Being able to receive payment online means using a payment processor which involves using electronic funds, web processing solution as well as database updating when the process is successful. It means the transfer of funds from your buyer’s account to your account through a trusted platform. Now for a global audience, there are several ways which have evolved that has allowed merchants to be able to receive money online ranging from merchant’s own merchant account to third party payment processing.

For many Small, Medium and Large Scale businesses, accepting payments online offers major benefits. Customers accepting online paymentincreasingly expect this facility and it can improve your cashflow significantly. Although, people believe it’s easy to accept cheques or invoices for your online sales and to process payments in the traditional way, that’s why we examine why every business should accept online payment. Infact, this is necessary because buyers often use the internet for a speedy service as most sales are paid for with credit and debit cards nowadays. To accept cards online in Nigeria and Globally, you will have to make special banking arrangements.

As an entrepreneur, it’s one thing to be able to conceive an online business idea, create the virtual platform, market your product or service but how do you receive your payment online in Nigeria? If you’re already thinking about this then it probably means that you have figured out what to sell to people so receiving the online payment is what is next. How does one receive payments online? As a professional website development company in Nigeria, our Webcentre Team at have conducted this research, and present the  Top 10 Online Processing Platforms in Nigeria below:



gtbank_logoGTPAY is a one-stop, safe, secure and convenient web payment solution that enables merchants receive payments from both local and international payment cards.


  • International Acceptance: GTPAY accepts both locally and internationally issued cards including Interswitch, MasterCard and VISA.
  • Timely transaction processing: Merchants get value next day after transaction takes place.
  • GTPAY monitoring log: GTPAY comes with a unique, online monitoring console that allows merchants view transactions as they occur.
  • Reduced sign-on fee: GTBank is a certified developer partner so we take on GTPAY integration for our merchants and as such the integration fee is waived for them.


  • Convenient means of payment
  • Acceptance of both local and international cards
  • Global reach for merchants
  • Increased sales
  • Promotes cashless transactions
  • Instant value for successful transactions

Guaranty Trust Bank plc is a foremost Nigerian financial institution with vast business outlays spanning Anglophone West Africa and the United Kingdom. The Bank presently has an Asset Base of over 2 Trillion Naira, shareholders funds of over 200 Billion Naira and employs over 5,000 people in Nigeria, Cote dIvoire, Gambia, Ghana, Liberia, Sierra Leone and the United Kingdom.

The Bank has a corporate banking bias and strong service culture that have enabled it record consistent year on year growth in clientele base and key financial indices since its inception in 1990.



2.  INTERSWITCH InternetPay

interswitch_logoInterswitch has a secure, reliable, and scalable platform for electronic transaction processing in a multi-institution, multi-functional, Online/Offline environment. We design, implement and support payment infrastructure that deliver the highest level of availability and transaction integrity. Our systems accept transactions from a diverse range of delivery payment channels, intelligently switching them to a variety of external networks.

Interswitchs Electronic Funds Transfer (EFT) switching application, supports major networks including Verve, Mastercard, and China Union Pay, besides other proprietary networks. The infrastructure is based on open-system architecture and uses relational database technology, offering clientsportability, and reliability as they expand.Our open-systems architecture reduces/eliminates the considerable expense, of paying for proprietary hardware, software, and PCIDSS compliance.
Interswitchs robust back office systems provide comprehensive settlement and reconciliation services along with free associated reports.

Interswitch currently offers 3 Internet Payment options.

  • Paydirect – web with reporting,
  • Paydirect – web without reporting
  • Quickteller
  • Paydirect – web (with reporting)
  • Paydirect-web (with reporting) Integrates directly unto your website and Interswitch will provide elaborate reporting (dependent on integration specifications and reporting requirements), to enable you know who paid what, when, which bank it was paid into and what amount was paid online, real time from anywhere in the world.
  • Paydirect – web (without reporting)
  • Paydirect – Web (without reporting) – Integrates directly unto your website enabling funds to be received into your account, but no elaborate reporting is provided. Paydirect – Web (without reporting) offers cash deposit information and is often the product of choice for medium and small businesses.
  • Quickteller (with generic reporting)
  • Quickteller (with generic reporting) – is a payment platform that works like a payment shop or supermarket, where you can make online payments for various products and services.
  • You may communicate that your services are available at and/or decide to place a link on your website that redirects to so your customers and clients can make payments using the platform.
  • Quickteller is great for Internet savvy users who are already used to making payments online as itprovides them the option of enagaging with a host of value added services such as buying airline tickets, online recharge, payment for utility bills and a host of other services.


