5 Best APIs with USSD in Nigeria

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

Compare
Arkesel
Paga
Paystack API
Flutterwave API
Squad
PricingPay-as-you-go. SMS from $0.02/message. Volume discounts available.Variable based on transaction type (wallet transfers, collections, payouts)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.Free setup + 1.5% per card/USSD (zero fees on bank transfers)
Bulk SMS
Yes
No
No
No
No
Voice OTP
Yes
No
No
No
No
Custom Sender ID
Yes
No
No
No
No
Delivery Reports
Yes
No
No
No
No
OTP Generation
Yes
No
No
No
No
Email Messaging
Yes
No
No
No
No
Nigeria Support
Yes
No
No
No
No
Ghana Coverage
Yes
No
No
No
No
Consumer Wallet
No
Yes
No
No
No
USSD-based Access (any phone)
No
Yes
No
No
No
Agent Network (Cash In/Out)
No
Yes
No
No
No
Wallet-to-Wallet Transfers
No
Yes
No
No
No
Enterprise Collections API
No
Yes
No
No
No
Enterprise Payouts API
No
Yes
No
No
No
Payment Links (JustPaga.Me)
No
Yes
No
No
No
Bank Account Transfers
No
Yes
No
No
No
Webhook Notifications
No
Yes
No
No
No
Multi-currency
No
No
Yes
Yes
No
Bill Payments
No
Yes
Yes
Yes
No
QR Code Payments
No
Yes
Yes
Yes
No
Card Payments
No
Yes
Yes
Yes
Yes
Bank Transfer
No
No
Yes
Yes
No
USSD Payments
No
No
Yes
Yes
Yes
Mobile Money
No
No
Yes
No
No
Recurring Billing
No
No
Yes
Yes
No
Refunds
No
No
Yes
No
No
Split Payments
No
No
Yes
Yes
No
Bulk Transfers
No
No
Yes
Yes
No
Payment Links
No
No
Yes
Yes
Yes
Webhooks
No
No
Yes
Yes
No
Sandbox Environment
No
No
Yes
Yes
No
Virtual Accounts
No
No
Yes
Yes
No
Direct Debit
No
No
Yes
Yes
No
Fraud Detection
No
No
Yes
Yes
No
Transaction Monitoring
No
No
Yes
Yes
No
SDK Support
No
No
Yes
Yes
No
Transaction History
No
No
Yes
Yes
No
Compliance
No
No
Yes
Yes
No
Batch Processing
No
No
Yes
Yes
No
Real-time Data
No
No
Yes
Yes
No
Data Export
No
No
Yes
Yes
No
USSD
No
No
No
Yes
No
Mobile Money (M-Pesa etc)
No
No
No
Yes
No
FX Conversion
No
No
No
Yes
No
Virtual Account Collections
No
No
No
No
Yes
Bank Transfer Payments
No
No
No
No
Yes
GTBank Direct Debit
No
No
No
No
Yes
Merchant Mobile POS App
No
No
No
No
Yes
Outbound Transfers
No
No
No
No
Yes
Transaction Splitting
No
No
No
No
No
View Details View Details View Details View Details View Details
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Arkesel

Arkesel

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Paga

Paga

++++
Paystack API

Paystack API

++++
Flutterwave API

Flutterwave API

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Squad

Squad