16 Best APIs with Card Payments in Nigeria

We've analyzed and compared the top 16 API providers supporting Card 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 Card Payments

Compare	RexPay (Global Accelerex)	Square API	Kora Payments API	Fincra	Paga	Onafriq (Baxi)	Anchor API	Monnify	VelvPay	AlatPay	Paystack API	Flutterwave API	Stripe	RoutePay Fintech	Squad	Nomba API
Pricing	Competitive merchant rates with transparent fee structure (exact pricing varies by use case)	2.6% + 10¢ in-person, 2.9% + 30¢ online. No monthly fees on basic plan.	Free setup + 1.5% per local transaction (cards, bank, USSD, mobile money)	Varies by payment channel (domestic, international, remittance). Request pricing from sales team.	Variable based on transaction type (wallet transfers, collections, payouts)	Usage-based pricing for collections, payouts, and bills payment (request pricing for specific needs)	Subscription-based SaaS; pricing varies by feature tier	Free setup; 1% per card transaction (capped NGN 2,000); 0.5% per bank transfer (capped NGN 500); no monthly fees	Competitive rates for SMEs (exact pricing not publicly listed, contact sales)	Competitive rates for small businesses (exact pricing available upon request)	No monthly fees. 1.5% per transaction (local), capped at ₦2,000. International cards: 3.9% + ₦100	1.4% per local transaction, 3.8% international. No setup fees. Volume discounts available.	2.9% + $0.30 per successful card charge. Additional fees for international cards, currency conversion, and advanced features.	Transaction-based pricing (contact for specific rates based on payment method)	Free setup + 1.5% per card/USSD (zero fees on bank transfers)	Free for basic features; paid plans for advanced features
Online Payment Gateway (RexPay)	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No
POS Terminal Solutions (Accelerex)	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Mobile POS App (RexRetail)	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Card Payments	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Bank Transfer Payments	Yes	No	No	No	No	No	No	No	Yes	Yes	No	No	No	No	Yes	No
USSD Payments	Yes	No	Yes	Yes	No	No	No	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	No
QR Code Payments	Yes	No	No	No	Yes	No	No	Yes	No	No	Yes	Yes	No	No	No	No
Payment Links	Yes	No	Yes	Yes	No	Yes	No	Yes	Yes	Yes	Yes	Yes	No	No	Yes	Yes
Bulk Payouts	Yes	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No
Real-time Reporting Dashboard	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No
In-person POS	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Invoicing	No	Yes	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
Inventory Management	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Subscriptions	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Loyalty Programs	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Employee Management	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Webhooks	No	Yes	No	No	No	No	No	No	No	No	Yes	Yes	Yes	No	No	No
Sandbox Environment	No	Yes	No	No	No	No	No	No	No	No	Yes	Yes	Yes	No	No	No
NGN Support	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Pay-in Collections (Card, Bank, USSD)	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No
Bulk Payouts / Disbursement	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No
Virtual Accounts	No	No	Yes	Yes	No	No	Yes	Yes	No	No	Yes	Yes	No	No	No	Yes
Cross-border Settlement	No	No	Yes	Yes	No	No	No	No	No	No	No	No	No	No	No	No
Multi-currency	No	No	Yes	Yes	No	No	No	No	No	No	Yes	Yes	Yes	No	No	No
Card Issuance	No	No	Yes	No	No	Yes	No	No	No	No	No	No	No	No	No	No
Webhook Notifications	No	No	Yes	No	Yes	Yes	No	No	No	No	No	No	No	No	No	No
WooCommerce Plugin	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No
Recurring Billing	No	No	No	Yes	No	Yes	Yes	Yes	Yes	No	Yes	Yes	No	No	No	No
Transaction Splitting	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Split Payments	No	No	Yes	No	No	Yes	No	Yes	No	No	Yes	Yes	No	No	No	No
Mobile Money	No	No	Yes	No	No	No	No	No	No	No	Yes	No	No	No	No	Yes
SDK Support	No	No	Yes	Yes	No	No	No	No	No	No	Yes	Yes	Yes	No	No	No
Transaction History	No	No	Yes	Yes	No	No	No	No	No	No	Yes	Yes	Yes	No	No	No
Pay-in Collections (Multiple Channels)	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No
Payouts & Disbursements	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No
International Card Acquiring	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No
Remittance Services	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No
Treasury & Digital Banking	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No
KYC & Identity Verification	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No
SWIFT & SEPA Rails	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No
Bulk Transfers	No	No	No	Yes	No	No	No	No	No	No	Yes	Yes	No	No	No	No
Transaction Monitoring	No	No	No	Yes	No	No	No	No	No	No	Yes	Yes	Yes	No	No	No
Compliance	No	No	No	Yes	No	No	No	No	No	No	Yes	Yes	Yes	No	No	No
Consumer Wallet	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No
USSD-based Access (any phone)	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No
Agent Network (Cash In/Out)	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No
Wallet-to-Wallet Transfers	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No
Enterprise Collections API	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No
Enterprise Payouts API	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No
Payment Links (JustPaga.Me)	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No
Bank Account Transfers	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No
Bill Payments	No	No	No	No	Yes	No	No	No	No	No	Yes	Yes	No	Yes	No	No
Collections (Multiple Channels)	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No
Payouts (Wallets & Bank Accounts)	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No
Bill Payments (248+ Billers)	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No
Agent Network (Baxi - 460k agents)	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No
Card Processing	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No
Airtime & Data Vending	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No
Real-time Settlement	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No
Pan-African Coverage	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No
Direct Debit	No	No	No	No	No	No	Yes	No	No	No	Yes	Yes	No	No	No	No
Bank Transfers	No	No	No	No	No	No	No	Yes	No	No	No	No	No	Yes	No	No
Recurring Payments	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No
Wallet Solutions	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Merchant Dashboard	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No
API Documentation	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No
Mobile SDK	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No
Point-of-Sale	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No
Invoice Management	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No
Web Checkout Integration	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No
Mobile Integration	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No
POS/In-person Payments	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No
Reporting & Analytics	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No
Quick Settlement	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No
Business Dashboard	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No
API Integration	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No
Mobile App	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No
Bank Transfer	No	No	No	No	No	No	No	No	No	No	Yes	Yes	No	No	No	No
Refunds	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No
Fraud Detection	No	No	No	No	No	No	No	No	No	No	Yes	Yes	No	No	No	No
Batch Processing	No	No	No	No	No	No	No	No	No	No	Yes	Yes	Yes	No	No	No
Real-time Data	No	No	No	No	No	No	No	No	No	No	Yes	Yes	Yes	No	No	No
Data Export	No	No	No	No	No	No	No	No	No	No	Yes	Yes	Yes	No	No	No
USSD	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No
Mobile Money (M-Pesa etc)	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No
FX Conversion	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No
Bank Debit (ACH)	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
Buy Now Pay Later	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
Recurring Subscriptions	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
Marketplace Payouts (Connect)	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
Fraud Detection (Radar)	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
Terminal (In-person)	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
Nigerian Naira (NGN)	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Web Payments	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No
Mobile App Payments	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No
POS Terminal Payments	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No
ATM Transactions	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No
Credit Facilities (MFB)	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No
BVN Verification	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No
Virtual Account Collections	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No
GTBank Direct Debit	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No
Merchant Mobile POS App	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No
Outbound Transfers	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No
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