3 Best APIs with Virtual Account Collections in Nigeria
We've analyzed and compared the top 3 API providers supporting Virtual Account Collections 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 Virtual Account Collections
| Compare | |||
|---|---|---|---|
| Pricing | Competitive per-transaction fees with transparent pricing (contact for specific rates) | Free setup + 1.5% per card/USSD (zero fees on bank transfers) | Free setup + 1.5% per local transaction (capped at NGN 2,000) |
| Virtual Account Collections | Yes | Yes | Yes |
| Payouts & Disbursements | Yes | No | No |
| Card Payments (Debit & Credit) | Yes | No | Yes |
| Bank Transfer Payments | Yes | Yes | Yes |
| Direct Debit / Recurring Payments | Yes | No | No |
| Payment Links | Yes | Yes | No |
| International Payments | Yes | No | No |
| API & SDK Integration | Yes | No | No |
| E-commerce Plugin Integration | Yes | No | No |
| Fraud Detection & Prevention | Yes | No | No |
| Card Payments | No | Yes | No |
| USSD Payments | No | Yes | Yes |
| GTBank Direct Debit | No | Yes | No |
| Merchant Mobile POS App | No | Yes | No |
| Outbound Transfers | No | Yes | No |
| Recurring Billing | No | No | No |
| Transaction Splitting | No | No | No |
| QR Code Payments | No | No | Yes |
| Mobile Money | No | No | Yes |
| Multi-currency (13 currencies) | No | No | Yes |
| White-label Infrastructure | No | No | Yes |
| International Card Processing | No | No | Yes |
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