131 Payments API
to build your startup
in Nigeria.

Compare 131 verified Payments APIs by pricing, documentation, and sandbox support — everything Nigerian developers and startups need to pick the right provider and start integrating today.

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OpenWatch Favicon

OpenWatch

Track security incidents & corporate risk across Nigerian locations →

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T-Ship (Terminal Africa) Favicon

T-Ship (Terminal Africa)

Ship domestically & internationally through multiple carriers →

Not sure which one to pick? See the full Payments API comparison table →

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Abstract Phone Validation API

Abstract Phone Validation API

Validate phone numbers & detect carrier across 190+ countries

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Access Bank API

Access Bank API

Collect payments via Access Bank's partner integrations

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Afriex API

Afriex API

Send cross-border payouts & collections across Africa

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Airtel Money API

Airtel Money API

Collect & disburse mobile money across 14+ African countries

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Airwallex API

Airwallex API

Hold multi-currency accounts & send cross-border payouts

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Alat by Wema API

Alat by Wema API

Process payments, accounts & embedded finance via Alat by Wema

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Allawee Card Issuance API

Allawee Card Issuance API

Issue payment cards, open accounts & process transfers via one API

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Anchor API

Anchor API

Launch accounts, cards, transfers & lending without building core banking

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APITemplate.io Image Generation

APITemplate.io Image Generation

Generate images & PDFs from HTML/CSS or visual templates

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AWS SNS (Simple Notification Service)

AWS SNS (Simple Notification Service)

Fan out AWS notifications to SMS, push, email & more

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AZA Finance API

AZA Finance API

Send, receive & convert money across Africa and beyond

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Banky API

Banky API

Accept direct bank transfer payments without card details

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Bloc

Bloc

Embed virtual accounts, transfers & bills payment via a CBN-licensed bank

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Breet API

Breet API

Accept crypto payments & auto-settle to Nigerian bank accounts

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Budpay API

Budpay API

Pay airtime, electricity & insurance bills in one API

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Busha

Busha

Build crypto on/off-ramps & accept crypto payments across Africa

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Busha Commerce API

Busha Commerce API

Accept BTC, ETH & USDT payments with NGN settlement in Nigeria

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BuyPower API

BuyPower API

Pay electricity bills & access energy data for Nigerian DisCos

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CarbonIVS

CarbonIVS

Issue virtual accounts, send payouts & verify BVN or NIN identities

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CashEnvoy

CashEnvoy

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

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CBI Monie

CBI Monie

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

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Ceviant Payments

Ceviant Payments

Process payments through infrastructure licensed in both Nigeria and the UK

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ClickSend

ClickSend

Send SMS, email, voice, fax & postcards from one API

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ClubKonnect API

ClubKonnect API

Buy airtime, data & pay bills reliably in Nigeria

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CredPal API

CredPal API

Offer buy-now-pay-later plans up to 6 months

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CropSense AI API

CropSense AI API

Detect crop disease & monitor health with AI for African farms

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DataVTU API

DataVTU API

Buy cheap data, airtime & cable subscriptions

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Discord Webhooks & API

Discord Webhooks & API

Send automated messages to Discord channels

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Dodo Payments API

Dodo Payments API

Accept international payments with tax handled as Merchant of Record

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Dojah Address Verification API

Dojah Address Verification API

Verify Nigerian customer addresses in real time

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Duplo

Duplo

Automate B2B payments, expense management & NRS-compliant e-invoicing

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DusuPay API

DusuPay API

Accept mobile money payments across 15 African countries

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eBulkSMS API

eBulkSMS API

Send bulk & flash SMS with delivery tracking

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Elipa

Elipa

Handle local deposits & withdrawals for FX brokers in Nigeria and Uganda

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Epic Pay

Epic Pay

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

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ErcasPay

ErcasPay

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

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eTranzact

eTranzact

Power payment infrastructure for banks, government agencies & telcos

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Eventim Nigeria

Eventim Nigeria

Sell tickets & manage events for Nigeria's entertainment market

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Eversend API

Eversend API

Transfer money & pay bills across multiple African currencies

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Fincra

Fincra

Collect local & cross-border payments across 50+ currencies

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Flutterwave API

Flutterwave API

Accept payments across Africa in 150+ countries

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GIG Logistics API

GIG Logistics API

Deliver parcels door-to-door across all 36 Nigerian states

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Google Calendar API

Google Calendar API

Create, read & sync events with Google Calendar

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GT Pay (GTPay)