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_logoeTranzact is a multi-application, multi-network and multi-channel electronic payment platform that supports all major networks including AMEX, VISA and MasterCard. eTranzact Platform is designed and built as a credible alternative to all transaction which are currently cash or check based and the platform capability is such that any solution that is driven by consumer payment can be automated on the platform.

eTranzact as a Switch processes payment requests from multiple channels – Web, ATM,POS, mobile, etc using automated procedures. The switching platform validates transaction requests after running security checks on the payment cards. The system ensures there are no security breaches during the transaction processing by encrpting all card information using tripleDES technology, thus protecting the card information. Our payment processing service helps organizations to:

Reduce the administrative overhead of cheque printing and returned cheques
Generate new Revenue streams

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 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’voire and United Kingdom.

Since Inception, eTranzact has deployed its mobile payment solutions to banks and non bank 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.





simplepay_logoSimplePay Payment Gateway allows any business or consumer with an email address to securely, conveniently and cost-effectively send and receive payments online. Our network builds on the existing financial infrastructure of bank accounts and credit cards to create a global, real-time payment solution. We deliver a product ideally suited for small businesses, online merchants, individuals and others currently underserved by traditional payment mechanisms.

Simple Pay’s service, which lets users send payments for free, can be used from PCs or web-enabled mobile phones.

SimplePay launched this service so that anyone with an email account can send or receive credits. Each credit is valued at N1.00. SimplePay Payment Gateway members may redeem their credits for the cash equivalency at any time by selling these credits back to SimplePay Payment Gateway, in the form of a withdrawal from the system.

You can believe there should be one universal online payment system and will strongly compete to be the provider of choice.

SimplePay Payment Gateway will however suspend any account that is found to be involved in any fraudulent or malicious activity, including impersonating a representative or attempting to gain other users passwords. Any decision made by, its officers, or representatives will be final.




cashenvoy_logoCashEnvoy is the safest, easiest and most convenient way to make payment, send money and get paid online. It is an e-commerce business that allows payments and money transfers to be made through the Internet. A Cash Envoy account can be funded with Nigerian debit cards or through online bank transfer from specific local banks.

CashEnvoy performs payment processing for online vendors, auction sites, and other commercial users. It charges a transaction fee for receiving money (a percentage of the amount sent plus an additional fixed amount).

CashEnvoy is owned by Electronic Settlement Limited, an independent, private sector led, limited liability Company located in Lagos Nigeria focused on providing secure and convenient online solutions.

  • Merchants, receive Money Online
  • Easily pay and settle other merchants on your platform.
  • No integration, withdrawal or subscription fees!
  • Easy to use, with complete transaction records.
  • Receive payment and donations online with ease.
  • Accept payment on your online store from debit cards and CashEnvoy account holders.

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 for 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.




6. UBA UCollect

[UPDATE] Recently, New UBA Customers complain that they open account with them based on our advise, unfortunately International card processing is not activated for them. We advise you officially write/email UBA to inquire if they will activate International card processing for you before opening account.


The UBA U-Collect is an Internet Payment Gateway service which allows Merchants accept online payments for goods and services. This solution accepts multiple card types available in Nigeria – VISA, Verve, MasterCard and e-Tranzact.

U-Collect on the web is the same as POS but on the web for businesses that have presence online. An example of U-Collect is what you see on Aero page when you select to pay for airline ticket online.

The platform support International VISA and MasterCard for selected industries.

United Bank of Africa (UBA) Plc is the 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 banks 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 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 presence in New York, London and Paris, UBA is your partner for banking services for Africans and African related businesses globally.





