Top 10 Best Online Payment Gateways in Nigeria

Online payments in the past was always an herculean task, which limited eCommerce growth in Nigeria, because clients could not pay easily for goods online. Online merchants in Nigeria delivered goods by receiving payment on delivery or customers pay into their bank account before their goods is delivered to them. But it then becomes inconvenient for the customer to go and queue in the bank when the goods or service involved is less than 5000naira.

But now there has been a tremendous transformation in the market with the introduction of payment gateways, now a merchant in a remote town in delta, can set up his web store, accept payments and deliver goods to any part of Nigeria. The list if not meant to review each of the payment gateways, neither are we recommending any of one of them. It is for informational purpose to make you aware of their services.

Here is the top 10 list for Payment Gateways used to receive payments online in Nigeria

1. Interswitch Webpay

Interswitch provides payment services to businesses and individuals wishing to receive payment and to cardholders wishing to pay for goods and services over the internet. A web merchant can receive online payment from cardholders via Interswitch WebPay or Webpaydirect.

2. Paystack

PayStack is one of the most popular payment gateways at the moment. It allows merchants accept debit and credit card payments online from their customers. It is an easy and reliable way to accept payments across multiple channels, use payment pages to run online campaigns for your products and services without writing code, with an option to run your subscription business with ease.

As a Paystack merchant, you can payout money directly from your Paystack dashboard to any bank account in the country.

3. Flutterwave

Flutterwave makes it easier for banks and businesses to process payments across Africa. The service allows consumers to pay for things in their local currency; Flutterwave takes care of integrating banks and payment-service providers into its platform so businesses don’t have to take on the expense and burden.

Rave is a product of Flutterwave which allows website owners accept debit/credit payments from customers in 154+ countries. Visa, MasterCard, Verve are supported. Your customers in the United States of America, South Africa and Nigeria can pay you directly from their bank accounts.

4. Etranzact

eTranzact WebConnect is a solution developed to accept and process payment on behalf of the merchant. The solution is ported or integrated on eTranzact merchant website. It accepts all cards issued locally and international, cards like Visa and Master Cards. It has the ability to credit multiple account simultaneously online real-time.

ETranzact was launched in September 2003, and has today evolved into a brand with global reach extending its innovative services to include products which cut across virtually all aspects of the e-payment space; ATM, Internet, POS, and Mobile.

5. GTPay

GTPay 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). The payment solution provides a convenient alternative payment channel to all customers.
Ensures transaction amount is deducted from cards instantly and merchant’s account credited within 24 hours
GTPay is a product of GTBank

6. VoguePay

VoguePay is a unique online payment processor whose vision is to offer buyers and sellers a secure and easy-to-use means of transacting business online. VoguePay allows site owners to receive payment for their goods and services on their website without any setup fee.
Internet business owners can make and receive online payments from anyone with debit and credit cards whether they have VoguePay account or not.

7. SimplePay

SimplePayTM 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. SimplePay for merchants is ideally suited for small businesses, online merchants, individuals, and others currently underserved by traditional payment systems.
SimplePayTM was Founded 2013. Started operations in 2014 in Abuja, Nigeria.

8. CashEnvoy is a web application that aids the transfer of money from person-to-merchant using the web application and personal email addresses. The service allows account owners to send money without sharing financial information, with the flexibility of payment using their bank accounts and debit cards. It is safe because account holders will not have to expose account details on the numerous websites they do business on.

9. GlobalPay

GlobalPAY is a web-based payment gateway that enables merchants with functional websites accept card payments from customers worldwide. With a one-time integration, merchants can receive payments from a wide variety of locally and internationally issued debit, credit and prepaid cards. GlobalPAY accepts MasterCard, Visa, Verve and Etranzact cards. GlobalPay is a product of Zenith Bank

10. UBA UCollect

U-Collect is a solution which allows merchants to accept card payments from customers who desire to do online purchases using their various cards. It is a gateway that connects merchants, cardholders, and financial institutions, offering the assurance of secure transactions and timely payments. U-Collect is a Consolidated Internet Payment Gateway Solution which integrates multiple payment solutions available in Nigeria – VISA, Verve, MasterCard and e-Tranzact. UBA UCollect is a product of UBA.

Other Mentions:


SwitchtellerPay is a brand of Emrinet Mobile LTD. Their e-payment portal provides other payment services solution for Bill payment (pay TV, utility bills, etc.) Bulk messaging. Money receiving and Transfer is instant and real time, top up of airtime of all networks.
Switchtellerpay payment gateway reduces risk, low transaction cost, streamlines business processes, and tries to centralize financial controls, and secures payment transactions using state – of – the art technology solution.


FirstPayLink is a multi-platform Internet payment gateway, that integrates to merchant websites to allow Internet payments using InterSwitch, eTranzact, Visa and MasterCard cards. FirstPayLink is a product of First Bank.