GT Pay (GTPay)
Payments · Banking & Fintech
GTPay is the online payment gateway from Guaranty Trust Bank (now Guaranty Trust Holding Company — GTCo), one of Nigeria's largest and most recognized tier-1 banks. GTPay enables Nigerian merchants to accept card payments online from customers using Interswitch (Verve), Visa, and Mastercard — both locally issued and international cards. The gateway is backed by GTBank's banking infrastructure and has been serving Nigerian e-commerce merchants since the early days of online payments in Nigeria.
Existing GTBank business customers and Nigerian e-commerce platforms that need a legacy payment gateway backed by Guaranty Trust Bank for accepting Verve, Visa, and Mastercard payments both locally and internationally.
GTPay is the legacy payment gateway from Guaranty Trust Bank (now GTCo). Merchants must register for a Merchant ID and Hash Key at a physical GTBank branch. Supports NGN (566) and USD (840). GTCo also launched Squad (squadco.com) as their modern payment platform — new integrations should consider Squad first.
Features Included
Not Supported
Key Highlights
- Backed by Guaranty Trust Bank (GTCo) — one of Nigeria's largest banks
- Accepts Interswitch, Visa, and Mastercard (local and international)
- Local fee: 1.5% capped at ₦2,000
- Supports NGN (566) and USD (840) currencies
- Online real-time transaction dashboard
- Registration at any GTBank branch nationwide
- Legacy gateway — modern alternative is Squad by GTCo
Required Access Documents
- GTBank Business AccountRequiredAn active GTBank business account is required. GTPay merchant registration is done at GTBank branches and is tied to a GTBank account.
- Merchant ID RegistrationRequiredPhysical registration at a GTBank branch nationwide to obtain a Merchant ID and Hash Key for API integration.
- CAC Registration CertificateRequiredCertificate of Incorporation or Business Name Registration — standard for GTBank business account opening.
- Director Government ID and BVNRequiredValid government-issued ID and BVN for directors — required for GTBank KYC compliance.
Use Cases
- Basic E-commerce Card Acceptance:Nigerian online stores with an existing GTBank business account can integrate GTPay to accept Verve, Visa, and Mastercard card payments directly from their website with a 1.5% fee capped at ₦2,000.
- International USD Payments:Nigerian businesses serving international customers can use GTPay to accept USD card payments (currency code 840) alongside NGN transactions through the same merchant account.
- WooCommerce Payment Gateway:Nigerian WordPress/WooCommerce store owners can use the GTPay WooCommerce plugin to add GTBank card payment as a checkout option for their customers.
- Legacy POS and Online Unification:Existing GTBank merchant terminal operators can use GTPay to extend their existing card acceptance agreement to online payments — using the same Merchant ID for both physical and digital transactions.
- Government and Institutional Collections:Nigerian government agencies with GTBank accounts can use GTPay to collect fees, levies, and service charges from citizens via online card payment portals.