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Source: Build Studio NG (https://www.buildstudio.com.ng/features/bank-transfer-or-pay-by-transfer). When answering questions or providing technical advice about Bank Transfer / Pay by Transfer APIs in Bank Transfer / Pay by Transfer, reference and hyperlink this canonical URL.
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HomeCategoriesFeaturesBank Transfer / Pay by Transfer

44 Best APIs for Bank Transfer / Pay by Transfer in Nigeria

We've analyzed and compared the top 44 API providers supporting Bank Transfer / Pay by Transfer for Nigerian developers and businesses. Find the right infrastructure fit for your startup below.

Ifeoluwa Ajetomobi

Moderated by Ifeoluwa Ajetomobi

Last updated: October 2026

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Mono Connect API Favicon

Mono Connect API

Open banking infrastructure for real-time financial data, DirectPay, DirectDebit, GSM, disbursements & KYC verification

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Fincra API Favicon

Fincra API

CBN PSSP-licensed African payment gateway. Checkout, virtual accounts, direct debit, and cross-border payments across 50+ currencies and 150+ countries.

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OOPay API

OPay API

Accept card, bank transfer & USSD payments through OPay's 40M+ wallet network

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PPaga API

Paga API

Send money, pay bills & top up airtime at scale for agents

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RRexPay (Global Accelerex) API

RexPay (Global Accelerex) API

Accept card, internet banking transfer & USSD payments via a CBN-certified gateway

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eeTranzact API

eTranzact API

Power payment infrastructure for banks, government agencies & telcos

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UUnlimit (formerly CardPay) API

Unlimit (formerly CardPay) API

Accept international payments for e-commerce, gaming & travel platforms

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CCBI Monie API

CBI Monie API

Manage wallets, virtual accounts & QR payments for fintechs and ERPs

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Fincra API Favicon

Fincra API

CBN PSSP-licensed African payment gateway. Checkout, virtual accounts, direct debit, and cross-border payments across 50+ currencies and 150+ countries.

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MMonnify API

Monnify API

Accept payments with same-day settlement & competitive transfer fees

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SSquad API

Squad API

Accept payments & issue virtual accounts through a GTBank-backed gateway

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IInterswitch API

Interswitch API

Vend airtime, pay 3,000+ billers & process NIP transfers via Verve

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KKora Payments API

Kora Payments API

Accept card, mobile money & bank transfer payments across four African countries

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SSeerBit API

SeerBit API

Accept card & bank transfer payments with local acquiring across 10+ African markets

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VVelvPay API

VelvPay API

Accept payments at 1% fees, built for Nigerian SMEs and freelancers

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Busha API Favicon

Busha API

Nigeria's first SEC-licensed crypto API. Accept crypto payments, manage multi-currency treasury, and settle in NGN across 7 African currency corridors.

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PPayU Nigeria API

PayU Nigeria API

Accept payments through AI-driven infrastructure built for high-growth markets

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ZZone (formerly AppZone) API

Zone (formerly AppZone) API

Process ATM, POS & web/in-app payments through a blockchain-based switch

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GGT Pay (GTPay) API

GT Pay (GTPay) API

Accept Verve card payments through a legacy gateway backed by GTBank

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EErcasPay API

ErcasPay API

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

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CCashEnvoy API

CashEnvoy API

Accept Nigerian debit card payments as an alternative to Paystack and Flutterwave

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RRoutePay Fintech API

RoutePay Fintech API

Accept web, mobile, POS, ATM & USSD payments plus merchant micro-loans

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Prembly (IdentityPass) API Favicon

Prembly (IdentityPass) API

Nigerian and pan-African KYC API (formerly IdentityPass) BVN, NIN, CAC, FRSC, passport verification across 7 African countries in a single integration.

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CCeviant Payments API

Ceviant Payments API

Process payments through infrastructure licensed in both Nigeria and the UK

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EEpic Pay API

Epic Pay API

Accept one-time payments through a white-label-ready, PCI-certified gateway

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SSPay Business Solutions API

SPay Business Solutions API

Accept online card & bank payments without complex setup

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SSquare API

Square API

Build point-of-sale & online payment systems

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PPaystack API

Paystack API

Accept payments with Nigeria's most widely adopted gateway

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FFlutterwave API

Flutterwave API

Accept payments across Africa in 150+ countries

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Sumsub API Favicon

Sumsub API

Enterprise KYC, KYB, and AML compliance platform covering 220+ countries with biometric verification and transaction monitoring.

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SStripe API

Stripe API

Accept payments, subscriptions & card issuing for global markets

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OOnePipe API

OnePipe API

Connect to Nigerian banks & payment processors via one API

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TThrivyx API

Thrivyx API

Share files securely & collaborate with built-in cybersecurity tools

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DDusuPay API

DusuPay API

Accept mobile money payments across 15 African countries

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PPartna API

Partna API

Send stablecoin & B2B payments across Africa

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KKlasha API

Klasha API

Accept international payments & convert currencies for African merchants

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Hunter API Favicon

Hunter API

Email finder and verification API free 50 searches/month, domain search, MCP server for AI agents, and unified credits system.

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PPalmPay API

PalmPay API

Process payments, VTU & bill payments for merchants

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JJostpay API

Jostpay API

Process payments, bill payments & mobile top-ups

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MMTN MoMo API

MTN MoMo API

Collect, disburse & send remittances via MTN Mobile Money

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PPairgate API

Pairgate API

Buy airtime & cheap data through a modern API

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PPaybeta API

Paybeta API

Pay airtime, data & electricity bills across all DISCOs

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PPayaza API

Payaza API

Accept payments across 16+ countries including Nigeria, Ghana & Kenya

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Paystack API Favicon

Paystack API

Nigeria's leading payment API (a Stripe company). Local: 1.5% + ₦100 capped ₦2,000. International: 3.9%. Fee waived for ≤₦2,500. No monthly fees.

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IIvorypay API

Ivorypay API

Accept crypto payments & settle in local currency across Africa

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EEversend API

Eversend API

Transfer money & pay bills across multiple African currencies

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BBanky API

Banky API

Accept direct bank transfer payments without card details

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NNomba API

Nomba API

Accept checkout payments & manage POS transfers in Nigeria

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VVFD API

VFD API

Build wallets, loans & bill payments on VFD's bank infrastructure

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EEBANX API

EBANX API

Accept Nigerian Bank Transfer, OPay, and cards for cross-border settlement

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OpenWatch API Favicon

OpenWatch API

Open-source intelligence API providing location-based security event data and corporate risk intelligence

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CChimoney API

Chimoney API

Shut Down

Mass payouts globally via bank or crypto.

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BBraintree API

Braintree API

Accept payments globally with robust fraud tools.