eCommerce // Jun 21, 2018

Top Online Payment Gateways in Nigeria for E-Commerce (2018)

Top E-Commerce Payment Gateways in Nigeria


Simply put, online payment gateways enable your customers to make payments on your website. With so many to choose from, we thought to share the top online payment gateways in Nigeria that you should consider for your online business.

Here is CKDIGITAL’s list of the top online payment gateways in Nigeria. Enjoy!





Whether you are a small or large business, Paystack offers everything you need to accept payments. It’s simple, secure and affordable.

Unique Selling Points

  • Paystack is easy and free to get started: You can setup Paystack on your site or app even without a developer in minutes.
  • Paystack makes sure you get paid: Payments can be completed in 2-3 easy steps. Your customers can make hassle-free payments directly on your website.
  • Paystack provides tools to help you grow: Beyond payments, get reliable support and business solutions to measure and improve your growth.


  • Setup Fee: Free
  • Local Transactions: 1.5% + ₦100 (The ₦100 fee is waived for transactions less than ₦2500)
  • International Transactions: 3.9% + ₦100

Learn more about Paystack





Rave lets you receive payments locally and globally with no hassles and zero set up fees. They make accepting payments online easy, safe and secure.

Unique Selling Points

  • Multi-currency support: Rave’s multi currency support allows to receive payments in multiple currencies at the flip of a switch. Rave also supports cross currency conversions.
  • Multitenancy possibilities: An interesting feature on Rave is the automatic white label possibilities offered absolutely free at the flip of a switch.
  • Card and account payments: Rave allows you to charge cards and bank accounts directly. So you can directly debit your customers’ bank accounts.


  • Setup Fee: Free
  • Local Transactions: 1.4% + NGN 50.00
  • International Transactions: 3.5%

Learn more about Rave





A simple and secure way to send and receive payments globally. VoguePay’s global coverage allows consumers and businesses to safely make and receive payments in all major currencies, regardless of location.

Interestingly, VoguePay also offers safe and secure platform to accept payment in bitcoin. You can accept one-time payments, set up subscriptions, and even receive donations.

Unique Selling Points

  • Multiple payment channels: Accept payment any way you want. Give your customers options.
  • Developer friendly: Simple API documentation to make integration easy, even for non-developers.
  • Easy Account Management: Opt for business or personal accounts based on your needs.
  • Multi-currency support: Accept payment in multiple global currencies. Get paid in your default currency.
  • Free integration: Easily integrate payment to your website using our plugin libraries and extensions.


  • Integration: Free (fees may apply for customisation)
  • 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
  • International Transactions (USD MasterCard & VISA Cards): 3.8% + 0.50 of currency transaction

Learn more about VoguePay



GTPay Online payment gateway by GTBank





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

You must have an account with GTBank to use GTPay.

Unique Selling Points

  • International Acceptance: GTPAY accepts both locally and internationally issued cards including Interswitch, MasterCard and VISA.
  • Timely transaction processing: Merchants get value next working day after transaction takes place for local transactions and 48 working hours for international transactions
  • GTPAY monitoring log: GTPAY comes with a unique, online monitoring console that allows merchants view transactions as they occur.
  • Reduced sign-on fee: GTBank is a certified developer partner so we take off GTPAY set-up fee for our merchants and as such the set-up fee is waived for them.


  • 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

To learn more about GTPay


Interswitch WebPay



Webpay integrates directly into your website and enables funds to be paid into your account.

Unique Selling Points

  • Powered by Interswitch, a trusted name in payments
  • Integration to WebPAY using an InterSwitch Certified WebPAY Integration Partner (CWIP) at no extra cost.


  • Setup Fee: ₦150,000
  • Transaction Fee: 1.5%, subject to a cap of N2,000.

Learn more about Interswitch WebPay



Amplify Online Payment Gateway



Amplify is the smartest way to accept and manage recurring payments in Nigeria.

Unique Selling Points

  • World-class, bank-level security: All transactions are processed via a PCIDSS compliant and 3D Secure payment gateway via an SSL encrypted channel
  • Get your money within 24 hours: Payments made through Amplify will be in your company bank account within 1 day.
  • Card correction technology: If there’s an issue with your customers’ card, Amplify will automatically retry until payment goes through, for up to 2 days.
  • Multiple payment options: Accept payments in over 40 currencies from VISA, Mastercard, Verve, and American Express. Your customers will also be able to pay directly from their bank accounts.
  • Accept payments without needing a website: You can accept payments without needing a coder. Create a simple form, send the link to your customer, and get paid.


  • Setup Fee: Free
  • Local Transactions: 1.5% + ₦20 (capped at ₦2,000)
  • International Transactions: 3.8% + ₦20

Learn more about Amplify


There you have it! We’ve listed the top online payment gateways in Nigeria, and we hope you’ve found this useful. We will continue to update this list as the year commences and add any noteworthy payment gateway.

Please note: the list above is no particular order, and is based on our opinion. Information was from content written on their respective websites, and based on our experience using some of them for clients.


Are you looking to start an e-commerce business or improve your existing one? If yes, let’s help you make this a reality. Contact us or request a quote today.

Do you know of any other that should make the list?

Do you have questions or comments concerning the list above?

Feel free to leave a reply in the comments section below.

40 thoughts on “Top Online Payment Gateways in Nigeria for E-Commerce (2018)”

  1. Nice write-up CKDigital.

    I appreciate this article cos i have found 3 good online payment gateways i never knew existed in Nigeria.

    1. Hello Afolabi, the platforms we listed are all very good and will work well even for digital products. I however suggest you visit their websites and even contact them to get the best information about which one will work best for your unique needs.

  2. Charles, thank you for the nice article.
    You might want to include Remita, its reported to process over N500 billion monthly and 13 Trillion Naira in 2017 alone.

  3. Good morning Dairo, i am considering payment solutions,bills and utility services to final consumer at my location plus e-commerce proper. please advice on which platform is more suitable and how do i go about it.
    Thank you.

  4. Wow thanks so much for this timely information. Was really thinking about the payment solution provider to use but your information came on time.

  5. Please which ones among these platforms charges account using account number and not only card information.I also want to know which ones among them does BOT transactions.

  6. HI, I think you should add Payalat/Servepoint to the list, i use them all the time and they are quite good and easy to use.

  7. Thanks for this.
    Please, I’ll like to ask if there is any payment platform that does not only receive payments, but also allows you to make payments to people from your website?

  8. Hello,
    I am currently Development Associate to an Orphanage and we are seeking ways to expand our donor base to the global community, thus this brings the delima which payment portal is much better, we are not so able to spend much on setup fees so that is out of the question I would like to know would you be able to assist in any manner advisory or otherwise? thank you

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