8 Best APIs with Recurring Billing in Nigeria

We've analyzed and compared the top 8 API providers supporting Recurring Billing for Nigerian developers and businesses. Find the right infrastructure fit for your startup below.

Written by Editorial Staffs as at 11th June, 2026

All APIs with Recurring Billing

Compare
Remita
Fincra
Onafriq (Baxi)
Anchor API
Monnify
VelvPay
Paystack API
Flutterwave API
PricingNGN 4,000 setup + 1% per local transaction (4% international)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)Subscription-based SaaS; pricing varies by feature tierFree setup; 1% per card transaction (capped NGN 2,000); 0.5% per bank transfer (capped NGN 500); no monthly feesCompetitive rates for SMEs (exact pricing not publicly listed, contact sales)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.
Card Payments (Debit & Credit)
Yes
No
No
No
No
No
No
No
USSD Payments
Yes
Yes
No
No
Yes
Yes
Yes
Yes
Bank Transfer (Internet Banking)
Yes
No
No
No
No
No
No
No
POS Terminal Payments
Yes
No
No
No
No
No
No
No
Direct Debit
Yes
No
No
Yes
No
No
Yes
Yes
Bulk Transfers
Yes
Yes
No
No
No
No
Yes
Yes
Bulk Payouts
Yes
Yes
No
No
No
No
No
No
TSA Integration
Yes
No
No
No
No
No
No
No
Recurring Billing
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Multi-currency
No
Yes
No
No
No
No
Yes
Yes
Payment Links
Yes
Yes
Yes
No
Yes
Yes
Yes
Yes
Bill Payments
Yes
No
No
No
No
No
Yes
Yes
Virtual Accounts
No
Yes
No
Yes
Yes
No
Yes
Yes
Pay-in Collections (Multiple Channels)
No
Yes
No
No
No
No
No
No
Payouts & Disbursements
No
Yes
No
No
No
No
No
No
Cross-border Settlement
No
Yes
No
No
No
No
No
No
International Card Acquiring
No
Yes
No
No
No
No
No
No
Remittance Services
No
Yes
No
No
No
No
No
No
Treasury & Digital Banking
No
Yes
No
No
No
No
No
No
KYC & Identity Verification
No
Yes
No
No
No
No
No
No
SWIFT & SEPA Rails
No
Yes
No
No
No
No
No
No
Card Payments
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Transaction Monitoring
No
Yes
No
No
No
No
Yes
Yes
SDK Support
No
Yes
No
No
No
No
Yes
Yes
Transaction History
No
Yes
No
No
No
No
Yes
Yes
Compliance
No
Yes
No
No
No
No
Yes
Yes
Collections (Multiple Channels)
No
No
Yes
No
No
No
No
No
Payouts (Wallets & Bank Accounts)
No
No
Yes
No
No
No
No
No
Bill Payments (248+ Billers)
No
No
Yes
No
No
No
No
No
Agent Network (Baxi - 460k agents)
No
No
Yes
No
No
No
No
No
Card Issuance
No
No
Yes
No
No
No
No
No
Card Processing
No
No
Yes
No
No
No
No
No
Airtime & Data Vending
No
No
Yes
No
No
No
No
No
Webhook Notifications
No
No
Yes
No
No
No
No
No
Real-time Settlement
No
No
Yes
No
No
No
No
No
Pan-African Coverage
No
No
Yes
No
No
No
No
No
Split Payments
No
No
Yes
No
Yes
No
Yes
Yes
Bank Transfers
No
No
No
No
Yes
No
No
No
Recurring Payments
No
No
No
No
Yes
No
No
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
QR Code Payments
No
No
No
No
Yes
No
Yes
Yes
Bank Transfer Payments
No
No
No
No
No
Yes
No
No
Invoice Management
No
No
No
No
No
Yes
No
No
Web Checkout Integration
No
No
No
No
No
Yes
No
No
Mobile Integration
No
No
No
No
No
Yes
No
No
POS/In-person Payments
No
No
No
No
No
Yes
No
No
Reporting & Analytics
No
No
No
No
No
Yes
No
No
Bank Transfer
No
No
No
No
No
No
Yes
Yes
Mobile Money
No
No
No
No
No
No
Yes
No
Refunds
No
No
No
No
No
No
Yes
No
Webhooks
No
No
No
No
No
No
Yes
Yes
Sandbox Environment
No
No
No
No
No
No
Yes
Yes
Fraud Detection
No
No
No
No
No
No
Yes
Yes
Batch Processing
No
No
No
No
No
No
Yes
Yes
Real-time Data
No
No
No
No
No
No
Yes
Yes
Data Export
No
No
No
No
No
No
Yes
Yes
USSD
No
No
No
No
No
No
No
Yes
Mobile Money (M-Pesa etc)
No
No
No
No
No
No
No
Yes
FX Conversion
No
No
No
No
No
No
No
Yes
View Details View Details View Details View Details View Details View Details View Details View Details
++++
Remita

Remita

++++
Fincra

Fincra

++++
Onafriq (Baxi)

Onafriq (Baxi)

++++
Anchor API

Anchor API

++++
Monnify

Monnify

++++
VelvPay

VelvPay

++++
Paystack API

Paystack API

++++
Flutterwave API

Flutterwave API