5 Best APIs with Transaction Monitoring in Nigeria

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

Compare
Fincra
Youverify
Paystack API
Flutterwave API
Stripe
PricingVaries by payment channel (domestic, international, remittance). Request pricing from sales team.Enterprise pricing in USD (request custom quotes)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.2.9% + $0.30 per successful card charge. Additional fees for international cards, currency conversion, and advanced features.
Virtual Accounts
Yes
No
Yes
Yes
No
Pay-in Collections (Multiple Channels)
Yes
No
No
No
No
Payouts & Disbursements
Yes
No
No
No
No
Cross-border Settlement
Yes
No
No
No
No
International Card Acquiring
Yes
No
No
No
No
Remittance Services
Yes
No
No
No
No
Treasury & Digital Banking
Yes
No
No
No
No
KYC & Identity Verification
Yes
No
No
No
No
Multi-currency
Yes
No
Yes
Yes
Yes
SWIFT & SEPA Rails
Yes
No
No
No
No
Bulk Transfers
Yes
No
Yes
Yes
No
Bulk Payouts
Yes
No
No
No
No
Recurring Billing
Yes
No
Yes
Yes
No
Payment Links
Yes
No
Yes
Yes
No
Card Payments
Yes
No
Yes
Yes
Yes
USSD Payments
Yes
No
Yes
Yes
No
Transaction Monitoring
Yes
Yes
Yes
Yes
Yes
SDK Support
Yes
No
Yes
Yes
Yes
Transaction History
Yes
No
Yes
Yes
Yes
Compliance
Yes
No
Yes
Yes
Yes
KYC Onboarding
No
Yes
No
No
No
Facial Biometrics & Document Checks
No
Yes
No
No
No
Phone Number Verification
No
Yes
No
No
No
KYB (Business Verification)
No
Yes
No
No
No
AML & Sanctions Screening
No
Yes
No
No
No
Address Verification
No
Yes
No
No
No
No-code Workflow Builder
No
Yes
No
No
No
Custom Compliance Flows
No
Yes
No
No
No
Credit Report Access
No
Yes
No
No
No
NIN Verification
No
Yes
No
No
No
BVN Verification
No
Yes
No
No
No
KYC Verification
No
Yes
No
No
No
CAC Lookup
No
Yes
No
No
No
Fraud Detection
No
Yes
Yes
Yes
No
TIN Verification
No
Yes
No
No
No
AML Screening
No
Yes
No
No
No
Document Verification
No
Yes
No
No
No
Bank Transfer
No
No
Yes
Yes
No
Mobile Money
No
No
Yes
No
No
Refunds
No
No
Yes
No
No
Split Payments
No
No
Yes
Yes
No
Webhooks
No
No
Yes
Yes
Yes
Sandbox Environment
No
No
Yes
Yes
Yes
Direct Debit
No
No
Yes
Yes
No
Bill Payments
No
No
Yes
Yes
No
QR Code Payments
No
No
Yes
Yes
No
Batch Processing
No
No
Yes
Yes
Yes
Real-time Data
No
No
Yes
Yes
Yes
Data Export
No
No
Yes
Yes
Yes
USSD
No
No
No
Yes
No
Mobile Money (M-Pesa etc)
No
No
No
Yes
No
FX Conversion
No
No
No
Yes
No
Bank Debit (ACH)
No
No
No
No
Yes
Buy Now Pay Later
No
No
No
No
Yes
Recurring Subscriptions
No
No
No
No
Yes
Marketplace Payouts (Connect)
No
No
No
No
Yes
Invoicing
No
No
No
No
Yes
Fraud Detection (Radar)
No
No
No
No
Yes
Terminal (In-person)
No
No
No
No
Yes
Nigerian Naira (NGN)
No
No
No
No
No
View Details View Details View Details View Details View Details
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Fincra

Fincra

++++
Youverify

Youverify

++++
Paystack API

Paystack API

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Flutterwave API

Flutterwave API

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Stripe

Stripe