2 Best APIs with wallet in Nigeria

We've analyzed and compared the top 2 API providers supporting wallet 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 wallet

Compare
OPay
Paga
PricingCompetitive merchant rates (exact pricing varies by volume), free wallet openingVariable based on transaction type (wallet transfers, collections, payouts)
Digital Wallet
Yes
No
QR Code Payments
Yes
Yes
Bank Transfer Integration
Yes
No
Debit Card Payments
Yes
No
Merchant APIs
Yes
No
Payment Links
Yes
No
Webhook Notifications
Yes
Yes
Multi-currency (select currencies)
Yes
No
POS Terminal Support
Yes
No
Direct Debit
No
No
Consumer Wallet
No
Yes
USSD-based Access (any phone)
No
Yes
Agent Network (Cash In/Out)
No
Yes
Wallet-to-Wallet Transfers
No
Yes
Enterprise Collections API
No
Yes
Enterprise Payouts API
No
Yes
Payment Links (JustPaga.Me)
No
Yes
Bank Account Transfers
No
Yes
Multi-currency
No
No
Bill Payments
No
Yes
Card Payments
No
Yes
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