Zenith-Bank-logoGlobalPay is a web-based payment gateway that enables you accept payments on your website from customers all over the world. With a one-time integration, you can receive payments from a wide variety of locally and internationally issued credit and debit cards. This solution gives your business a global outlook and vastly expands your potential customer base.

If you’re open for business on the web, you might as well be open for business to the world, and for that, GlobalPay is the perfect solution.


  • Acceptance of locally and internationally issued cards – Interswitch, eTranzact, VISA and Mastercard.
  • Online log for monitoring transactions – View transactions as they occur
  • Real-time online payments processing – Receive payments into your account immediately the payments are made.
  • Multiple card acceptance from one-off integration – One setup fee and one integration enables you accept multiple cards. No need to integrate separately for each card type.
  • Real-time transaction reporting and management – Automatically generated records of transactions as they occur enable you keep track of transactions.


  • Provides global reach for your business.
  • No delays in receiving your money
  • Multiple card acceptances from one integration.
  • Reduces administrative overhead
  • Increases your purchasing power.
  • Enhances security via 3-D Security implementation.
  • Provides extreme convenience.
  • Increases sales & cashless transactions

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.






8.  2Checkout (2CO)

2checkout2CO 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.



Other Online Payment systems that works in Nigeria

Not all online payment methods available that will be suitable for Nigeria but after doing a bit of research, we found out following payment processors would be operational for a Nigerian Merchant and Audience if you intend receiving money online in Nigeria:

  • AlertPay
  • Liberty Reserve
  • 2checkout
  • VTN
  • Softpurse

Apart from Alertpay, Liberty reserve(Lr) and 2checkout which is owned by foreign bigger companies, the others are owned to Nigerian companies and their trading currency is in the naira.



9.   Alertpay (Now Payza)
alertpay_logoThe main currency with which your account will be domiciled is in the US dollars and for alertpay (which was later aquired and now Payza), you could withdraw to your Nigerian domiciliary account. Payza also affords you the ability to receive payments not just from account holders but also from credit card holders who may want to pay you with their credit cards. But in setting an Payza credit card platform, you would have to submit your website for verification and approval. Also it appears credit card users from Nigeria would have to verify their credit cards once for a start before they begin using it on your proposed website.

One good thing about Payza is that it uses Instant Payment notification to alert you or your ipn handler that a payment has been made and you could use it to update your inventory as well as send an email (behind the scenes) to your buyer. Alertpay is now known as 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.




10   Fastecash, VTN and Softpurse
vtn_logoThese ones hold your e-currency in the naira and you can easily make payments and withdrawals by just using your bank account. It allows you to receive money from members who hold accounts with the same processor. One dynamic feature of Fastecash is that it also uses an IPN once you receive payment thus enabling you to satisfy customer’s virtual purchases using an ipn handler. We have not used Softpurse yet but it is also a growing means of online payment in Nigeria especially among recharge card online vendors. VTN can be used also for sending and receiving naira online and is also allows you to fund your Graphcard account which could be used for a lot of purposes such as a virtual credit card, US phone number, US address and so on.

Receiving payment online as a Seller
Now assuming you are interested in receiving payment online as a seller, you would need to have something like a store to dispaly your goods, get people to buy and filfil their orders.
Well first in order to be able to receive payment online in Nigeria, you would of course need to have the following:

  • Something to sell
  • An online platform e.g website or vendor
  • Payment processor
  • Deliver orders

Receiving payment online from friends and supporters
While most people who receive a lot of money online do so from their buyers, we should also note that one could receive payment online too from friends and families who may want to support you in one way or the other. This may not require any serious setting up of an online platform like a website so all you may need is an email account and then hold an account with the payment receiver such as Alertpal, lr, softpures and others. You could use the platforms to request for funds from your contacts throughout the world and wherever the payment system is operational. People could send you money in minutes and when such payment comes in, you would normally get an email notification about it. One thing you should also need to do is to make sure that the notification doesn’t go into spam by adding your payment processor’s email into your addresss book. If you receive money in US dollars, you could cash the e-currency into your bank account using bank wire or cheque and if it is naira, you could withdraw with your Savings, Current or Corporate account in Nigeria.

