up subscriptions, accept one-time payments, and even accept donations.

Special Selling Points

  • Several payment options: Accept payments in any manner you choose. Give your customers choices.
  • Friendly to developers: Even for non-developers, simple API documentation makes integration simple.
  • Simple Account Management: Select a personal or business account depending on your needs.
  • Support for many currencies: Accept money in several international currencies. Receive payment in the currency that is set as your default.
  • Free integration: Our plugin libraries and extensions make it simple to add payment functionality to your website.


  • Integrate: No cost (fees may apply for customization)
  • Merchant Verification: ₦ 1,500 (with CAC) and ₦ 2,500 (with Govt. issued ID cards)
  • Local Transactions (Naira Cards): 1.5% Transactions above ₦2,500 1.5% + ₦30
  1.  GTPay

    To enable online payments using debit Cards issued by banks on the Interswitch Network, GTPay is a secure internet payment gateway developed by GTBank.

    To use GTPay, you must have a GTBank account.

Special Selling Points

  • Acceptance Abroad: GTPAY accepts cards issued both domestically and abroad, including Interswitch, MasterCard, and VISA.
  • Timely transaction processing: For local transactions, merchants get value the following working day after the transaction, and for international transactions, 48 working hours.
  • Monitoring log for GTPAY: GTPAY has a special online monitoring dashboard that lets businesses see transactions as they happen.
  • Reduced sign-on fee: Because GTBank is a certified development partner, we are able to forgo the GTPAY setup price for our merchants.


  • Setup Fee: ₦75,000
  • Local Transactions: 1.5% of transaction amount (subject to a maximum of N2,000)
  • International Transactions (MasterCard, VISA): 3% of transaction amount; no cap.
  • International Gateway Monthly Charge: N5,000
Quickteller Business
  1. Quickteller Business

    With Quickteller Business, you have access to a payment gateway as well as all the other tools you require to expand your company.

Special Selling Points

  • powered by Interswitch, a reputable payments brand
  • Payment options include card, transfer, USSD, QR, and Verve Paycode.


  • Setup Fee: Free
  • Local Transactions: 1.5% fee, subject to a cap of N2,000
  • International Transactions: 3.6%
  1.  Remita

    Remita enables you to accept and send payments on your website and applications. They provide ready-to-use plugins, SDKs, and APIs that simplify integration.

Special Selling Points

  • Receive Payments: This gives your clients numerous options for paying you: Recurring payments, mobile SDKs, eCommerce plugins, and in-line payments
  • Make Payments: Transfer money from bank accounts you register with Remita to one or more beneficiaries. single debit single credit, single debit multiple credit, and a plugin for fund transfers
  • Remita enables you to view all of your balances in a single screen, across all of your bank accounts.
  • Get Paid More Easily: Get paid more easily by creating and sending payment requests (or electronic invoices) to loved ones, friends, and clients.
  • Experience True Work-Life Balance: Take advantage of the ease with which you can move between your personal and corporate accounts whenever necessary.
  • Payroll Made Simple for All Businesses: Remita can assist with managing your payroll and HR management demands whether your company has 2 or 200,000 employees.


  • Setup & Support Fees: Free
  • Receiving Local Payments: 2% (Min ₦100 – Max ₦2,500)
  • International Payments: 4%
PayU Logo
  1.  PayU

    PayU is a top online payment service provider committed to giving buyers and sellers a quick, easy, and secure way to make payments

Special Selling Points

  • Accept all forms of payment: Accepting both domestic and foreign credit cards will help you reach a wider audience.
  • Customized payment page: To ensure a unified look and feel, customize the layout of your payment page.
  • Weekly/next-day settlement
  • Additional safety (PCI DSS SSL and 3D secure)


  • optional service for fraud prevention
  • Setup & Support Fees: Free
  • Payment processing: Unknown

That is it, then! We hope you found our list of top website online payment gateways useful. As the year progresses, we will continue to add any important payment gateway to this list and update it.

Please note that the list above is based on our opinions and is not presented in any specific order. Information was taken from articles published on each of their websites and from other online sources, and it was based on our experience using some of them for clients.

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