5 Best APIs with payouts in Nigeria

We've analyzed and compared the top 5 API providers supporting payouts 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 payouts

Compare
Korapay API
Elipa
Kora Payments API
Fincra
Onafriq (Baxi)
PricingFree sandbox for testing. Production: 1.5% + processing fees on card transactions; transfer fees on disbursements.Usage-based pricing based on payout destination and method (request pricing for specific corridors)Free setup + 1.5% per local transaction (cards, bank, USSD, mobile money)Varies by payment channel (domestic, international, remittance). Request pricing from sales team.Usage-based pricing for collections, payouts, and bills payment (request pricing for specific needs)
Virtual Accounts
Yes
No
Yes
Yes
No
Cross-border Settlement
Yes
No
Yes
Yes
No
Bulk Payouts
Yes
Yes
No
Yes
No
Payment Links
Yes
No
Yes
Yes
Yes
Cross-border Payouts
No
Yes
No
No
No
Multi-currency Payouts
No
Yes
No
No
No
Mobile Money Integration
No
Yes
No
No
No
Bank Transfer Payouts
No
Yes
No
No
No
Cash Pickup Services
No
Yes
No
No
No
Real-time Payment Tracking
No
Yes
No
No
No
Webhook Notifications
No
Yes
Yes
No
Yes
Settlement Reports
No
Yes
No
No
No
Pan-African Coverage
No
Yes
No
No
Yes
Pay-in Collections (Card, Bank, USSD)
No
No
Yes
No
No
Bulk Payouts / Disbursement
No
No
Yes
No
No
Multi-currency
No
No
Yes
Yes
No
Card Issuance
No
No
Yes
No
Yes
WooCommerce Plugin
No
No
Yes
No
No
Recurring Billing
No
No
No
Yes
Yes
Transaction Splitting
No
No
No
No
No
Split Payments
No
No
Yes
No
Yes
Mobile Money
No
No
Yes
No
No
Card Payments
No
No
Yes
Yes
Yes
USSD Payments
No
No
Yes
Yes
No
SDK Support
No
No
Yes
Yes
No
Transaction History
No
No
Yes
Yes
No
Pay-in Collections (Multiple Channels)
No
No
No
Yes
No
Payouts & Disbursements
No
No
No
Yes
No
International Card Acquiring
No
No
No
Yes
No
Remittance Services
No
No
No
Yes
No
Treasury & Digital Banking
No
No
No
Yes
No
KYC & Identity Verification
No
No
No
Yes
No
SWIFT & SEPA Rails
No
No
No
Yes
No
Bulk Transfers
No
No
No
Yes
No
Transaction Monitoring
No
No
No
Yes
No
Compliance
No
No
No
Yes
No
Collections (Multiple Channels)
No
No
No
No
Yes
Payouts (Wallets & Bank Accounts)
No
No
No
No
Yes
Bill Payments (248+ Billers)
No
No
No
No
Yes
Agent Network (Baxi - 460k agents)
No
No
No
No
Yes
Card Processing
No
No
No
No
Yes
Airtime & Data Vending
No
No
No
No
Yes
Real-time Settlement
No
No
No
No
Yes
View Details View Details View Details View Details View Details
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Korapay API

Korapay API

++++
Elipa

Elipa

++++
Kora Payments API

Kora Payments API

++++
Fincra

Fincra

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Onafriq (Baxi)

Onafriq (Baxi)