Payment Gateway in Nigeria: 10 Best Companies in Nigeria

Let talk about the easiest ways to make e-payment in Nigeria with the use of credit or debit cards. It’s is obvious that there are various payment gateway platform in Nigeria that provide solution to online e-Payment havoc. Thus making it very easy to buy products and services in Nigeria without leaving the comfort of your room.

When talking about online payment service in Nigeria there are various factors to consider to choose the best. To know which of the companies online payment system is the best e-Payment platforms in Nigeria, some of the factors that need to be considered include security, reliability, dependability, and trustworthiness in huge amount of money is involved.

However, for the purpose of our readers who are interested in online payment solution, most especially in Nigeria. here we would share with you best payment gateways platforms to make e-Payment using your credit or debit card in Nigeria.

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Important of Payment Gateway in Nigeria

The importance of Payment gateway in Nigerian cannot be undermined most especially for online business owners, entrepreneur, some internet users, and blogger. If you find it somehow difficult to understand the importance of online payment service as a Nigerian before you found yourself reading this post, here is an avenue for you to get more knowledge about Nigeria e-Payment service.

Below are the importance of e-Payment companies in Nigeria. It’s advisable you learn them by heart to see reasons why payment gateways are the fastest growing online payment solution in Nigeria.

1. To make an online payment from the comfort of your room

2. It is a quick replacement for international gateway platforms like Payoneer, PayPal, etc

3. It’s one of the best ways for bloggers to run Facebook ads beyond bank limitation

4. Another quickest ways to use same bank ATM for a flagged Facebook ads account using PayU Nigeria payment gateway as an example.

The importance of these online payment gateways goes on and on to the extent of what your mind can accumulate and reason.

Below we share with you best online gateway platforms in Nigeria using your credits and debits card to pay for products and services online without leaving your room.

Payment Gateway in Nigeria: 10 Best Companies in Nigeria

Best Online Payment Gateway in Nigeria

In this section, we’d share with you most popular and notable online payment gateway solutions in Nigeria that provide adequate and effective online security with or without one-time password (OTP).

1. Interswitch Group

Here we’ll start with an interswitch group online payment gateway solution for Nigerian. Interswitch Limited is an integrated payment and transaction processing company that provides technology integration, advisory services, transaction processing and payment infrastructure to government, banks and corporate organizations.

Interswitch, through its Super Switch provides online, real-time transaction switching that enable businesses and individuals have access to their funds across the 24 banks in Nigeria and across a variety of payment channels such as Automated Teller Machines (ATMs), Point of Sale (PoS) terminals, Mobile Phones, Kiosks, Web and Bank Branches.



eTranzact is Nigeria’s first award-winning multi-application and multi-channel electronic transaction switching and payment processing platform. eTranzact has operations in Nigeria, Ghana, Kenya, Zimbabwe, South Africa, Cote d’Ivoire, and UK and is currently expanding operations to more and more countries in the world.

ETranzact was launched in September 2003, and has today evolved into a brand with a global reach extending its innovative services to include products which cut across virtually all aspects of the e-payment space; ATM, Internet, POS, and Mobile. The company currently has operations in six other countries around the world; South Africa, Ghana, Zimbabwe, Kenya, Cote d’Ivoire and the United Kingdom.

Since Inception, eTranzact has deployed its mobile payment solutions to banks and nonbank financial institutions alike and was recently granted the license by the Central Bank of Nigeria to provide Mobile Money services to individuals with a special focus on the unbanked.



CashEnvoy is the safest and most convenient means to make and receive payments online, within Nigeria. is a web application that aids the transfer of money from person-to-merchant using the web application and personal email addresses.

The service allows account owners to send money without sharing financial information, with the flexibility of payment using their bank accounts and debit cards. It is safe because account holders will not have to expose account details on the numerous websites they do business on. Convenient, because users don’t have to carry about cards to process transactions. Apart from using it to pay for goods and services online, it can also be used to donate money to a cause.

CashEnvoy is approved by the Central Bank of Nigeria to process web transactions – BPS/PSP/GEN/PSM/02/010.

CashEnvoy is owned by Electronic Settlement Limited, a limited liability company located in Lagos, Nigeria. An independent, private sector led, limited liability company focused on efficient, secure online services and facilitating the exchange of value between internet users nationwide.

CashEnvoy is a member of Electronic Payment Providers Association of Nigeria.


4UBA UCollect

United Bank of Africa (UBA) Plc is West Africa’s largest banking and financial services group as measured by asset base, number of customers, branch network and profitability. It provides personal and commercial banking, wealth management services, insurance, corporate and investment banking and transaction processing services. The bank employs more than 17,000 staff (Core and support) who serve their over 6 million personal, business, public sector and institutional customers through their offices in Nigeria, Ghana, Cameroon, Cote d’ Ivoire, New York, London and the Cayman Island.

As a leading player in the African financial services sector, the bank’s aspiration is to fly the flag of African excellence within the global financial community and to be a role model to other African businesses.

The United Bank of Africa (UBA) Plc has largely been a Nigerian and West African Bank. As the largest financial services company (by balance sheet size, branch network, customer base and profitability) in West Africa and the biggest listed company in Nigeria (by market capitalization, December 2007).

