3 Best APIs with Card Payments (Debit & Credit) in Nigeria
We've analyzed and compared the top 3 API providers supporting Card Payments (Debit & Credit) 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 (Debit & Credit)
| Compare | |||
|---|---|---|---|
| Pricing | Competitive per-transaction fees with transparent pricing (contact for specific rates) | NGN 4,000 setup + 1% per local transaction (4% international) | Free setup + 1.5% per local transaction (capped at NGN 2,000) |
| Virtual Account Collections | Yes | No | Yes |
| Payouts & Disbursements | Yes | No | No |
| Card Payments (Debit & Credit) | Yes | Yes | Yes |
| Bank Transfer Payments | Yes | No | Yes |
| Direct Debit / Recurring Payments | Yes | No | No |
| Payment Links | Yes | Yes | No |
| International Payments | Yes | No | No |
| API & SDK Integration | Yes | No | No |
| E-commerce Plugin Integration | Yes | No | No |
| Fraud Detection & Prevention | Yes | No | No |
| USSD Payments | No | Yes | Yes |
| Bank Transfer (Internet Banking) | No | Yes | No |
| POS Terminal Payments | No | Yes | No |
| Direct Debit | No | Yes | No |
| Bulk Transfers | No | Yes | No |
| Bulk Payouts | No | Yes | No |
| TSA Integration | No | Yes | No |
| Recurring Billing | No | Yes | No |
| Multi-currency | No | No | No |
| Bill Payments | No | Yes | No |
| QR Code Payments | No | No | Yes |
| Mobile Money | No | No | Yes |
| Multi-currency (13 currencies) | No | No | Yes |
| White-label Infrastructure | No | No | Yes |
| International Card Processing | No | No | Yes |
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