3 Best APIs with card in Nigeria

We've analyzed and compared the top 3 API providers supporting card 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 card

Compare	Paystack API	Squad	Interswitch
Pricing	No monthly fees. 1.5% per transaction (local), capped at ₦2,000. International cards: 3.9% + ₦100	Free setup + 1.5% per card/USSD (zero fees on bank transfers)	NGN 150,000 one-time setup fee; 1.5% per local transaction (capped NGN 2,000); 3.8% per international transaction
Card Payments	Yes	Yes	No
Bank Transfer	Yes	No	No
USSD Payments	Yes	Yes	Yes
Mobile Money	Yes	No	No
Recurring Billing	Yes	No	No
Refunds	Yes	No	No
Split Payments	Yes	No	No
Bulk Transfers	Yes	No	No
Payment Links	Yes	Yes	No
Webhooks	Yes	No	No
Multi-currency	Yes	No	No
Sandbox Environment	Yes	No	No
Virtual Accounts	Yes	No	No
Direct Debit	Yes	No	No
Bill Payments	Yes	No	No
QR Code Payments	Yes	No	No
Fraud Detection	Yes	No	No
Transaction Monitoring	Yes	No	No
SDK Support	Yes	No	No
Transaction History	Yes	No	No
Compliance	Yes	No	No
Batch Processing	Yes	No	No
Real-time Data	Yes	No	No
Data Export	Yes	No	No
Virtual Account Collections	No	Yes	No
Bank Transfer Payments	No	Yes	No
GTBank Direct Debit	No	Yes	No
Merchant Mobile POS App	No	Yes	No
Outbound Transfers	No	Yes	No
Transaction Splitting	No	No	No
Verve, Visa, Mastercard, Amex	No	No	Yes
3D Secure Card Authentication	No	No	Yes
Split Payments & Revenue Allocation	No	No	Yes
Bank Transfer Collections	No	No	Yes
BVN & Identity Verification	No	No	Yes
Real-time Dashboard	No	No	Yes
International Card Processing	No	No	Yes
Multi-currency Settlement	No	No	Yes
	View Details	View Details	View Details

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3 Best APIs with card in Nigeria

All APIs with card

Paystack API

Squad

Interswitch