GT Pay (GTPay)

Accept Verve card payments through a legacy gateway backed by GTBank

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Holidays API by Holidays API

Holidays API by Holidays API

Access historical & upcoming holidays for 200+ countries

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ImaliPay API

ImaliPay API

Add credit scoring, BNPL & micro-savings to your app

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Interswitch

Interswitch

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

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IP2WHOIS

IP2WHOIS

Look up domain ownership & registration data via WHOIS

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Ivorypay API

Ivorypay API

Accept crypto payments & settle in local currency across Africa

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Jostpay API

Jostpay API

Process payments, bill payments & mobile top-ups

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JuheAPI Cellid Geolocation

JuheAPI Cellid Geolocation

Locate devices using cell tower data instead of GPS

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JuheAPI Dark Watermark

JuheAPI Dark Watermark

Embed invisible watermarks into images for copyright protection

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JuheAPI Number Verify

JuheAPI Number Verify

Verify format, carrier & type of Chinese phone numbers

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Klasha API

Klasha API

Accept international payments & convert currencies for African merchants

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Konga Logistics API

Konga Logistics API

Book same-day & next-day deliveries via Konga's Kxpress network

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Kora Payments API

Kora Payments API

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

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Korapay Exchange Rate API

Korapay Exchange Rate API

Get real-time naira exchange rates from a licensed Nigerian processor

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Kuda Open API

Kuda Open API

Embed bank transfers, virtual accounts & bill payments

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Layer3Cloud

Layer3Cloud

Host cloud storage & servers in Nigerian data centers

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Mainstack API

Mainstack API

Accept payments & manage payouts for creators and SMEs

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Miden Banking as a Service API

Miden Banking as a Service API

Issue cards, manage expenses & send payouts across Sub-Saharan Africa

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Monica Blockchain APIs

Monica Blockchain APIs

Access blockchain nodes & payment infrastructure for African fintech

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Moniepoint MFB API

Moniepoint MFB API

Process payments & manage virtual accounts via Moniepoint

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Monnify

Monnify

Accept payments with same-day settlement & competitive transfer fees

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Mono Connect

Mono Connect

Link bank accounts to access transaction history & income data

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MTN MoMo API

MTN MoMo API

Collect, disburse & send remittances via MTN Mobile Money

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Multigate API

Multigate API

Exchange currency & process cross-border payments for businesses

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Naira Exchange Rates API

Naira Exchange Rates API

Access CBN, bank & bureau de change naira exchange rates for free

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NIBSS Interbank Settlement API

NIBSS Interbank Settlement API

Settle interbank transfers & connect Nigerian banks instantly

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Nigeria Public Holidays API

Nigeria Public Holidays API

Get Nigeria's federal public holidays including moveable dates

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Nium Payout API

Nium Payout API

Send payouts, collect payments & issue cards globally

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Nomba API

Nomba API

Accept checkout payments & manage POS transfers in Nigeria

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Nomba Global Payout API

Nomba Global Payout API

Collect Naira or stablecoin & disburse to international markets

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Novu

Novu

Send open-source notifications across email, SMS, push & chat

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NowNow API

NowNow API

Send P2P transfers & pay bills across Africa

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NumlookupAPI Phone Validation

NumlookupAPI Phone Validation

Look up carrier, location & line type for phone numbers

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Oddsmagnet API

Oddsmagnet API

Aggregate real-time odds from dozens of bookmakers worldwide

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Onafriq (Baxi)

Onafriq (Baxi)

