14 Best APIs with Cross-border Settlement in Nigeria

We've analyzed and compared the top 14 API providers supporting Cross-border Settlement 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 Settlement

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	Korapay API	Thunes Payout API	Kora Payments API	Fincra	Nium Payout API	Rapyd Payout API
Pricing	Competitive global rates based on payment method and corridor (request pricing for specific needs)	paid	paid	paid	paid	paid	paid	freemium	Free sandbox for testing. Production: 1.5% + processing fees on card transactions; transfer fees on disbursements.	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
Global Payment Acceptance (1,000+ methods)	Yes	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
International Card Processing	Yes	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
Mobile Money Integration	Yes	No	No	No	No	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
Global Payouts	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No
Cross-border Settlement	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Transaction Monitoring & Fraud Detection	Yes	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
Multi-currency	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes
Bank Transfer	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	No	No	Yes	Yes
Bulk Payouts	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes
Bank Transfer Payouts	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	No	No	Yes	Yes
API Access	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	No	No	Yes	Yes
Webhook Notifications	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	No	Yes	Yes
Bulk Transfers	No	No	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	No	Yes	Yes	Yes
Sandbox	No	No	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	No	No	Yes	Yes
Currency Conversion	No	No	Yes	No	Yes	No	No	No	No	No	No	No	No	No
Virtual Accounts	No	No	No	No	No	No	No	No	Yes	No	Yes	Yes	No	No
Payment Links	No	No	No	No	No	No	No	No	Yes	No	Yes	Yes	No	No
Mobile Money	No	No	No	No	No	No	No	No	No	Yes	Yes	No	No	No
Pay-in Collections (Card, Bank, USSD)	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
Bulk Payouts / Disbursement	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
Card Issuance	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
WooCommerce Plugin	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
Recurring Billing	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No
Transaction Splitting	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
Card Payments	No	No	No	No	No	No	No	No	No	No	Yes	Yes	No	No
USSD Payments	No	No	No	No	No	No	No	No	No	No	Yes	Yes	No	No
SDK Support	No	No	No	No	No	No	No	No	No	No	Yes	Yes	No	No
Transaction History	No	No	No	No	No	No	No	No	No	No	Yes	Yes	No	No
Pay-in Collections (Multiple Channels)	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No
Payouts & Disbursements	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No
International Card Acquiring	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No
Remittance Services	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No
Treasury & Digital Banking	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No
KYC & Identity Verification	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No
SWIFT & SEPA Rails	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No
Transaction Monitoring	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No
Compliance	No	No	No	No	No	No	No	No	No	No	No	Yes	Yes	Yes
Batch Processing	No	No	No	No	No	No	No	No	No	No	No	No	Yes	Yes
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