Top 10 Best Online Payment Gateways in Nigeria

Online Payment Processors in Nigeria

Online payments in the past was always an herculean task, which limited eCommerce growth in Nigeria, because clients could not pay easily for goods online. Online merchants in Nigeria delivered goods by receiving payment on delivery or customers pay into their bank account before their goods is delivered to them. But it then becomes inconvenient for the customer to go and queue in the bank when the goods or service involved is less than 5000naira.

But now there has been a tremendous transformation in the market with the introduction of payment gateways, now a merchant in a remote town in delta, can set up his web store, accept payments and deliver goods to any part of Nigeria. The list if not meant to review each of the payment gateways, neither are we recommending any of one of them. It is for informational purpose to make you aware of their services.

Here is the top 10 list for Payment Gateways used to receive payments online in Nigeria

1. Interswitch Webpay

Interswitch provides payment services to businesses and individuals wishing to receive payment and to cardholders wishing to pay for goods and services over the internet. A web merchant can receive online payment from cardholders via Interswitch WebPay or Webpaydirect.

2. Etranzact

eTranzact WebConnect is a solution developed to accept and process payment on behalf of the merchant. The solution is ported or integrated on eTranzact merchant website. It accepts all cards issued locally and international, cards like Visa and Master Cards. It has the ability to credit multiple account simultaneously online real-time.

ETranzact was launched in September 2003, and has today evolved into a brand with 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.

3. GTPay

GTPay is a secure internet payment gateway developed to facilitate payments online using debit Cards issued by banks on the Interswitch Network. GTPay plugs in seamlessly with the existing websites of customers and acts as a bridge between the customer’s website and financial institutions (Banks). The payment solution provides a convenient alternative payment channel to all customers.
Ensures transaction amount is deducted from cards instantly and merchant’s account credited within 24 hours
GTPay is a product of GTBank

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4. 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.
Internet business owners can make and receive online payments from anyone with debit and credit cards whether they have VoguePay account or not.

5. SimplePay

SimplePayTM allows any business or consumer with an e-mail address and a bank account to securely, conveniently and cost-effectively send and receive payments online or through their mobile phone. SimplePay for merchants is ideally suited for small businesses, online merchants, individuals, and others currently underserved by traditional payment systems.
SimplePayTM was Founded 2013. Started operations in 2014 in Abuja, Nigeria.

6. CashEnvoy 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.

7. GlobalPay

GlobalPAY is a web-based payment gateway that enables merchants with functional websites accept card payments from customers worldwide. With a one-time integration, merchants can receive payments from a wide variety of locally and internationally issued debit, credit and prepaid cards. GlobalPAY accepts MasterCard, Visa, Verve and Etranzact cards. GlobalPay is a product of Zenith Bank

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8. UBA UCollect

U-Collect is a solution which allows merchants to accept card payments from customers who desire to do online purchases using their various cards. It is a gateway that connects merchants, cardholders, and financial institutions, offering the assurance of secure transactions and timely payments. U-Collect is a Consolidated Internet Payment Gateway Solution which integrates multiple payment solutions available in Nigeria – VISA, Verve, MasterCard and e-Tranzact. UBA UCollect is a product of UBA.

9. Switchtellerpay

SwitchtellerPay is a brand of Emrinet Mobile LTD. Their e-payment portal provides other payment services solution for Bill payment (pay TV, utility bills, etc.) Bulk messaging. Money receiving and Transfer is instant and real time, top up of airtime of all networks.
Switchtellerpay payment gateway reduces risk, low transaction cost, streamlines business processes, and tries to centralize financial controls, and secures payment transactions using state – of – the art technology solution.

10. FirstPayLink

FirstPayLink is a multi-platform Internet payment gateway, that integrates to merchant websites to allow Internet payments using InterSwitch, eTranzact, Visa and MasterCard cards. FirstPayLink is a product of First Bank.

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Add a Comment
  1. Adebukola

    This is a well researched compilation, definitely online payment space in Nigeria is becoming very interesting, i stumbled on a new payment solution in Nigeria called PayForte, it works exactly like paypal but specially designed for nigerians, you can check it out at it will be nice if you can add them also to your write up, It will help a lot of people that read your post. Thanks

  2. Dupe

    My recent search showed other online payment gateways not included in the post. I noticed the interswitch and VoguePay are included in other recent lists. Are the rest no longer working?

    We are a startup fashion site and want something to help us accept payment so I was wondering what option to pick between Interswitch and VoguePay, for someone with low budget.

    Please advise. Thank you.

    1. Akano Toluwani

      i will suggest voguepay because of it simplicity of implementation and the support. The setup fee is free

  3. Adraheem

    Is it possible to allow buyers to pay for a webpage through their airtime credit?

  4. kenneth

    I used GTpay , voguepay and switchtellerpay
    they are all nice

    1. Bamiey

      I agree with you, especially about VoguePay. The major attractions to me is their low transaction fees which was the lowest i found during my search online. Luckily, they also had free plugin for my website so I was able to save the cost of hiring a developer.

  5. Osahon

    Hello, i work in the SME team in Interswitch. If you ever need interswitch webpay or quickteller reach me on
    i can make the process of acquiring stress free.

    1. Hello Osahon,
      Your contact details were removed.
      Kindly give your official interswitch email address if you intend to help people.

      1. Diamond

        Good! welldone job vic. it appears Osahon is not ready for selfless help by not providing his official email here.

    2. fred

      your number pls

  6. Majority of these so called processors route their data through Interswitch

  7. Lanre Basamta

    Really? what about Remita then?

  8. titanic

    nice post, but what about “payza” (alertpay).

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