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HomeCategoriesPayment Gateways & ProcessorsComparisonsGT Pay (GTPay) API vs ErcasPay API
Back to GT Pay (GTPay) API Alternatives

GT Pay (GTPay) API vs ErcasPay API Comparison: Discover the best for Payment Gateways & Processors in Nigeria

Detailed technical benchmark and comparison between GT Pay (GTPay) API and ErcasPay API. Analyze pricing structures, verified webhooks, sandbox testing, authentication, and compliance for teams building in Nigeria.

VS
GGT Pay (GTPay) API

GT Pay (GTPay) API

Accept Verve card payments through a legacy gateway backed by GTBank

Learn More
EErcasPay API

ErcasPay API

Accept NGN, USD, GBP, EUR & more through one payment gateway

Learn More

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.

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.

GT Pay (GTPay) API VS ErcasPay API Key Highlights

Highlight
GGT Pay (GTPay) API
GT Pay (GTPay) API
EErcasPay API
ErcasPay API
AuthenticationMerchant ID + Hash Key (obtained from GTBank branch)Bearer Token (Secret Key from ErcasPay Dashboard, prefix: ECRS-TEST-SK for test)
Rate LimitNot publicly specifiedNot publicly specified
Sandbox Mode✓ Available✓ Available
Webhooks✗ Not supported✗ Not supported
API Services
Card Payments (Visa / Mastercard / Verve)Bank Transfer / Pay by TransferUSSD PaymentsInternational / Multi-Currency Payments
Card Payments (Visa / Mastercard / Verve)Bank Transfer / Pay by TransferUSSD PaymentsVirtual Account Numbers
Supported Regions
NigeriaNigeriaGhanaGhanaKenyaKenya
NigeriaNigeriaGhanaGhanaKenyaKenya

Pricing & Fee Structure

Fee Component
GGT Pay (GTPay) API
GT Pay (GTPay) API
EErcasPay API
ErcasPay API
Local Transactions / CardsLocal card transactions:1.5% capped at ₦2,000Local transactions (cards, bank transfer, QR, USSD): 1.4% capped at ₦2,000
International / FX CardsContact provider
  • International cards:4.8% per transaction
  • 10% rolling reserve on international card transactions held 180 days (refundable if no chargebacks)
Setup & Monthly FeesContact providerNo monthly fee
Rates & Additional Terms
  • Contact GTBank for full fee schedule
  • Merchant ID registration required at any GTBank branch
Standard tier rates apply

GT Pay (GTPay) API & ErcasPay API Feature by Feature Comparison

Feature / Capability
GGT Pay (GTPay) API
GT Pay (GTPay) API
EErcasPay API
ErcasPay API
Card Payments (Verve/Visa/Mastercard)✓✓
Bank Transfer / Pay by Transfer✓✓
USSD Payments✓✓
Virtual Accounts✗✓
International / Multi-Currency Payments✓✓
Recurring Billing / Subscriptions✓✓
Payment Links & Hosted Checkout✓✓
Webhooks & Event Notifications✗✗
Sandbox Testing Environment✓✓
API Key / Token Authentication✓✓

Frequently Asked Questions

Which is better between GT Pay (GTPay) API and ErcasPay API in Nigeria?
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.. Meanwhile, 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.. Your choice should align with whether your team prioritizes GT Pay (GTPay) API's developer ecosystem or ErcasPay API's specific capability set.
Does GT Pay (GTPay) API or ErcasPay API support webhooks and sandbox testing?
GT Pay (GTPay) API provides a dedicated sandbox testing environment and has webhook status unverified. ErcasPay API offers sandbox testing and has webhook status unverified.
What are the fees and pricing models for GT Pay (GTPay) API vs ErcasPay API?
GT Pay (GTPay) API pricing: Local card transactions: 1.5% capped at ₦2,000. Contact GTBank for full fee schedule. Merchant ID registration required at any GTBank branch.. ErcasPay API pricing: Local transactions (cards, bank transfer, QR, USSD): 1.4% capped at ₦2,000. International cards: 4.8% per transaction. 10% rolling reserve on international card transactions held 180 days (refundable if no chargebacks). No monthly fee.. Both platforms offer tailored pricing structures for Nigerian transactions.
What authentication methods do GT Pay (GTPay) API and ErcasPay API use?
GT Pay (GTPay) API uses Merchant ID + Hash Key (obtained from GTBank branch) authentication with Not publicly specified. ErcasPay API uses Bearer Token (Secret Key from ErcasPay Dashboard, prefix: ECRS-TEST-SK for test) authentication with Not publicly specified.

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