7 Best APIs with Direct Debit in Nigeria

We've analyzed and compared the top 7 API providers supporting Direct Debit 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 Direct Debit

Compare
Remita
Mono Connect
Anchor API
Paystack API
Flutterwave API
SPay Business Solutions
Mono
PricingNGN 4,000 setup + 1% per local transaction (4% international)Free tier + usage-based billing for productionSubscription-based SaaS; pricing varies by feature tierNo monthly fees. 1.5% per transaction (local), capped at ₦2,000. International cards: 3.9% + ₦1001.4% per local transaction, 3.8% international. No setup fees. Volume discounts available.Transaction-based fees (exact rates not publicly listed). Contact SPay for current pricing. No setup fees for basic plan.Pay-per-use model. Pricing based on number of connected accounts and API calls.
Card Payments (Debit & Credit)
Yes
No
No
No
No
No
No
USSD Payments
Yes
No
No
Yes
Yes
No
No
Bank Transfer (Internet Banking)
Yes
No
No
No
No
No
No
POS Terminal Payments
Yes
No
No
No
No
No
No
Direct Debit
Yes
No
Yes
Yes
Yes
Yes
Yes
Bulk Transfers
Yes
No
No
Yes
Yes
No
No
Bulk Payouts
Yes
No
No
No
No
No
No
TSA Integration
Yes
No
No
No
No
No
No
Recurring Billing
Yes
No
Yes
Yes
Yes
No
No
Multi-currency
No
No
No
Yes
Yes
No
No
Payment Links
Yes
No
No
Yes
Yes
Yes
No
Bill Payments
Yes
No
No
Yes
Yes
No
No
Account Linking
No
Yes
No
No
No
No
No
Balance Inquiry
No
Yes
No
No
No
No
No
Transaction History
No
Yes
No
Yes
Yes
No
Yes
Account Identity
No
Yes
No
No
No
No
No
BVN Verification
No
Yes
No
No
No
No
No
Real-time Sync
No
Yes
No
No
No
No
No
Webhook Notifications
No
Yes
No
No
No
No
No
Mobile SDK
No
Yes
No
No
No
No
No
International Accounts
No
No
No
No
No
No
No
Credit Score Data
No
No
No
No
No
No
No
Bank Account Linking
No
Yes
No
No
No
No
Yes
Virtual Accounts
No
No
Yes
Yes
Yes
No
No
Card Payments
No
No
Yes
Yes
Yes
No
No
Bank Transfer
No
No
No
Yes
Yes
No
No
Mobile Money
No
No
No
Yes
No
No
No
Refunds
No
No
No
Yes
No
No
No
Split Payments
No
No
No
Yes
Yes
No
No
Webhooks
No
No
No
Yes
Yes
No
Yes
Sandbox Environment
No
No
No
Yes
Yes
No
Yes
QR Code Payments
No
No
No
Yes
Yes
No
No
Fraud Detection
No
No
No
Yes
Yes
No
No
Transaction Monitoring
No
No
No
Yes
Yes
No
No
SDK Support
No
No
No
Yes
Yes
No
No
Compliance
No
No
No
Yes
Yes
No
No
Batch Processing
No
No
No
Yes
Yes
No
No
Real-time Data
No
No
No
Yes
Yes
No
No
Data Export
No
No
No
Yes
Yes
No
No
USSD
No
No
No
No
Yes
No
No
Mobile Money (M-Pesa etc)
No
No
No
No
Yes
No
No
FX Conversion
No
No
No
No
Yes
No
No
Online Checkout
No
No
No
No
No
Yes
No
Invoice Automation
No
No
No
No
No
Yes
No
Mobile App
No
No
No
No
No
Yes
No
Identity Data
No
No
No
No
No
No
Yes
Income Verification
No
No
No
No
No
No
Yes
Statements PDF
No
No
No
No
No
No
Yes
50+ Banks
No
No
No
No
No
No
Yes
Credit Scoring Data
No
No
No
No
No
No
Yes
View Details View Details View Details View Details View Details View Details View Details
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Remita

Remita

++++
Mono Connect

Mono Connect

++++
Anchor API

Anchor API

++++
Paystack API

Paystack API

++++
Flutterwave API

Flutterwave API

++++
SPay Business Solutions

SPay Business Solutions

++++
Mono

Mono