As more and more people in Nigeria get to use the internet, especially with the recent introduction of the Cashless or Cash Lite Policy of the Central Bank of Nigeria, chances are that there would be more ways of receiving money online and it would only encourage better service from the existing service providers.

With all this features available and accessible to you, why don’t you get something started online today? With an online business, you don’t need a big store, furniture, large manpower to get online and sell your goods and services to the Nigerian and International audience. Whether you are a full time Student, full time housewife, NYSC Corper, Unemployed youth, Under-employed among others, you should think of a need you can meet, develop it and sell to the global audience of Hundreds of Millions.


About, a Proudly Nigerian, Truly International company has established itself as a industry leading ecommerce website development company. Our highly professional and flexible ecommerce platforms enables businesses to easily build and manage rich, multi-store and multi-device ecommerce websites with a significantly higher ROI. is trusted by leading National brands including Arts of Nigeria, Makinde Motors, Rosehill Group, Chartered Institute Customer Relationship Management (CICRM),  Asokoro Island Limited, Association of Environmental Impact of Nigeria, and other companies worldwide – see our customer testimonials here. professional website designers and web developers provides integrated ecommerce (online store) site development,  website development, website redevelopment, web hosting, domain registration, Secured Socket Layer (SSL) support and installation, Online payment Integration to your website. We have designed some affordable packages based on customers request to make begining y our project easier.

Our Digital payments & collections services are complimentary, we help organisations with receiveing payments online and Bank branch (you can receive payment from all Nigeria commercial banks and some microfinance banks),Online, ATM, Mobile APP and others in Nigeria. To cut bank charges, minimise leakages, reduce waste of management time and improve profitability, you can also enjoy cheaper/lower bank charges when you pay your staff salaries, suppliers, affiliates, partners, distributors etc) – making use of services such as AUTOPAY, PAYDIRECT Bank Branch & WebWEBPAY and other relevant digital payment solutions to run a successful business.

Stanbic IBTC Bank Plc, Interswitch Limited and United Bank for Africa Plc among others have signed agreement with us, so we can help you facilitate and fast-track the setup process  FREE if you desire, click here to contact us.

If your concept is a means of making continuous residual income thru online membership website, ediaro eMembership is a custom built solution that manages online membership registration, members records, renewal (email & SMS alert),restrict contents access,ecommerce,hotel & event booking,donation,card payment, forum etc.It is designed to compliment existing professional associations, clubs and society process to make them successfull or work as a standalone online membership site.

It all starts with the quality infrastructure – partners with some of the best, tested and trusted companies across the globe to provide you with the reliability and performance needed for ecommerce store. Our ecommerce web servers support many merchant account services. You can even get a great deal by buying service packages directly from  us. And, if you ever require support, our team of skilled technicians are available to assist when you need them.

To develop or re-develop a website to accept online payment, contact ediaro TEAM today to setup your business, Club and Society or Company ecommerce website for you and start accepting payment online realtime. Click here to request a website price Quote, visit our webcentre, email or call (+234) 080-9502-9999  for more information.

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About ediaro. com

For over 5 years (a member of Fladio International Nigeria Limited) has provided web solutions and advertising for public and private sectors. Our main division is Computer and Information Technology. Thanks to our flexible approach towards the development of new solutions, we have often been at the inception of digital revolution and incorporating the most recent technologies. When you partner with, you are associating with one of Africa's best company for your ICT needs, we are the 1st Nigerian Company listed on the Economic Community for West African States (ECOWAS) ECOBIZ computer session in 2010. Focusing on quality, reliability and design of our products and services has brought us customers and partnership with local and Multinational Companies such as United Bank for Africa Plc (UBA), Interswitch Limited, Stanbic IBTC Bank Plc among others. Our current customer portfolio covers individuals, companies and Government agencies across the globe including Nigeria, India, United Kingdom, Mozambique and United States of America.

