6 Best APIs with Split Payments in Nigeria

We've analyzed and compared the top 6 API providers supporting Split 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 Split Payments

Compare
Kora Payments API
Onafriq (Baxi)
Monnify
Paystack API
Flutterwave API
Thrivyx API
PricingFree setup + 1.5% per local transaction (cards, bank, USSD, mobile money)Usage-based pricing for collections, payouts, and bills payment (request pricing for specific needs)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 tier for testing and small teams. Paid: usage-based pricing for enterprise features and higher volumes.
Pay-in Collections (Card, Bank, USSD)
Yes
No
No
No
No
No
Bulk Payouts / Disbursement
Yes
No
No
No
No
No
Virtual Accounts
Yes
No
Yes
Yes
Yes
No
Cross-border Settlement
Yes
No
No
No
No
No
Multi-currency
Yes
No
No
Yes
Yes
No
Card Issuance
Yes
Yes
No
No
No
No
Payment Links
Yes
Yes
Yes
Yes
Yes
No
Webhook Notifications
Yes
Yes
No
No
No
No
WooCommerce Plugin
Yes
No
No
No
No
No
Recurring Billing
No
Yes
Yes
Yes
Yes
No
Transaction Splitting
No
No
No
No
No
No
Split Payments
Yes
Yes
Yes
Yes
Yes
Yes
Mobile Money
Yes
No
No
Yes
No
No
Card Payments
Yes
Yes
Yes
Yes
Yes
No
USSD Payments
Yes
No
Yes
Yes
Yes
No
SDK Support
Yes
No
No
Yes
Yes
No
Transaction History
Yes
No
No
Yes
Yes
No
Collections (Multiple Channels)
No
Yes
No
No
No
No
Payouts (Wallets & Bank Accounts)
No
Yes
No
No
No
No
Bill Payments (248+ Billers)
No
Yes
No
No
No
No
Agent Network (Baxi - 460k agents)
No
Yes
No
No
No
No
Card Processing
No
Yes
No
No
No
No
Airtime & Data Vending
No
Yes
No
No
No
No
Real-time Settlement
No
Yes
No
No
No
No
Pan-African Coverage
No
Yes
No
No
No
No
Bank Transfers
No
No
Yes
No
No
No
Recurring Payments
No
No
Yes
No
No
No
Wallet Solutions
No
No
No
No
No
No
Merchant Dashboard
No
No
Yes
No
No
No
API Documentation
No
No
Yes
No
No
No
Mobile SDK
No
No
Yes
No
No
No
Point-of-Sale
No
No
Yes
No
No
No
QR Code Payments
No
No
Yes
Yes
Yes
No
Bank Transfer
No
No
No
Yes
Yes
No
Refunds
No
No
No
Yes
No
No
Bulk Transfers
No
No
No
Yes
Yes
No
Webhooks
No
No
No
Yes
Yes
No
Sandbox Environment
No
No
No
Yes
Yes
No
Direct Debit
No
No
No
Yes
Yes
No
Bill Payments
No
No
No
Yes
Yes
No
Fraud Detection
No
No
No
Yes
Yes
No
Transaction Monitoring
No
No
No
Yes
Yes
No
Compliance
No
No
No
Yes
Yes
No
Batch Processing
No
No
No
Yes
Yes
No
Real-time Data
No
No
No
Yes
Yes
No
Data Export
No
No
No
Yes
Yes
No
USSD
No
No
No
No
Yes
No
Mobile Money (M-Pesa etc)
No
No
No
No
Yes
No
FX Conversion
No
No
No
No
Yes
No
View Details View Details View Details View Details View Details View Details
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Kora Payments API

Kora Payments API

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Onafriq (Baxi)

Onafriq (Baxi)

++++
Monnify

Monnify

++++
Paystack API

Paystack API

++++
Flutterwave API

Flutterwave API

++++
Thrivyx API

Thrivyx API