15 Best APIs with virtual accounts in Nigeria

We've analyzed and compared the top 15 API providers supporting virtual accounts 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 virtual accounts

Compare	Bloc	CBI Monie	Woven Finance	Korapay API	Kora Payments API	Fincra	Anchor API	Monnify	Paystack API	Flutterwave API	ErcasPay	Kuda Bank API	Payaza API	Squad	Nomba API
Pricing	Usage-based pricing for accounts, transfers, cards, and bills payment (no setup fees)	Per-transaction fees vary by payment method (exact rates available upon request)	Competitive per-transaction fees with transparent pricing (contact for specific rates)	Free sandbox for testing. Production: 1.5% + processing fees on card transactions; transfer fees on disbursements.	Free setup + 1.5% per local transaction (cards, bank, USSD, mobile money)	Varies by payment channel (domestic, international, remittance). Request pricing from sales team.	Subscription-based SaaS; pricing varies by feature tier	Free setup; 1% per card transaction (capped NGN 2,000); 0.5% per bank transfer (capped NGN 500); no monthly fees	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.	Per-transaction fees based on payment method and currency (request pricing details)	Freemium. Transaction fees apply. Contact for developer access.	Transaction-based fees; pricing varies by service	Free setup + 1.5% per card/USSD (zero fees on bank transfers)	Free for basic features; paid plans for advanced features
Virtual Bank Account Issuance (NUBAN)	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No
NDIC-Insured Deposits	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Virtual Debit Cards (NGN/USD)	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Bank Transfers to Any Nigerian Bank	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Bulk Payouts (up to 1000 recipients)	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Bills Payment (Electricity, Airtime, TV)	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Account Balance & Statement Retrieval	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Webhook Notifications	Yes	Yes	No	No	Yes	No	No	No	No	No	Yes	Yes	No	No	No
Multi-currency Accounts	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No
International Transfers	No	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
QR Code Payments	No	Yes	No	No	No	No	No	Yes	Yes	Yes	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
USSD Payments	No	Yes	No	No	Yes	Yes	No	Yes	Yes	Yes	No	No	No	Yes	No
Card Payments (Verve, Mastercard, Visa)	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No
Bank Transfer Payments	No	Yes	Yes	No	No	No	No	No	No	No	No	No	No	Yes	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
Virtual Account Collections	No	No	Yes	No	No	No	No	No	No	No	No	No	No	Yes	No
Payouts & Disbursements	No	No	Yes	No	No	Yes	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	No	No
Direct Debit / Recurring Payments	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No
Payment Links	No	No	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	No	No	Yes	Yes
International Payments	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No
API & SDK Integration	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No
E-commerce Plugin Integration	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No
Fraud Detection & Prevention	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No
Virtual Accounts	No	No	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	No	Yes
Cross-border Settlement	No	No	No	Yes	Yes	Yes	No	No	No	No	No	No	No	No	No
Bulk Payouts	No	No	No	Yes	No	Yes	No	No	No	No	No	No	No	No	No
Pay-in Collections (Card, Bank, USSD)	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No
Bulk Payouts / Disbursement	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No
Multi-currency	No	No	No	No	Yes	Yes	No	No	Yes	Yes	No	No	No	No	No
Card Issuance	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No
WooCommerce Plugin	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No
Recurring Billing	No	No	No	No	No	Yes	Yes	Yes	Yes	Yes	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	No	Yes	No	No	Yes	Yes	Yes	No	No	No	No	No
Mobile Money	No	No	No	No	Yes	No	No	No	Yes	No	No	No	No	No	Yes
Card Payments	No	No	No	No	Yes	Yes	Yes	Yes	Yes	Yes	No	No	No	Yes	Yes
SDK Support	No	No	No	No	Yes	Yes	No	No	Yes	Yes	No	No	No	No	No
Transaction History	No	No	No	No	Yes	Yes	No	No	Yes	Yes	No	No	No	No	No
Pay-in Collections (Multiple Channels)	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No
International Card Acquiring	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No
Remittance Services	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No
Treasury & Digital Banking	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No
KYC & Identity Verification	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No
SWIFT & SEPA Rails	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No
Bulk Transfers	No	No	No	No	No	Yes	No	No	Yes	Yes	No	No	No	No	No
Transaction Monitoring	No	No	No	No	No	Yes	No	No	Yes	Yes	No	No	No	No	No
Compliance	No	No	No	No	No	Yes	No	No	Yes	Yes	No	No	No	No	No
Direct Debit	No	No	No	No	No	No	Yes	No	Yes	Yes	No	No	No	No	No
Bank Transfers	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No
Recurring Payments	No	No	No	No	No	No	No	Yes	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	No	No	Yes	No	No	No	No	No	No	No
API Documentation	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No
Mobile SDK	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No
Point-of-Sale	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No
Bank Transfer	No	No	No	No	No	No	No	No	Yes	Yes	No	No	No	No	No
Refunds	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No
Webhooks	No	No	No	No	No	No	No	No	Yes	Yes	No	No	No	No	No
Sandbox Environment	No	No	No	No	No	No	No	No	Yes	Yes	No	No	No	No	No
Bill Payments	No	No	No	No	No	No	No	No	Yes	Yes	No	Yes	No	No	No
Fraud Detection	No	No	No	No	No	No	No	No	Yes	Yes	Yes	No	No	No	No
Batch Processing	No	No	No	No	No	No	No	No	Yes	Yes	No	No	No	No	No
Real-time Data	No	No	No	No	No	No	No	No	Yes	Yes	No	No	No	No	No
Data Export	No	No	No	No	No	No	No	No	Yes	Yes	No	No	No	No	No
USSD	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No
Mobile Money (M-Pesa etc)	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No
FX Conversion	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No
Hosted Checkout	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No
Developer APIs	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No
Multicurrency Support	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No
Automatic Reconciliation	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No
Real-time Reporting	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No
PCI DSS Compliant	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No
Account Creation	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
Fund Transfer	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
Account Balance Query	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
Statement Retrieval	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
Airtime Purchase	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
GTBank Direct Debit	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No
Merchant Mobile POS App	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No
Outbound Transfers	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	No
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