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324 Replies to “Top 10 Online Payment Processing Platforms in Nigeria”

komolafe, 04 Apr 2013

Gr8 list. Which of this payment processor is the cheapest to setup and use, that would process payment for me and remit my money straight to my bank account in Nigeria the same day?, 04 Apr 2013

We recommend UBA UCollect. It’s free to deploy the UCollect. After every daily transactions, the money would be remitted to your UBA Corporate Bank account after 24 hours.

Marshall Unduemi, 17 Jul 2016

How do i integrate Ucollect. Thank you, 24 Jul 2016

We have replied to you via email, please check and revert. Alternatively, engage the service of our developers at

Agility, 13 May 2017

Hi, powerful and detailed article. Pls i will also like to integrate uba ucollect on my wordpress site. How can i go about it. thanks., 28 Aug 2017

You can check out some of our wordpress plugins at and see if you get one that meets your need, if not email for custom plugin.

Rabbi, 02 Oct 2018

I need your assistance. Get me with 08071506xxx my whatsap so dt we can talk ASAP, 02 Oct 2018

@Rabbi, We have discussed, we advise you check our ebook on which gives you various international payment processors you can use to receive payments from Nigeria.

johnson emmanuel, 12 May 2017

I am sending this message from Europe to expose these companies and let everyone know that they are passing bad names to Nigerian online payment companies to all European people.
I want to let the world know that SimplePay and CashEnvoy are 419 scam and they don’t pay the company or foundation that work with them and they scam foundations and keep all the donations and that is how they work.
They block the clients account for them not to get access to the money and by this they keep the money. When you call them they will not answer your call and will not make the payment to the owners. Therefore, the money is still with them and it is never returned to the owner nor is it released for the client to use the money. If you are lucky to contact them all they do is lie and make up stories that they have contacted the people to claim the money at their bank, which is another lie and I have proof of all of this with emails and lies and more lies that thay have made up to try to FRAUD people by any means.
Furthermore, the address that SimplePay put on the website is not the address in Lagos. They are practically contactless and I want to let the world know about these two companies.
I am going to put them and their irregularities in newspapers and CNN.

ediarosms. com, 04 Jun 2019

please explain what transpired?

Raphmike, 15 May 2014

pls, i need U-Collect so urgent i have a project to work on. contact me here: 08037084075

Prince, 18 May 2013

Tnx for the list. Which are the cheapest and easiest to setup., 18 May 2013

The setting up, cost and integration process varies. For example, UBA UCollect, Simplepay, Cashenvoy are free.

Hence, to decide which one to use is determined by the existing development platform, shopping cart and availability of integration plugin or document. Please check those factors before selecting the payment gateway website.

We recently signed an MOU with UBA to develop simple, free ecommerce website for customers and integrate UBA UCollect free. This comes with our usual professional support service,user manual and knowledge base for all customers, hence you wouldn’t need to worry about the coding, cart and others – interestingly it’s FREE. You can contact us at, visit to setup your website or inquire further information .

Manuels Johnson, 03 Jun 2013

As for the UBA platform, “The platform support International VISA and MasterCard for selected industries.
Please how do you mean selected industries?

Administrator, 05 Jun 2013

Hello Manuels,
UBA UCollect supports virtually all websites that transact in morally standard businesses and services. But some sites that are not supported are websites dealing in pornography, gambling, illegal firearms etc.

Muhammad, 09 Jul 2018

Pls Admin, am an android application developer, i want to integrate payment gateway in one of the apps am currently developing, can i use UBA UCollect and what are the procedures or is there a better alternative than it?, 01 Aug 2018

Dear Muhammad, thank you for your feedack. The bank will give you their API to use in integration UCollect. Meanwhile, there are many options of gateway, please check our recent annual reviews for more information.

prince, 29 Oct 2015

How much is UBA service charge per transaction, 29 Oct 2015

MasterCard/Visa (local): 1.5% of transaction amount

MasterCard/Visa (International) 4% of transaction amount – No Cap

Fred, 18 Apr 2016

do they use token for card transactions?, 18 Apr 2016

Yes, some Banks use token for card online transaction authorisation.

