Top 10 Best Online Payment Gateways In Nigeria (2023)

The top 10 best online payment gateways in Nigeria this 2023 have helped to ease the way people transact business in the country in recent times. Sending and receiving money in the country has become really easy and very fast due to the emergence of these online payment channels, helping to reduce the amount of time one would have spent in the banking hall if one were to go make payments, enduring the long queues at the banks.

Top 10 Best Online Payment Gateways In Nigeria

There are quite a number of online payment gateway companies in the country today but we shall be focusing on the most popular ones that have impacted many businesses positively, ensuring that it is possible to make local and international payments on many websites without stress.


The following are the 10 best online payment gateways for e-commerce websites and small businesses in Nigeria this 2023 in no particular order:


Interswitch is no doubt one of the best payment gateways in Africa. This payment platform ensures that  merchants receive their money very easily with no stories. It also ensures that people can make both local and foreign transactions with their bank ATM cards without stress. The company’s WebPay or Webpaydirect are some of their digital services that enable merchants receive payments online from interswitch card holders conveniently.


Paystack is a popular online payment gateway company that allows web merchants to accept either credit or debit card payments without any stories from their customers over the internet. Paystack merchants are able to send their money directly to their bank accounts from their Paystack wallet very easily once they have received online payments.

This ensures that this online payment gateway company is very reliable in this line of work. The platform also enables merchants to use payment pages to run online campaigns for their products without the stress of writing codes, with an option to run their subscription business with ease.


GTPay is an online payment gateway that is owned by Guaranty Trust Bank, it is a very secure online payment gateway for e-commerce websites in the country, offering unique solutions to many Nigerians. Using GTPay ensures that the amount agreed upon between customer and merchant is easily debited and the merchants account is credited within 24 hours.


Flutterwave is one of the best online payment gateways that enables banks and businesses to process payments across the African continent. The beauty about the Flutterwave service is that it allows customers to pay for things online in their local currency. This platform ensures the smooth integration of banks and payment service providers so that businesses do not have to take on such expenses and burden.

Their products known as Rave allows website owners to accept debit and credit card payments from customers in almost every country in Africa and they support payment using any of Visa, Verve and MasterCard debit cards. Customers in the United States, Nigeria and South Africa can pay you directly from their bank accounts.


eTranzact is a very popular electronic payment and transaction gateway company in Nigeria and one of the best at that. This platform is very easy to use and it makes sure that merchants and customers carry out their online transactions very securely and smoothly while having the ability to credit multiple accounts all at once in real time.

This top online payment gateway company is present in Nigeria, Kenya, Ghana, South Africa, Zimbabwe and some countries in Europe. They accept Visa and MasterCard issued by Nigerian banks and their innovative services also include POS, internet, ATM and mobile transactions.


SimplePay gives merchants a cheap and reliable online payment option, it was created to help small business owners who cannot afford other more expensive online payment options. If you want to activate SimplePay, you will need to have an active bank account and a valid email address. Setting up SimplePay costs just ₦300 for local payments on Verve or Naira Mastercard, and 1.5 per cent of the amount is deducted as service charge. This also applies to eTranzact and Visa cards.


With VoguePay, you do not require a setup fee to activate your account. If you are a website owner, VoguePay ensures that you easily get your payments for goods and services in all kinds of currencies. Some of their services include internet banking, mobile payment, wallet transfer, Bitcoin payment, to mention but a few. The global coverage of this online payment gateway ensures that you can make online payments and receive money from anyone anywhere in the world even if they do not have an account with VoguePay.


CashEnvoy allows business owners receive their payment online in a very secure way. Their wallet makes it possible for you to easily do your transactions using all kinds of ATM cards that are acceptable in the country. This top online gateway company in Nigeria offers more dynamism in sending money without exposing your financial status and information, and registration to use their platform is free of charge.


GlobalPay is a product of Zenith Bank, it is a web-based payment gateway that allows merchants with websites accept card payments from their customers all over the world. Merchants can receive payments from a wide variety of locally and internationally issued debit, credit and prepaid cards with a one-time integration. This platform accepts MasterCard, Visa, Verve and eTranzact cards.


FirstPay Link is a product of First Bank of Nigeria Limited. This platform integrates merchant websites to allow for internet payments using Interswitch, Visa, Verve and Mastercards debit cards respectively. In order for one to use this service, a set-up fee of about ₦50,000 is all that is required.

Other worthy mentions include:

  • UBA Collect
  • SwitchTellerPay
  • Amplify
  • Remita
  • PayU

These are the most reliable online payment gateways in the country presently.

The Author

Maduawuchi Obialo

Maduawuchi Obialo is the founder of Nigerian Guide and the Editor-in-Chief at Nigerian Infopedia. He is a professional Web Content Developer and a Biochemist.

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