8 Best APIs with QR Code Payments in Nigeria

We've analyzed and compared the top 8 API providers supporting QR Code Payments 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 QR Code Payments

Compare
RexPay (Global Accelerex)
CBI Monie
OPay
Paga
Monnify
Paystack API
Flutterwave API
SeerBit
PricingCompetitive merchant rates with transparent fee structure (exact pricing varies by use case)Per-transaction fees vary by payment method (exact rates available upon request)Competitive merchant rates (exact pricing varies by volume), free wallet openingVariable based on transaction type (wallet transfers, collections, payouts)Free setup; 1% per card transaction (capped NGN 2,000); 0.5% per bank transfer (capped NGN 500); no monthly feesNo 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)
Online Payment Gateway (RexPay)
Yes
No
No
No
No
No
No
No
POS Terminal Solutions (Accelerex)
Yes
No
No
No
No
No
No
No
Mobile POS App (RexRetail)
Yes
No
No
No
No
No
No
No
Card Payments
Yes
No
No
Yes
Yes
Yes
Yes
No
Bank Transfer Payments
Yes
Yes
No
No
No
No
No
Yes
USSD Payments
Yes
Yes
No
No
Yes
Yes
Yes
Yes
QR Code Payments
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Payment Links
Yes
No
Yes
No
Yes
Yes
Yes
No
Bulk Payouts
Yes
No
No
No
No
No
No
No
Real-time Reporting Dashboard
Yes
No
No
No
No
No
No
No
POS Terminal Payments (Android/NEXGO)
No
Yes
No
No
No
No
No
No
Virtual Account Collections (NUBAN)
No
Yes
No
No
No
No
No
No
Online Checkout
No
Yes
No
No
No
No
No
No
Card Payments (Verve, Mastercard, Visa)
No
Yes
No
No
No
No
No
No
Webhook Notifications
No
Yes
Yes
Yes
No
No
No
No
Unified Settlement Dashboard
No
Yes
No
No
No
No
No
No
Next-day Settlement
No
Yes
No
No
No
No
No
No
Digital Wallet
No
No
Yes
No
No
No
No
No
Bank Transfer Integration
No
No
Yes
No
No
No
No
No
Debit Card Payments
No
No
Yes
No
No
No
No
No
Merchant APIs
No
No
Yes
No
No
No
No
No
Multi-currency (select currencies)
No
No
Yes
No
No
No
No
No
POS Terminal Support
No
No
Yes
No
No
No
No
No
Direct Debit
No
No
No
No
No
Yes
Yes
No
Consumer Wallet
No
No
No
Yes
No
No
No
No
USSD-based Access (any phone)
No
No
No
Yes
No
No
No
No
Agent Network (Cash In/Out)
No
No
No
Yes
No
No
No
No
Wallet-to-Wallet Transfers
No
No
No
Yes
No
No
No
No
Enterprise Collections API
No
No
No
Yes
No
No
No
No
Enterprise Payouts API
No
No
No
Yes
No
No
No
No
Payment Links (JustPaga.Me)
No
No
No
Yes
No
No
No
No
Bank Account Transfers
No
No
No
Yes
No
No
No
No
Multi-currency
No
No
No
No
No
Yes
Yes
No
Bill Payments
No
No
No
Yes
No
Yes
Yes
No
Bank Transfers
No
No
No
No
Yes
No
No
No
Recurring Payments
No
No
No
No
Yes
No
No
No
Virtual Accounts
No
No
No
No
Yes
Yes
Yes
No
Wallet Solutions
No
No
No
No
No
No
No
No
Merchant Dashboard
No
No
No
No
Yes
No
No
No
API Documentation
No
No
No
No
Yes
No
No
No
Mobile SDK
No
No
No
No
Yes
No
No
No
Point-of-Sale
No
No
No
No
Yes
No
No
No
Split Payments
No
No
No
No
Yes
Yes
Yes
No
Recurring Billing
No
No
No
No
Yes
Yes
Yes
No
Bank Transfer
No
No
No
No
No
Yes
Yes
No
Mobile Money
No
No
No
No
No
Yes
No
Yes
Refunds
No
No
No
No
No
Yes
No
No
Bulk Transfers
No
No
No
No
No
Yes
Yes
No
Webhooks
No
No
No
No
No
Yes
Yes
No
Sandbox Environment
No
No
No
No
No
Yes
Yes
No
Fraud Detection
No
No
No
No
No
Yes
Yes
No
Transaction Monitoring
No
No
No
No
No
Yes
Yes
No
SDK Support
No
No
No
No
No
Yes
Yes
No
Transaction History
No
No
No
No
No
Yes
Yes
No
Compliance
No
No
No
No
No
Yes
Yes
No
Batch Processing
No
No
No
No
No
Yes
Yes
No
Real-time Data
No
No
No
No
No
Yes
Yes
No
Data Export
No
No
No
No
No
Yes
Yes
No
USSD
No
No
No
No
No
No
Yes
No
Mobile Money (M-Pesa etc)
No
No
No
No
No
No
Yes
No
FX Conversion
No
No
No
No
No
No
Yes
No
Card Payments (Debit & Credit)
No
No
No
No
No
No
No
Yes
Virtual Account Collections
No
No
No
No
No
No
No
Yes
Multi-currency (13 currencies)
No
No
No
No
No
No
No
Yes
White-label Infrastructure
No
No
No
No
No
No
No
Yes
International Card Processing
No
No
No
No
No
No
No
Yes
View Details View Details View Details View Details View Details View Details View Details View Details
++++
RexPay (Global Accelerex)

RexPay (Global Accelerex)

++++
CBI Monie

CBI Monie

++++
OPay

OPay

++++
Paga

Paga

++++
Monnify

Monnify

++++
Paystack API

Paystack API

++++
Flutterwave API

Flutterwave API

++++
SeerBit

SeerBit