Requirements for Setting up an Ecommerce Website |, 28 May 2013

[…] For more information, you can check our Top 10 Online Payment processing platforms in Nigeria at […]

Sunnie, 09 Jun 2013


wHat fee does UBA charge per transaction for their U-Collect? Please advice, 11 Jun 2013

UBA Charges the industry standard of 1.5% per transaction.

Guide to selling online |, 23 Jun 2013

[…] is collected however, they’ll be taken back to your store. On the other hand, you can opt for a payment gateway which will process and route the credit card information to your merchant account (bank) – […]

anonymous, 10 Jul 2013

Please which of this payment processors can accept international cards, and is it all of them that you have to own a current account before you can operate?, 10 Jul 2013

UBA UCollect and simplepay are confirmed to accept local and international cards.

You can integrate simplepay to a website without having a current account.

philip, 18 Jul 2013

hi please i would like to know can i use the Ucollect or any other of your platform to pay for the facebook ad which i have to set up and its quite urgent. thanks and kindly let me know the best channel to use and also the set up cost. thanks and well done for your comprehensive list. am quite familiar with almost all of them, but then using them for international transaction and the likes of facebook payment is quite a headache. pls kindly advice., 22 Jul 2013

Hello Phillip,
You can integrate virtually all of them to facebook to accept local and international payments. But you’ll need the app developed or download it.
You can contact your website developer (or ediaro Webcentre Team for support and integration.

Online Payment Services in Nigeria: Let your customers Buy how they like – Accept Debit/Credit cards and Sell online |, 31 Aug 2013

[…] Payment service providers in Nigeria includes SIMPLEPAY (, VOGUEPAY ( CASHENVOY ( among others, visit our review of Top 10 Online Payment Processing Platforms in Nigeria. […]

steel, 10 Sep 2013


I use bigcommerce and they do not have any Nigerian Payment gateways integrated in their software. How can i have any of the above payment gateways integrated in my bigcommerce cart?, 10 Sep 2013

Hello Steel,
A custom payment gateway has to be developed for your custom shopping cart – if there’s non there. You can contact your website developer or hire Programmers at .

wale, 30 Sep 2013

Do access bank also have any payment gateway like that of Gtpay, Globalpay and Ucollect

Administrator, 20 Oct 2013

Yes, Access Bank have their payment gateway.

Chiemeka, 29 Sep 2017

Hello, please what do you think about Access bank’s payment gateway?

ediarosms. com, 04 Jun 2019

please elaborate on what aspect you want to know about them?

Edikan, 21 Oct 2013

I found your article about the various online payment systems in Nigeria and i want to commend your company for the nice research you have carried out. And i am interested in UBA UCollect.

Please i will like you to tell me the procedures of integrating this online payment system into a website build with Content Management System like WordPress. And how E-Commerce pages can be generated with this payment system.

Are there some particular wordpress themes or pluginns that supports Nigerian payment system? Considering the fact that so many E-Commerce plugins supports only Paypal and Other Credit cards without Nigerians included.

Do they generate their own E-Commerce pages like Shopping Cart and products pages as provided by some wordpress E-Commerce themes/plugins.

Please i want to clarify myself about how they operate.

Administrator, 21 Oct 2013

Hello Edikan,

You can integrate UBA UCollect to wordpress and some other Content management systems – all you have to do is develop and integrate plugin that would post the transactions to the UBA UCollect payment gateway. Your website developer should be able to review and advice you on if it would conflict with the Themes or plugins you have installed on your wordpress.

You have multiple options, some would cost you nothing, some little money and some would cost you greatly – depending on your products, services, hosting company and expertise of your website developer.

Sammavel, 14 Jan 2015

glad to be here,love your reviews on online payment processors great deal, firstly, i would like to make enquiries regarding opening paypal or payza account from Nigeria and successfully operate it without problems receiving payments from abroad safelyand the costs attached .
Lastly,Happy New Year!

Sam TEAM, 13 Mar 2015

Hello Sam,
Unfortunately you cannot receive payment in Nigeria with Paypal; you can only send money.

