15 Best APIs with USSD Payments in Nigeria

We've analyzed and compared the top 15 API providers supporting USSD 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 USSD Payments

Compare	RexPay (Global Accelerex)	CBI Monie	Remita	Kora Payments API	Fincra	Monnify	VelvPay	AlatPay	MTN MoMo API	Paystack API	Flutterwave API	RoutePay Fintech	Squad	SeerBit	Interswitch
Pricing	Competitive merchant rates with transparent fee structure (exact pricing varies by use case)	Per-transaction fees vary by payment method (exact rates available upon request)	NGN 4,000 setup + 1% per local transaction (4% international)	Free setup + 1.5% per local transaction (cards, bank, USSD, mobile money)	Varies by payment channel (domestic, international, remittance). Request pricing from sales team.	Free setup; 1% per card transaction (capped NGN 2,000); 0.5% per bank transfer (capped NGN 500); no monthly fees	Competitive rates for SMEs (exact pricing not publicly listed, contact sales)	Competitive rates for small businesses (exact pricing available upon request)	Transaction-based fees; pricing varies by service type (collections, disbursements, remittances)	No monthly fees. 1.5% per transaction (local), capped at ₦2,000. International cards: 3.9% + ₦100	1.4% per local transaction, 3.8% international. No setup fees. Volume discounts available.	Transaction-based pricing (contact for specific rates based on payment method)	Free setup + 1.5% per card/USSD (zero fees on bank transfers)	Free setup + 1.5% per local transaction (capped at NGN 2,000)	NGN 150,000 one-time setup fee; 1.5% per local transaction (capped NGN 2,000); 3.8% per international transaction
Online Payment Gateway (RexPay)	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No
POS Terminal Solutions (Accelerex)	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Mobile POS App (RexRetail)	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Card Payments	Yes	No	No	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	No	No
Bank Transfer Payments	Yes	Yes	No	No	No	No	Yes	Yes	No	No	No	No	Yes	Yes	No
USSD Payments	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
QR Code Payments	Yes	Yes	No	No	No	Yes	No	No	No	Yes	Yes	No	No	Yes	No
Payment Links	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	No	Yes	No	No
Bulk Payouts	Yes	No	Yes	No	Yes	No	No	No	No	No	No	No	No	No	No
Real-time Reporting Dashboard	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No
POS Terminal Payments (Android/NEXGO)	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No
Virtual Account Collections (NUBAN)	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No
Online Checkout	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No
Card Payments (Verve, Mastercard, Visa)	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No
Webhook Notifications	No	Yes	No	Yes	No	No	No	No	No	No	No	No	No	No	No
Unified Settlement Dashboard	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No
Next-day Settlement	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No
Card Payments (Debit & Credit)	No	No	Yes	No	No	No	No	No	No	No	No	No	No	Yes	No
Bank Transfer (Internet Banking)	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No
POS Terminal Payments	No	No	Yes	No	No	No	No	No	No	No	No	Yes	No	No	No
Direct Debit	No	No	Yes	No	No	No	No	No	No	Yes	Yes	No	No	No	No
Bulk Transfers	No	No	Yes	No	Yes	No	No	No	No	Yes	Yes	No	No	No	No
TSA Integration	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No
Recurring Billing	No	No	Yes	No	Yes	Yes	Yes	No	No	Yes	Yes	No	No	No	No
Multi-currency	No	No	No	Yes	Yes	No	No	No	No	Yes	Yes	No	No	No	No
Bill Payments	No	No	Yes	No	No	No	No	No	Yes	Yes	Yes	Yes	No	No	No
Pay-in Collections (Card, Bank, USSD)	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No
Bulk Payouts / Disbursement	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No
Virtual Accounts	No	No	No	Yes	Yes	Yes	No	No	No	Yes	Yes	No	No	No	No
Cross-border Settlement	No	No	No	Yes	Yes	No	No	No	No	No	No	No	No	No	No
Card Issuance	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No
WooCommerce Plugin	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No
Transaction Splitting	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Split Payments	No	No	No	Yes	No	Yes	No	No	No	Yes	Yes	No	No	No	No
Mobile Money	No	No	No	Yes	No	No	No	No	Yes	Yes	No	No	No	Yes	No
SDK Support	No	No	No	Yes	Yes	No	No	No	No	Yes	Yes	No	No	No	No
Transaction History	No	No	No	Yes	Yes	No	No	No	No	Yes	Yes	No	No	No	No
Pay-in Collections (Multiple Channels)	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No
Payouts & Disbursements	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No
International Card Acquiring	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No
Remittance Services	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No
Treasury & Digital Banking	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No
KYC & Identity Verification	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No
SWIFT & SEPA Rails	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No
Transaction Monitoring	No	No	No	No	Yes	No	No	No	No	Yes	Yes	No	No	No	No
Compliance	No	No	No	No	Yes	No	No	No	No	Yes	Yes	No	No	No	No
Bank Transfers	No	No	No	No	No	Yes	No	No	No	No	No	Yes	No	No	No
Recurring Payments	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No
Wallet Solutions	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Merchant Dashboard	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No
API Documentation	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No
Mobile SDK	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No
Point-of-Sale	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No
Invoice Management	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No
Web Checkout Integration	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No
Mobile Integration	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No
POS/In-person Payments	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No
Reporting & Analytics	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No
Quick Settlement	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No
Business Dashboard	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No
API Integration	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No
Mobile App	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No
Real-time Data	No	No	No	No	No	No	No	No	Yes	Yes	Yes	No	No	No	No
Bank Transfer	No	No	No	No	No	No	No	No	No	Yes	Yes	No	No	No	No
Refunds	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No
Webhooks	No	No	No	No	No	No	No	No	No	Yes	Yes	No	No	No	No
Sandbox Environment	No	No	No	No	No	No	No	No	No	Yes	Yes	No	No	No	No
Fraud Detection	No	No	No	No	No	No	No	No	No	Yes	Yes	No	No	No	No
Batch Processing	No	No	No	No	No	No	No	No	No	Yes	Yes	No	No	No	No
Data Export	No	No	No	No	No	No	No	No	No	Yes	Yes	No	No	No	No
USSD	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No
Mobile Money (M-Pesa etc)	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No
FX Conversion	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No
Web Payments	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
Mobile App Payments	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
ATM Transactions	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
Credit Facilities (MFB)	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
BVN Verification	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
Virtual Account Collections	No	No	No	No	No	No	No	No	No	No	No	No	Yes	Yes	No
GTBank Direct Debit	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No
Merchant Mobile POS App	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No
Outbound Transfers	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No
Multi-currency (13 currencies)	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No
White-label Infrastructure	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No
International Card Processing	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	Yes
Verve, Visa, Mastercard, Amex	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes
3D Secure Card Authentication	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes
Split Payments & Revenue Allocation	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes
Bank Transfer Collections	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes
BVN & Identity Verification	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes
Real-time Dashboard	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes
Multi-currency Settlement	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes
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