Top Payment Gateways in Nigeria (2025)

Finding the right payment gateway is essential for businesses that want to accept payments smoothly. In this article, we’ll highlight five top payment processors in Nigeria—Nomba, Paystack, Monnify, Flutterwave, and Budpay—exploring their key checkout features, pricing, and how they help businesses process transactions efficiently.

Nomba Payment Gateway

Nomba Checkout makes it easy for businesses in Nigeria to accept payments seamlessly. It supports bank transfers and major debit cards for both local and international payments, giving customers multiple ways to pay securely.

Beyond just processing payments, Nomba also comes with a flexible API that lets businesses create custom checkout payment links to fit their unique needs. Whether you're a small business or a growing enterprise, Nomba Checkout helps you streamline payments, improve efficiency, and give your customers a smooth and secure checkout experience.

Checkout Features

• Accept Local and International payment

• Multiple payment options (cards, transfers, USSD, QR codes, BNPL)

• Business management tools

• API for online payments and integrations

• Instant Settlement and payment reconciliation

• Card tokenization for recurring payment

• Checkout plugins for WooCommerce, Shopify and Opencart

Pricing

Paystack Payment Gateway

[Paystack] makes it easy for businesses in Nigeria to accept payments quickly and securely. It supports local and international cards, bank transfers, USSD, Apple Pay, and mobile money, giving customers multiple payment options.

With a developer-friendly API, Paystack allows businesses to integrate payments seamlessly into websites and apps. Whether you're a startup or a large business, Paystack ensures smooth transactions, fraud protection, and a hassle-free checkout experience.

Checkout Features

• Accept Local and International payments

• Multiple payment options (cards, bank transfers, USSD, Apple Pay, mobile money)

• Advanced fraud protection

• Developer-friendly API for online payments

• Instant settlement and automated reconciliation

• Subscription billing and card tokenization

• E-commerce plugins for WooCommerce, Shopify, and Magento

Pricing

Monify Payment Gateway

Monnify provides a payment gateway designed to simplify payment collections for businesses in Nigeria. This checkout gateway facilitates easy payment collection through multiple channels, including bank transfers, card payments, and USSD.

It also provides businesses with dedicated virtual accounts, allowing customers to pay directly into unique account numbers assigned to them. With automatic reconciliation and real-time transaction tracking, Monnify helps businesses manage payments efficiently.

Checkout Features

• Multiple payment options (cards, transfers, USSD, Pay with Phone Number)

• Instant payment confirmation and auto-reconciliation

• API for seamless payment integrations

• Secure and fraud-protected transactions

Pricing

##Flutterwave Flutterwave is a robust payment platform that enables businesses to accept payments from customers worldwide. It supports multiple payment methods, including cards, bank transfers, USSD, mobile wallets, and PayPal.

With its scalable API, Flutterwave allows businesses to integrate payments effortlessly, whether through a website, mobile app, or even a no-code payment link. It’s a great option for businesses looking to expand globally.

Checkout Features

• Accept payments globally (cards, transfers, USSD, mobile money)

• Multiple currency support

• API for custom payment integrations

• Instant settlements and financial reporting tools

• Subscription billing and recurring payments

• E-commerce plugins for Shopify, WooCommerce

Pricing

You can also check here for all pricing based on country

Budpay

BudPay's checkout gateway is a seamless payment solution that enables businesses to accept payments through API integrations. It supports multiple payment methods, including cards, bank transfers, USSD, and mobile money, giving customers flexible and secure ways to pay. This feature helps businesses streamline transactions, improve checkout experiences, and integrate payments effortlessly into their platforms.

Checkout Features

• Accept Local and International payments

• Multiple payment options (cards, transfers, USSD, Momo )

• API for online payments and integrations

• Subscription billing and card tokenization

• Plugins for WordPress, Shopify, Magento, Drupal

Pricing

Conclusion

At the end of the day, the right payment gateway comes down to what works best for your business. Whether you need seamless bank transfers, multiple checkout options, or quick settlements, Nomba, Paystack, Monnify, Flutterwave, and BudPay all offer solid solutions.

If you’re looking for an easy-to-use payment processor with flexible integrations in Nigeria, Nomba is a great choice. Whatever your business size or needs, picking the right gateway ensures smooth transactions, happy customers, and steady growth.

So, explore your options, compare the features, and choose the one that helps you get paid—quickly and hassle-free!