20 Best pawaPay API Alternatives & Competitors

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OPay API

OPay API is best for Nigerian businesses needing a payment gateway that also integrates deeply with OPay's 40M+ user wallet ecosystem accepting card, bank transfer, USSD, and OPay wallet QR payments in one checkout particularly for mass-market consumer apps, FMCG merchants, and businesses selling to OPay's large mobile money user base.

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Paga API

Paga API is best for Nigerian businesses and aggregators that need to send money, pay bills, and top up airtime at scale particularly agents, agent banking software providers, enterprise HR platforms, and mobile money aggregators wanting programmatic access to Paga's 20M+ user network.

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RexPay (Global Accelerex) API

RexPay (Global Accelerex) API is best for Nigerian businesses and developers needing a CBN-certified PSSP and PTSP payment gateway with card, internet banking transfer, and USSD backed by Global Accelerex, one of Nigeria's established e-payment infrastructure companies.

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eTranzact API

eTranzact API is best for large Nigerian enterprises, banks, financial institutions, government agencies, and telcos that need a proven, publicly-listed payment infrastructure partner for bill payments, virtual accounts, instant transfers, e-invoicing, and wallet-as-a-service.

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Unlimit (formerly CardPay) API

Unlimit (formerly CardPay) API is best for Nigerian and African businesses with international customer bases, global e-commerce merchants, gaming companies, travel platforms, and subscription services needing to accept 1,000+ payment methods across 150+ currencies with explicit support for Nigeria, Kenya, and Tanzania in Africa.

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CBI Monie API

CBI Monie API is best for Nigerian fintechs, ERP systems, government platforms, and agent network operators that need embedded payment infrastructure wallets, virtual accounts, QR codes, and merchant onboarding via a CBN-licensed, PCI-DSS certified API.

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Monnify API

Monnify API is best for Nigerian businesses, SaaS platforms, and fintechs that prioritize same-day settlement, competitive bank transfer fees, and a well-documented API from Moniepoint's CBN-licensed payment infrastructure.

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Squad API

Squad API is best for Nigerian developers and businesses that want a GTBank-backed payment gateway with lower fee caps than competitors gateway capped at ₦1,500, virtual accounts capped at ₦1,000 with full developer API, subscription billing, and BVN verification.

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Interswitch API

Interswitch API is best for Nigerian enterprises, banks, fintechs, and businesses needing access to Interswitch's 3,000+ biller network, airtime vending, NIP instant transfers, and the Verve card network backed by Nigeria's oldest and largest payment infrastructure company.

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Kora Payments API

Kora Payments API is best for Nigerian fintechs and pan-African businesses that need a single API covering card payments, mobile money, bank transfers, identity verification (BVN, NIN, CAC), and exchange rates with multi-country coverage including Nigeria, Ghana, Kenya, and South Africa.

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SeerBit API

SeerBit API is best for Nigerian businesses and African platforms needing a multi-country payment gateway with local acquiring in 10+ African markets accepting card, bank transfer, USSD, and mobile money across Nigeria and anglophone/francophone Africa in one integration.

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VelvPay API

VelvPay API is best for Nigerian SMEs, freelancers, service-based businesses, and startups that want a simple, affordable payment gateway with local customer support, 1% transaction fees, built-in invoicing, and multi-channel payment acceptance (web, mobile, and in-person).

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PayU Nigeria API

PayU Nigeria API is best for large e-commerce platforms, multinational corporations, and enterprises with international customer bases needing global payment infrastructure with AI-driven routing and local Nigerian payment method support

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Zone (formerly AppZone) API

Zone (formerly AppZone) API is best for Nigerian banks, fintechs, and infrastructure developers that need a CBN-licensed blockchain payment switch to process ATM withdrawals, POS, web/in-app payments, and cross-border remittances the only blockchain-powered payment switch licensed by the CBN in Africa.

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GT Pay (GTPay) API

GT Pay (GTPay) API is best for 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.

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ErcasPay API

ErcasPay API is best for Nigerian businesses that want to accept both local NGN payments and international payments in USD, GBP, EUR, CAD, and 4 more currencies through a single PSSP-licensed, PCI DSS-certified gateway with transparent flat-rate pricing.

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CashEnvoy API

CashEnvoy API is best for small Nigerian businesses and merchants looking for an alternative payment gateway to Paystack or Flutterwave for accepting Nigerian debit cards, Visa/Mastercard, and CashEnvoy wallet payments.

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RoutePay Fintech API

RoutePay Fintech API is best for Nigerian businesses needing an omnichannel CBN-licensed PSSP covering web, mobile, POS, ATM, and USSD payments plus access to merchant micro-loans through Routelink MFB for businesses that want embedded credit facilities alongside their payment infrastructure.

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Ceviant Payments API

Ceviant Payments API is best for enterprise businesses, fintechs, and financial institutions in Nigeria and the UK needing CBN PSSP-licensed and FCA-registered payment infrastructure with direct bank API connectivity in emerging markets.

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Epic Pay API

Epic Pay API is best for Nigerian businesses, fintechs, and developers that need a white-label-ready payment gateway with PCI DSS 4.0 certification, supporting one-time payments, recurring billing, tokenization, and agent boarding via a multi-API developer portal.