11 Best APIs with mobile money in Nigeria

We've analyzed and compared the top 11 API providers supporting mobile money 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 mobile money

Compare
Flutterwave Transfer API
eTranzact
Elipa
Thunes Payout API
Kora Payments API
Paga
MTN MoMo API
Paystack API
Flutterwave API
SeerBit
Nomba API
PricingpaidEnterprise pricing based on integration scope and transaction volumesUsage-based pricing based on payout destination and method (request pricing for specific corridors)paidFree setup + 1.5% per local transaction (cards, bank, USSD, mobile money)Variable based on transaction type (wallet transfers, collections, payouts)Transaction-based fees; pricing varies by service type (collections, disbursements, remittances)No 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.Free setup + 1.5% per local transaction (capped at NGN 2,000)Free for basic features; paid plans for advanced features
Cross-border Settlement
Yes
No
No
Yes
Yes
No
No
No
No
No
No
Multi-currency
Yes
No
No
Yes
Yes
No
No
Yes
Yes
No
No
Bank Transfer
Yes
No
No
Yes
No
No
No
Yes
Yes
No
No
Bulk Transfers
Yes
No
No
Yes
No
No
No
Yes
Yes
No
No
Bulk Payouts
Yes
No
Yes
Yes
No
No
No
No
No
No
No
Webhook Notifications
Yes
Yes
Yes
Yes
Yes
Yes
No
No
No
No
No
Sandbox
Yes
No
No
Yes
No
No
No
No
No
No
No
API Access
Yes
No
No
Yes
No
No
No
No
No
No
No
Bank Transfer Payouts
Yes
No
Yes
Yes
No
No
No
No
No
No
No
Payment Switching (Core Infrastructure)
No
Yes
No
No
No
No
No
No
No
No
No
POS Payment Processing
No
Yes
No
No
No
No
No
No
No
No
No
Mobile Payment Processing
No
Yes
No
No
No
No
No
No
No
No
No
Online/Web Payment Processing
No
Yes
No
No
No
No
No
No
No
No
No
ATM Transaction Processing
No
Yes
No
No
No
No
No
No
No
No
No
Card Payment Processing
No
Yes
No
No
No
No
No
No
No
No
No
Transaction Monitoring & Fraud Detection
No
Yes
No
No
No
No
No
No
No
No
No
Chargeback Management
No
Yes
No
No
No
No
No
No
No
No
No
Comprehensive Reporting & Analytics
No
Yes
No
No
No
No
No
No
No
No
No
Cross-border Payouts
No
No
Yes
No
No
No
No
No
No
No
No
Multi-currency Payouts
No
No
Yes
No
No
No
No
No
No
No
No
Mobile Money Integration
No
No
Yes
No
No
No
No
No
No
No
No
Cash Pickup Services
No
No
Yes
No
No
No
No
No
No
No
No
Real-time Payment Tracking
No
No
Yes
No
No
No
No
No
No
No
No
Settlement Reports
No
No
Yes
No
No
No
No
No
No
No
No
Pan-African Coverage
No
No
Yes
No
No
No
No
No
No
No
No
Mobile Money
No
No
No
Yes
Yes
No
Yes
Yes
No
Yes
Yes
Pay-in Collections (Card, Bank, USSD)
No
No
No
No
Yes
No
No
No
No
No
No
Bulk Payouts / Disbursement
No
No
No
No
Yes
No
No
No
No
No
No
Virtual Accounts
No
No
No
No
Yes
No
No
Yes
Yes
No
Yes
Card Issuance
No
No
No
No
Yes
No
No
No
No
No
No
Payment Links
No
No
No
No
Yes
No
No
Yes
Yes
No
Yes
WooCommerce Plugin
No
No
No
No
Yes
No
No
No
No
No
No
Recurring Billing
No
No
No
No
No
No
No
Yes
Yes
No
No
Transaction Splitting
No
No
No
No
No
No
No
No
No
No
No
Split Payments
No
No
No
No
Yes
No
No
Yes
Yes
No
No
Card Payments
No
No
No
No
Yes
Yes
No
Yes
Yes
No
Yes
USSD Payments
No
No
No
No
Yes
No
Yes
Yes
Yes
Yes
No
SDK Support
No
No
No
No
Yes
No
No
Yes
Yes
No
No
Transaction History
No
No
No
No
Yes
No
No
Yes
Yes
No
No
Consumer Wallet
No
No
No
No
No
Yes
No
No
No
No
No
USSD-based Access (any phone)
No
No
No
No
No
Yes
No
No
No
No
No
Agent Network (Cash In/Out)
No
No
No
No
No
Yes
No
No
No
No
No
Wallet-to-Wallet Transfers
No
No
No
No
No
Yes
No
No
No
No
No
Enterprise Collections API
No
No
No
No
No
Yes
No
No
No
No
No
Enterprise Payouts API
No
No
No
No
No
Yes
No
No
No
No
No
Payment Links (JustPaga.Me)
No
No
No
No
No
Yes
No
No
No
No
No
Bank Account Transfers
No
No
No
No
No
Yes
No
No
No
No
No
Bill Payments
No
No
No
No
No
Yes
Yes
Yes
Yes
No
No
QR Code Payments
No
No
No
No
No
Yes
No
Yes
Yes
Yes
No
Real-time Data
No
No
No
No
No
No
Yes
Yes
Yes
No
No
Refunds
No
No
No
No
No
No
No
Yes
No
No
No
Webhooks
No
No
No
No
No
No
No
Yes
Yes
No
No
Sandbox Environment
No
No
No
No
No
No
No
Yes
Yes
No
No
Direct Debit
No
No
No
No
No
No
No
Yes
Yes
No
No
Fraud Detection
No
No
No
No
No
No
No
Yes
Yes
No
No
Transaction Monitoring
No
No
No
No
No
No
No
Yes
Yes
No
No
Compliance
No
No
No
No
No
No
No
Yes
Yes
No
No
Batch Processing
No
No
No
No
No
No
No
Yes
Yes
No
No
Data Export
No
No
No
No
No
No
No
Yes
Yes
No
No
USSD
No
No
No
No
No
No
No
No
Yes
No
No
Mobile Money (M-Pesa etc)
No
No
No
No
No
No
No
No
Yes
No
No
FX Conversion
No
No
No
No
No
No
No
No
Yes
No
No
Card Payments (Debit & Credit)
No
No
No
No
No
No
No
No
No
Yes
No
Bank Transfer Payments
No
No
No
No
No
No
No
No
No
Yes
No
Virtual Account Collections
No
No
No
No
No
No
No
No
No
Yes
No
Multi-currency (13 currencies)
No
No
No
No
No
No
No
No
No
Yes
No
White-label Infrastructure
No
No
No
No
No
No
No
No
No
Yes
No
International Card Processing
No
No
No
No
No
No
No
No
No
Yes
No
View Details View Details View Details View Details View Details View Details View Details View Details View Details View Details View Details
++++
Flutterwave Transfer API

Flutterwave Transfer API

++++
eTranzact

eTranzact

++++
Elipa

Elipa

++++
Thunes Payout API

Thunes Payout API

++++
Kora Payments API

Kora Payments API

++++
Paga

Paga

++++
MTN MoMo API

MTN MoMo API

++++
Paystack API

Paystack API

++++
Flutterwave API

Flutterwave API

++++
SeerBit

SeerBit

++++
Nomba API

Nomba API