2 Best APIs for WooCommerce Plugin in Nigeria

OPay is a Nigerian digital financial services company and CBN-licensed Payment Service Bank that provides payment gateway APIs for businesses to accept online and offline payments. Originally founded as Opera Pay, OPay has grown into one of Nigeria's largest fintech platforms, backed by SoftBank Vision Fund 2, Sequoia Capital China, and other major investors. OPay operates the largest mobile money network in Nigeria with over 40 million registered users and hundreds of thousands of agents — making it unique among Nigerian payment gateways in that its checkout is also deeply integrated with a mass-market e-wallet used daily by tens of millions of Nigerians. The OPay Checkout API is a RESTful, PCI-compliant payment gateway that enables businesses to accept multiple payment methods through a single integration. Developers access the API documentation at doc.opaycheckout.com, which provides both a hosted Express Checkout option (where OPay handles the entire payment UI) and a Server-to-Server API option (where developers build their own payment UI and call OPay endpoints directly for full control over the customer experience). Authentication uses AppId and AppKey credentials from the OPay Business Dashboard. Requests are signed using HMAC for security. The AppId is passed in the request header, and the AppKey is used to generate a signature that validates the integrity of each API call. The Business Dashboard is also used to configure webhook URLs and IP whitelisting — both of which are required for production deployments. OPay supports the following payment channels for Nigeria: local debit card payments (3DS and non-3DS), bank transfer checkout (where customers receive a virtual account number to transfer to), USSD payments, bank account direct debit, and OPay e-wallet QR payments. The e-wallet QR channel is uniquely powerful — customers with the OPay app can scan a QR code to pay directly from their OPay wallet, and the cost to the merchant is just ₦5 per transfer (the lowest payout rate in the Nigerian market). On the pricing side, OPay charges 1.5% per local transaction capped at ₦2,000 — identical to Paystack and Monnify. International card transactions are charged at 4% with no cap. For payouts (transfers out), OPay wallet transfers cost ₦5 flat, while bank transfers to other Nigerian banks follow the industry standard: ₦10 for amounts up to ₦5,000, ₦25 for ₦5,001–₦50,000, and ₦50 above ₦50,000. Volume discount pricing is available for large-volume processors upon request. OPay also provides a WooCommerce plugin for WordPress-based e-commerce stores, enabling non-technical merchants to add OPay checkout without writing any code. A PHP SDK is also available for backend developers. Webhook notifications are available for payment confirmation events. Developers must configure webhook endpoints in the dashboard and validate webhook signatures to prevent fraudulent event injection. OPay's sandbox environment allows full testing of all payment channels before going live. Moving to live requires completing OPay's business onboarding including CBN KYC: CAC registration, director BVN and government ID, and a business bank account. From a compliance standpoint, OPay Digital Services Limited is CBN-licensed as a Payment Service Bank and operates under the Payment Service Bank (PSB) regulatory framework. All card data is processed in compliance with PCI-DSS. The OPay e-wallet is NDIC-insured up to ₦500,000. Known challenges: OPay's developer documentation is less comprehensive than Paystack's. Some advanced features (split payments, recurring billing) are not available. The e-wallet QR payment channel requires customers to have the OPay app installed, which is only relevant for merchants targeting OPay's user base. Frequently Asked Questions: How is OPay different from Paystack? OPay's main differentiator is the integration with its 40M+ user e-wallet for ₦5 QR payments. For developers building for OPay's mass-market user base, this is a significant advantage. For general e-commerce, Paystack has better documentation and more developer features. Does OPay support split payments or subscriptions? No — OPay's checkout API does not currently support split payments or recurring subscription billing. What is the OPay wallet QR payment? It allows merchants to display a QR code that customers with the OPay app can scan to pay directly from their OPay wallet at ₦5 per transaction.

RexPay is a Nigerian payment gateway solution developed by Global Accelerex Limited, a leading electronic payment and business management solutions company operating in Nigeria and West Africa. Global Accelerex holds both a CBN Payment Solution Service Provider (PSSP) certification and a CBN Payment Terminal Service Provider (PTSP) certification — a dual certification that covers online payment processing and POS terminal management respectively. This makes Global Accelerex one of the few Nigerian companies with both licenses, giving RexPay institutional-grade credibility as a payment infrastructure partner. The RexPay API is RESTful with JSON payloads. Documentation is available at rexpay-docs.globalaccelerex.com. Authentication uses an API Key obtained from the RexPay merchant dashboard. Developers initialize payment transactions by sending a POST request with the amount and transaction reference, then display the RexPay checkout to the customer. RexPay supports three payment channels in Nigeria: card payments (Visa, Mastercard, Verve with 3D Secure / 2FA verification), internet banking transfers (bank-to-bank transfers via the customer's internet banking), and USSD (for customers on basic mobile phones without internet access). This covers the three primary payment behaviors of Nigerian consumers: card users, mobile banking users, and USSD users. For WordPress-based e-commerce stores, RexPay provides a WooCommerce plugin that can be installed directly from the WordPress plugin directory. This no-code integration allows Nigerian merchants to add RexPay checkout without writing a single line of code — simply install, configure the API key from the dashboard, and payments start flowing. Pricing for RexPay starts from $0 per month, indicating no mandatory platform fee. Transaction fees are commission-based and negotiated during merchant onboarding. The exact percentage rates are not published publicly but are competitive with other Nigerian gateways. The $0/month model makes RexPay accessible to small businesses and startups that cannot commit to monthly subscription fees. The sandbox environment allows full testing of all payment channels. Moving to live requires completing the Global Accelerex KYC process, which involves submitting CAC documents, director BVN, and business bank account information. From a compliance standpoint, Global Accelerex is CBN-certified under both the PSSP and PTSP frameworks, meaning that all payment transactions processed through RexPay meet CBN regulatory standards. PCI-DSS compliance ensures card data is handled and stored securely. RexPay is a focused Nigeria-only payment gateway — it does not currently support international payment corridors or other African countries. This is a trade-off that simplifies compliance but limits its usefulness for businesses with pan-African payment needs. Known challenges: RexPay's documentation and developer community are smaller than Paystack or Flutterwave. Advanced features like split payments, virtual accounts, and recurring billing are not currently supported. International card acceptance (for non-Nigerian Visa/Mastercard holders) may have limitations. Frequently Asked Questions: What is Global Accelerex? Global Accelerex is the parent company of RexPay. It is one of Nigeria's oldest e-payment companies, providing POS terminals, payment switches, and software solutions to Nigerian banks and enterprises since the early 2000s. Does RexPay work with WooCommerce? Yes — a WooCommerce plugin is available that allows Nigerian WordPress store owners to accept payments through RexPay without any coding. Can I use RexPay for B2B corporate payments? Yes — RexPay supports internet banking transfers, which is the preferred payment method for Nigerian corporate clients making large business-to-business payments.