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HomeCategoriesFeaturesUSSD Payments

43 Best APIs for USSD Payments in Nigeria

We've analyzed and compared the top 43 API providers supporting USSD Payments for Nigerian developers and businesses. Find the right infrastructure fit for your startup below.

Ifeoluwa Ajetomobi

Moderated by Ifeoluwa Ajetomobi

Last updated: October 2026

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Mono Connect API Favicon

Mono Connect API

Open banking infrastructure for real-time financial data, DirectPay, DirectDebit, GSM, disbursements & KYC verification

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Fincra API Favicon

Fincra API

CBN PSSP-licensed African payment gateway. Checkout, virtual accounts, direct debit, and cross-border payments across 50+ currencies and 150+ countries.

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OOPay API

OPay API

Accept card, bank transfer & USSD payments through OPay's 40M+ wallet network

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PPaga API

Paga API

Send money, pay bills & top up airtime at scale for agents

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RRexPay (Global Accelerex) API

RexPay (Global Accelerex) API

Accept card, internet banking transfer & USSD payments via a CBN-certified gateway

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eeTranzact API

eTranzact API

Power payment infrastructure for banks, government agencies & telcos

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UUnlimit (formerly CardPay) API

Unlimit (formerly CardPay) API

Accept international payments for e-commerce, gaming & travel platforms

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CCBI Monie API

CBI Monie API

Manage wallets, virtual accounts & QR payments for fintechs and ERPs

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Fincra API Favicon

Fincra API

CBN PSSP-licensed African payment gateway. Checkout, virtual accounts, direct debit, and cross-border payments across 50+ currencies and 150+ countries.

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MMonnify API

Monnify API

Accept payments with same-day settlement & competitive transfer fees

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SSquad API

Squad API

Accept payments & issue virtual accounts through a GTBank-backed gateway

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IInterswitch API

Interswitch API

Vend airtime, pay 3,000+ billers & process NIP transfers via Verve

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KKora Payments API

Kora Payments API

Accept card, mobile money & bank transfer payments across four African countries

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SSeerBit API

SeerBit API

Accept card & bank transfer payments with local acquiring across 10+ African markets

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VVelvPay API

VelvPay API

Accept payments at 1% fees, built for Nigerian SMEs and freelancers

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Busha API Favicon

Busha API

Nigeria's first SEC-licensed crypto API. Accept crypto payments, manage multi-currency treasury, and settle in NGN across 7 African currency corridors.

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PPayU Nigeria API

PayU Nigeria API

Accept payments through AI-driven infrastructure built for high-growth markets

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ZZone (formerly AppZone) API

Zone (formerly AppZone) API

Process ATM, POS & web/in-app payments through a blockchain-based switch

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GGT Pay (GTPay) API

GT Pay (GTPay) API

Accept Verve card payments through a legacy gateway backed by GTBank

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EErcasPay API

ErcasPay API

Accept NGN, USD, GBP, EUR & more through one payment gateway

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CCashEnvoy API

CashEnvoy API

Accept Nigerian debit card payments as an alternative to Paystack and Flutterwave

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RRoutePay Fintech API

RoutePay Fintech API

Accept web, mobile, POS, ATM & USSD payments plus merchant micro-loans

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Prembly (IdentityPass) API Favicon

Prembly (IdentityPass) API

Nigerian and pan-African KYC API (formerly IdentityPass) BVN, NIN, CAC, FRSC, passport verification across 7 African countries in a single integration.

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CCeviant Payments API

Ceviant Payments API

Process payments through infrastructure licensed in both Nigeria and the UK

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EEpic Pay API

Epic Pay API

Accept one-time payments through a white-label-ready, PCI-certified gateway

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SSPay Business Solutions API

SPay Business Solutions API

Accept online card & bank payments without complex setup

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SSquare API

Square API

Build point-of-sale & online payment systems

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PPaystack API

Paystack API

Accept payments with Nigeria's most widely adopted gateway

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FFlutterwave API

Flutterwave API

Accept payments across Africa in 150+ countries

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Sumsub API Favicon

Sumsub API

Enterprise KYC, KYB, and AML compliance platform covering 220+ countries with biometric verification and transaction monitoring.

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SStripe API

Stripe API

Accept payments, subscriptions & card issuing for global markets

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TThrivyx API

Thrivyx API

Share files securely & collaborate with built-in cybersecurity tools

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KKlasha API

Klasha API

Accept international payments & convert currencies for African merchants

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PPalmPay API

PalmPay API

Process payments, VTU & bill payments for merchants

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JJostpay API

Jostpay API

Process payments, bill payments & mobile top-ups

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BBudpay API

Budpay API

Pay airtime, electricity & insurance bills in one API

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Hunter API Favicon

Hunter API

Email finder and verification API free 50 searches/month, domain search, MCP server for AI agents, and unified credits system.

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MMTN MoMo API

MTN MoMo API

Collect, disburse & send remittances via MTN Mobile Money

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PPairgate API

Pairgate API

Buy airtime & cheap data through a modern API

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PPaybeta API

Paybeta API

Pay airtime, data & electricity bills across all DISCOs

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PPayaza API

Payaza API

Accept payments across 16+ countries including Nigeria, Ghana & Kenya

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IIvorypay API

Ivorypay API

Accept crypto payments & settle in local currency across Africa

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EEversend API

Eversend API

Transfer money & pay bills across multiple African currencies

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Paystack API Favicon

Paystack API

Nigeria's leading payment API (a Stripe company). Local: 1.5% + ₦100 capped ₦2,000. International: 3.9%. Fee waived for ≤₦2,500. No monthly fees.

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BBanky API

Banky API

Accept direct bank transfer payments without card details

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NNomba API

Nomba API

Accept checkout payments & manage POS transfers in Nigeria

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VVFD API

VFD API

Build wallets, loans & bill payments on VFD's bank infrastructure

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NNuvei API

Nuvei API

Accept NQR, Paga, & pan-African payments plus global cards via one API

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EEBANX API

EBANX API

Accept Nigerian Bank Transfer, OPay, and cards for cross-border settlement

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BBraintree API

Braintree API

Accept payments globally with robust fraud tools.

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OpenWatch API Favicon

OpenWatch API

Open-source intelligence API providing location-based security event data and corporate risk intelligence

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BBachs API

Bachs API

Payments & billing platform for African internet businesses - global checkout, subscriptions, usage billing, and settlement to African bank accounts