The group has been recognized as a leader within the financial services industry in the region and a key driving force of the region’s economic development. UBA now has a presence in seven African countries, spanning West, Central, and East Africa, with main operations in Nigeria and Ghana, two of the most vibrant economies of Africa.

Today’s United Bank for Africa Plc (UBA) is the product of the merger of Nigeria’s third (3rd) and fifth (5th) largest banks, namely the old UBA and the erstwhile Standard Trust Bank Plc (STB) respectively, and a subsequent acquisition of the erstwhile Continental Trust Bank Limited (CTB). The union emerged as the first successful corporate combination in the history of Nigerian banking.

UBA’s history dates back to 1948 when the British and French Bank Limited (“BFB”) commenced business in Nigeria and the erstwhile STB and CTB both in 1990. Following Nigeria’s independence from Britain, UBA was incorporated in 1961 to take over the business of BFB.

Although today’s UBA emerged at a time of industry consolidation induced by regulation, the consolidated UBA was borne out of a desire to lead the domestic sector to a new era of global relevance by championing the creation of the Nigerian consumer finance market, leading a private/public sector partnership at supporting the acceleration of Nigeria’s economic development, and growing the institution from a banking to a one-stop financial services institution, while spreading its footprints across Africa to earn the reputation as the face of banking in the continent.

Today, United Bank for Africa Plc is one of Africa’s leading financial institutions offering universal banking to more than 7.2 million customers across 700 Business Offices in 19 African countries. With the presence in New York, London and Paris, UBA is your partner for banking services for Africans and African related businesses globally.



Zenith Bank Plc, a leader in financial services, with headquarters in Nigeria, and subsidiaries in the United Kingdom, Ghana, Sierra Leone, Gambia, and South Africa (Representative Office), offers premium solutions to its teeming customers. We have been growing our customers’ businesses and wealth in the last 20 years and this has since positioned Zenith Bank as a financial institution of choice. Our business is built on our core principle of working in our customers’ best interest.

Over the years, the Zenith brand has become synonymous with the deployment of state-of-the-art technologies in banking. We define service standards in our environment as we are in business to always deliver exceptional services to our ever expanding clientele.


6.  2Checkout (2CO)

2CO is the authorized reseller for thousands of tangible or digital products and services.
Established in 2000 and headquartered in Columbus, Ohio, 2CO provides turnkey e-commerce solutions to thousands of business customers around the world. 2CO’s proprietary technology supports back-office functions including financial reporting, tracking, fraud prevention, affiliate tracking, customer service and sales tracking.

Since inception 2CO has maintained a steady and maintainable growth. The company’s approach is geared towards providing quality service to new and existing clients without feeling the need to expand at a rate that would sacrifice service to our clients.

International Payments

  • 2Checkout’s online processing provides your business the ability to accept payments from customers in over 200 countries.
  • Our customized checkout pages allow your customers to make purchases in any of 8 payment methods, 15 languages, and 26 currencies.
  • Customers can checkout in 15 different languages: Chinese (Traditional), Danish, Dutch, English, French, German, Greek, Italian, Japanese, Norwegian, Portuguese, Slovenian, Spanish (Latin), Spanish (European), Swedish
  • Multiple Currency Options: Accept payments on your site in more than 20+ different currencies from every corner of the world.
  • You can get paid in dozens of currencies and multiple methods including, Electronic Funds Transfer that goes directly to your bank accounts, international Wire Transfer, or a 2Checkout branded Payoneer MasterCard.


7.  Alertpay (Now Payza)

Payza is the leading global online payment platform that specializes in e-commerce processing, corporate disbursements, and remittances for individuals and businesses around the world.

The e-wallet platform provides Payza members worldwide with convenient and flexible loading and withdrawal options, such as localized bank transfers, global bank wires, credit/debit card, checks, prepaid cards, among others.

With over 9 million members, Payza offers its services in 197 countries and in 21 different currencies. Payza is proud to provide its merchants around the globe a complete solution for accepting payments and managing their businesses.

In addition, Payza offers foreign exchange services, fraud screening services, email invoicing, mass and single remittances and business management tools. Payza also provides under-serviced and emerging markets with an affordable and convenient way to receive international payments, thereby bolstering local economies in a global marketplace.

8. Voguepay

VoguePay is a unique online payment processor whose vision is to offer buyers and sellers a secure and easy-to-use means of transacting business online.
VoguePay allows site owners to receive payment for their goods and services on their website without any setup fee.
VoguePay distinguishes itself from other online payment processors with its array of features that are guided by its core values:
– Security
– User Friendliness
– Reliability
VoguePay aims at continuous improvement of its services and consistent introduction of new value-adding features and maintenance/upgrading of existing ones.
We believe that receiving money on your website should be easy enough for anyone to implement, this explains why we have carefully created several tools to make integration of VoguePay into your site a snap.
VoguePay International is owned and managed by Vogue Web Solution.


These are the best Payment gateways in Nigeria as at the time of publishing this post. In case we missed out your favourite online payment companies kindly drop a comment and we’d take a look at. Also, you can include your online payment solution company in this post. Kindly contact us and use the title of this post as email subject and we’d contact you on what next is to be done.

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