Best payment gateways in Nigeria (October 2026)

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Online payment gateways in Nigeria, ranked on what you pay on a typical sale worth USD 50 (NGN 66,496), local payment methods and fixed fees.

The ranking

1. 1

   Paystack

   Lowest fee on a typical sale

   Stripe-owned African gateway for cards, bank transfers and mobile money, with no setup or monthly fees.

   Local payment methodsNo setup or monthly fee

   Local fee capped at NGN 2,000; NGN 100 waived under NGN 2,500

   Visit Paystack
   100/100

   Local: 1.5% + NGN 100, capped at NGN 2,000

   Fee on a NGN 66,496 sale: NGN 1,097.45 · source
2. 2

   Flutterwave

   Strong alternative

   Pan-African gateway for cards, bank transfers, USSD and mobile money across 13+ African markets.

   Local payment methodsNo setup or monthly fee: check on site

   2% = 1.4% transaction + 0.6% platform fee; plus 7.5% VAT on fees

   Visit Flutterwave
   79/100

   Local: 2%

   Fee on a NGN 66,496 sale: NGN 1,329.93 · source

Compare fees

Score: fee on a USD 50 sale 35, published fees 20, local payment methods 20, no setup or monthly fee 15, international card fee published 10.