8 Best APIs with Bill Payments in Nigeria

We've analyzed and compared the top 8 API providers supporting Bill Payments for Nigerian developers and businesses. Find the right infrastructure fit for your startup below.

Written by Editorial Staffs as at 12th June, 2026

All APIs with Bill Payments

Compare
Remita
Paga
MTN MoMo API
Paystack API
Flutterwave API
RoutePay Fintech
Epic Pay
Kuda Bank API
PricingNGN 4,000 setup + 1% per local transaction (4% international)Variable based on transaction type (wallet transfers, collections, payouts)Transaction-based fees; pricing varies by service type (collections, disbursements, remittances)No monthly fees. 1.5% per transaction (local), capped at ₦2,000. International cards: 3.9% + ₦1001.4% per local transaction, 3.8% international. No setup fees. Volume discounts available.Transaction-based pricing (contact for specific rates based on payment method)Transaction-based fees. Contact for specific rates.Freemium. Transaction fees apply. Contact for developer access.
Card Payments (Debit & Credit)
Yes
No
No
No
No
No
No
No
USSD Payments
Yes
No
Yes
Yes
Yes
Yes
No
No
Bank Transfer (Internet Banking)
Yes
No
No
No
No
No
No
No
POS Terminal Payments
Yes
No
No
No
No
Yes
No
No
Direct Debit
Yes
No
No
Yes
Yes
No
No
No
Bulk Transfers
Yes
No
No
Yes
Yes
No
No
No
Bulk Payouts
Yes
No
No
No
No
No
No
No
TSA Integration
Yes
No
No
No
No
No
No
No
Recurring Billing
Yes
No
No
Yes
Yes
No
No
No
Multi-currency
No
No
No
Yes
Yes
No
No
No
Payment Links
Yes
No
No
Yes
Yes
No
No
No
Bill Payments
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Consumer Wallet
No
Yes
No
No
No
No
No
No
USSD-based Access (any phone)
No
Yes
No
No
No
No
No
No
Agent Network (Cash In/Out)
No
Yes
No
No
No
No
No
No
Wallet-to-Wallet Transfers
No
Yes
No
No
No
No
No
No
Enterprise Collections API
No
Yes
No
No
No
No
No
No
Enterprise Payouts API
No
Yes
No
No
No
No
No
No
Payment Links (JustPaga.Me)
No
Yes
No
No
No
No
No
No
Bank Account Transfers
No
Yes
No
No
No
No
No
No
Webhook Notifications
No
Yes
No
No
No
No
No
Yes
QR Code Payments
No
Yes
No
Yes
Yes
No
No
No
Card Payments
No
Yes
No
Yes
Yes
Yes
No
No
Mobile Money
No
No
Yes
Yes
No
No
No
No
Real-time Data
No
No
Yes
Yes
Yes
No
No
No
Bank Transfer
No
No
No
Yes
Yes
No
No
No
Refunds
No
No
No
Yes
No
No
No
No
Split Payments
No
No
No
Yes
Yes
No
No
No
Webhooks
No
No
No
Yes
Yes
No
No
No
Sandbox Environment
No
No
No
Yes
Yes
No
No
No
Virtual Accounts
No
No
No
Yes
Yes
No
No
Yes
Fraud Detection
No
No
No
Yes
Yes
No
No
No
Transaction Monitoring
No
No
No
Yes
Yes
No
No
No
SDK Support
No
No
No
Yes
Yes
No
No
No
Transaction History
No
No
No
Yes
Yes
No
No
No
Compliance
No
No
No
Yes
Yes
No
No
No
Batch Processing
No
No
No
Yes
Yes
No
No
No
Data Export
No
No
No
Yes
Yes
No
No
No
USSD
No
No
No
No
Yes
No
No
No
Mobile Money (M-Pesa etc)
No
No
No
No
Yes
No
No
No
FX Conversion
No
No
No
No
Yes
No
No
No
Web Payments
No
No
No
No
No
Yes
No
No
Mobile App Payments
No
No
No
No
No
Yes
No
No
ATM Transactions
No
No
No
No
No
Yes
No
No
Bank Transfers
No
No
No
No
No
Yes
No
No
Credit Facilities (MFB)
No
No
No
No
No
Yes
No
No
BVN Verification
No
No
No
No
No
Yes
No
No
Payment API
No
No
No
No
No
No
Yes
No
Reporting API
No
No
No
No
No
No
Yes
No
Money Transfers
No
No
No
No
No
No
Yes
No
Collections
No
No
No
No
No
No
Yes
No
Account Creation
No
No
No
No
No
No
No
Yes
Fund Transfer
No
No
No
No
No
No
No
Yes
Account Balance Query
No
No
No
No
No
No
No
Yes
Statement Retrieval
No
No
No
No
No
No
No
Yes
Airtime Purchase
No
No
No
No
No
No
No
Yes
View Details View Details View Details View Details View Details View Details View Details View Details
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Remita

Remita

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Paga

Paga

++++
MTN MoMo API

MTN MoMo API

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Paystack API

Paystack API

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Flutterwave API

Flutterwave API

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RoutePay Fintech

RoutePay Fintech

++++
Epic Pay

Epic Pay

++++
Kuda Bank API

Kuda Bank API