18 Best APIs with cross-border in Nigeria

We've analyzed and compared the top 18 API providers supporting cross-border 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 cross-border

Compare	Unlimint (formerly Cardpay)	Nomba Global Payout API	Wise Platform API	Payoneer Payout API	AZA Finance API	Flutterwave Transfer API	Airwallex Payout API	Grey Finance API	Elipa	Thunes Payout API	Kora Payments API	Fincra	Nium Payout API	Rapyd Payout API	Flutterwave API	Ceviant Payments	Payaza API	Breet API
Pricing	Competitive global rates based on payment method and corridor (request pricing for specific needs)	paid	paid	paid	paid	paid	paid	freemium	Usage-based pricing based on payout destination and method (request pricing for specific corridors)	paid	Free setup + 1.5% per local transaction (cards, bank, USSD, mobile money)	Varies by payment channel (domestic, international, remittance). Request pricing from sales team.	paid	paid	1.4% per local transaction, 3.8% international. No setup fees. Volume discounts available.	Custom enterprise pricing based on volume. Contact sales.	Transaction-based fees; pricing varies by service	Free to integrate. Breet charges a small percentage fee on each conversion transaction.
Global Payment Acceptance (1,000+ methods)	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Multi-currency Processing	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No
International Card Processing	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Digital Wallet Payments	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Mobile Money Integration	Yes	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No
Bank Transfer Processing	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Global Payouts	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Cross-border Settlement	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	No	No	No	No
Transaction Monitoring & Fraud Detection	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Multi-currency Accounts	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Multi-currency	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	No	No	No
Bank Transfer	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	No	No	Yes	Yes	Yes	No	No	No
Bulk Payouts	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	No	No	No	No
Bank Transfer Payouts	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	No	Yes	Yes	No	No	No	No
API Access	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	No	No	Yes	Yes	No	No	No	No
Webhook Notifications	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	No	No	No	No
Bulk Transfers	No	No	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	No	Yes	Yes	Yes	Yes	No	No	No
Sandbox	No	No	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	No	No	Yes	Yes	No	No	No	No
Currency Conversion	No	No	Yes	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No
Cross-border Payouts	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No
Multi-currency Payouts	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No
Cash Pickup Services	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No
Real-time Payment Tracking	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No
Settlement Reports	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No
Pan-African Coverage	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No
Mobile Money	No	No	No	No	No	No	No	No	No	Yes	Yes	No	No	No	No	No	No	No
Pay-in Collections (Card, Bank, USSD)	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No
Bulk Payouts / Disbursement	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No
Virtual Accounts	No	No	No	No	No	No	No	No	No	No	Yes	Yes	No	No	Yes	No	No	No
Card Issuance	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No
Payment Links	No	No	No	No	No	No	No	No	No	No	Yes	Yes	No	No	Yes	No	No	No
WooCommerce Plugin	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No
Recurring Billing	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	Yes	No	No	No
Transaction Splitting	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Split Payments	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	Yes	No	No	No
Card Payments	No	No	No	No	No	No	No	No	No	No	Yes	Yes	No	No	Yes	No	No	No
USSD Payments	No	No	No	No	No	No	No	No	No	No	Yes	Yes	No	No	Yes	No	No	No
SDK Support	No	No	No	No	No	No	No	No	No	No	Yes	Yes	No	No	Yes	No	No	No
Transaction History	No	No	No	No	No	No	No	No	No	No	Yes	Yes	No	No	Yes	No	No	No
Pay-in Collections (Multiple Channels)	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No
Payouts & Disbursements	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No
International Card Acquiring	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No
Remittance Services	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No
Treasury & Digital Banking	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No
KYC & Identity Verification	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No
SWIFT & SEPA Rails	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No
Transaction Monitoring	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	Yes	No	No	No
Compliance	No	No	No	No	No	No	No	No	No	No	No	Yes	Yes	Yes	Yes	No	No	No
Batch Processing	No	No	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	No	No	No	Yes	No	No	No
Mobile Money (M-Pesa etc)	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
Webhooks	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
Sandbox Environment	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
FX Conversion	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
Direct Debit	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
Bill Payments	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
QR Code Payments	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
Fraud Detection	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
Real-time Data	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
Data Export	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
Virtual Account API	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No
Payment & Transfer API	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No
Treasury Management	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No
FX Solutions	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No
Cash Management	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No
USDT Payments	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes
Naira Conversion	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes
Business Payments	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes
On-ramping	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes
Nigeria	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes
Fast Settlement	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes
Low Fees	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes
Easy API	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes
Support	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes
Compliant	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes
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