Collect cash payments through Nigeria's 460,000+ agent network

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OnePipe API

OnePipe API

Connect to Nigerian banks & payment processors via one API

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OPay

OPay

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

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Open Holidays API

Open Holidays API

Access free, community-maintained public holiday data for multiple countries

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Paga

Paga

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

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Pairgate API

Pairgate API

Buy airtime & cheap data through a modern API

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PalmPay API

PalmPay API

Process payments, VTU & bill payments for merchants

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Pantry API

Pantry API

Store & retrieve JSON data with no backend setup

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Parallex Bank API

Parallex Bank API

Process payments, payouts & recurring billing via Parallex Bank

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Partna API

Partna API

Send stablecoin & B2B payments across Africa

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Payaza API

Payaza API

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

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Paybeta API

Paybeta API

Pay airtime, data & electricity bills across all DISCOs

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Payoneer Payout API

Payoneer Payout API

Disburse payouts to recipients in 200+ countries

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Paystack API

Paystack API

Accept payments with Nigeria's most widely adopted gateway

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PayVessel Payments & Virtual Cards API

PayVessel Payments & Virtual Cards API

Collect payments, issue cards & verify identity in one Nigerian API

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PhishTank API

PhishTank API

Check URLs against a verified phishing database

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Polar.sh API

Polar.sh API

Bill subscriptions & usage-based pricing for SaaS products

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Property24.com

Property24.com

Search & list properties across Southern Africa

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Providus Bank API

Providus Bank API

Create virtual accounts & process transfers via Providus Bank

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Pulsedive

Pulsedive

Get enriched threat intelligence on IPs, domains & URLs

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Puppeteer

Puppeteer

Automate headless Chrome for scraping, testing & PDF generation

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Raenest API

Raenest API

Send cross-border remittances from anywhere to Africa

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Rapyd Payout API

Rapyd Payout API

Collect & disburse payments across 100+ countries

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Remita

Remita

Collect payments & integrate IPPIS payroll for government agencies

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RexPay (Global Accelerex)

RexPay (Global Accelerex)

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

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RoutePay Fintech

RoutePay Fintech

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

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SeerBit

SeerBit

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

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Selenium Web Scraping

Selenium Web Scraping

Automate browsers for scraping, testing & form filling

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SPay Business Solutions

SPay Business Solutions

Accept online card & bank payments without complex setup

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Squad

Squad

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

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Square API

Square API

Build point-of-sale & online payment systems

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Stellas Microfinance Bank API

Stellas Microfinance Bank API

Process payments & collections for microfinance operations

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Sterling Bank (sPay) API

Sterling Bank (sPay) API

Verify BVN & collect payments via Sterling Bank

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Stripe

Stripe

Accept payments, subscriptions & card issuing for global markets

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Sudo Africa Cards & Accounts API

Sudo Africa Cards & Accounts API

Build multi-currency virtual & physical card products across Africa

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Tendar API

Tendar API

Offer BNPL checkout & manage installment payments

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Thunes Payout API

Thunes Payout API

Disburse payouts to bank accounts & wallets in 140 countries

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Travelstart API

Travelstart API

Search & book African flights and hotels

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Twilio SendGrid

Twilio SendGrid

Send transactional & marketing emails at scale with delivery analytics

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Unlimit (formerly CardPay)

Unlimit (formerly CardPay)

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

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VATLayer API

VATLayer API

Validate EU VAT numbers & retrieve current VAT rates

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VelvPay

VelvPay

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

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Veriphone Phone Validation

Veriphone Phone Validation

Validate phone numbers & look up carriers across 249 countries

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VFD

VFD

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

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VTpass API

VTpass API

Pay bills, airtime & data through one Nigerian API

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VTU.ng API

VTU.ng API

Buy airtime, data & cable subscriptions in Nigeria

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VTUGate API

VTUGate API

Buy airtime, data & electricity with backup provider redundancy

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Vtunaija API

Vtunaija API

Buy airtime, data & exam pins for JAMB, WAEC & NECO

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WeCanTrack Attribution API

WeCanTrack Attribution API

Track conversions across multiple affiliate networks

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Wireless Card Issuing & USSD API

Wireless Card Issuing & USSD API

Issue payment cards & process USSD payments across Africa

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Woven Finance

Woven Finance

Issue multi-bank virtual accounts to power wallets for microfinance banks

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Xpress Payment Solutions API

Xpress Payment Solutions API

Process payments, collections & settlements for Nigerian merchants

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Yellow Card API

Yellow Card API

Convert crypto to fiat for African merchants & P2P trading

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Zone (formerly AppZone)

Zone (formerly AppZone)

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