Meanwhile, you can setup a merchant account on payza to start receiving payment online.

dapo, 29 Oct 2013

Nice list out there. Am interested in the uba payment gateway. Am working with drupal 7. How much will collect for developing the uba plugin for my site.

Administrator, 31 Oct 2013

We can integrate payment gateway to Drupal 7, but we have to know more details about this project, kindly reply to the email sent to you.

miko, 29 Oct 2013

Really want to know if you can integrate UBA UCollect to my ngo site for donation,I run a chariity home,and please let me know all I need, kind of account i need to set up and please I want to know if the donation will have limit.

Administrator, 31 Oct 2013

Hello Miko,
You need to open a Corporate account with UBA to be able to integrate UBA UCollect to your NGO website. In addition, the donation does not have any limit.

As discussed on the Telephone, we’ll furnish you with the necessary forms and guide you thru the steps you need to setup your website’; you’ll start accepting donation online realtime in a short time.

Obed Aikins, 15 Jul 2017

I’m in Ghana and i have an NGO Website Created with WordPress.
I have partners overseas who would want to donate to my Charity Organization through a gateway that accepts international credit/visa/master cards through my website. I have a UBA Ghana account already but its not cooperate account. how can i set up UBA Ucollect on my website considering that i’m operating from Ghana, 16 Jul 2017

Hello Obed,
Please contact UBA Ghana to open an account and link activate it for international card acceptance.

Afterwards, contact your developer to integrate the payment gateway to your website via the API to be supplied by UBA. Alternatively, you can engage our experienced programmers to handle it for you at a fee.

Lola, 03 Nov 2013


My need is actually for a platform with a more aesthetically pleasing interface. And of course, one with a good price. UBA’s Ucollect sounds good with it’s free integration option, only thing is I don’t have an account with them and the length of time it takes to open business accounts (I have 2 others now) is just a painful wait. I would like to have this integration done before the 2 week period it normally takes.

I do have a GTBank account and enquired about using their payment platform but it cost N150,000 which my company cannot afford at the moment (and when the time comes that we can afford to pay that amount, I think we would rather put that money into other areas of the business than integration). Did I read clearly that you can have this integration fee waived? Please can I have some more info on this? And if possible, can you share any costs involved.


Administrator, 11 Nov 2013

Hello Lola,
We will integrate the UBA UCollect to your website free (depending on the site complexity though). You need to have a UBA Corporate account to use the UBA UCollect – because that’s where the money paid to you will be cleared into.

We have sent you a more detailed email, please check and reply appropriately.

joseph ogun, 11 Nov 2013

l Urgent reply will be appreciated pls. have an ecommerce web site,but am UK based, and l want people to be able to buy the goods in Nigeria and pay,l see that us recommened UBA UCollect in most of ur reaply, if l open the account wil the bank generate code for me to use for me like the paypal . thanks

Administrator, 12 Nov 2013

Hello Joseph,
We recommend UBA UCollect because of their Payment gateway local and international acceptability feature, FREE Deployment; and integration, easy process among others.

Meanwhile, the payment gateway integration is different, please check your email for our response.

Doggy Johnson, 16 Nov 2013

What about VoguePay? I’ve been using them for a while now and they are very good. I’m confuss becasue I didn’t see them in your list

Administrator, 17 Nov 2013

Hello Johnson,
Voguepay didn’t make it to this year list as at the time of this review. Hopefully they might make it next year.

Collins, 20 Nov 2013

Hello Admin,

Where can i find U-Collect link/page on UBA website? I have surf UBA website, but i can’t anything like U-Collect. I only see U-Mobile, U-Direct and U-Pay.

Please reply ASAP.

Administrator, 22 Nov 2014

Hello Collins,
You can find information about UBA UCollect online ubagroup website at

bola oyeyemi, 29 Nov 2013

can UBA Ucollect be used for work-at home transactions? thanks

Administrator, 30 Nov 2013

The UBA UCollect like other payment gateway can work for work at home transactions. You may want to check our articles on: “Why every Business Should Accept Online Payments – to learn more.

peter, 02 Dec 2013

how much will it cost for your services to integrate our website with an online payment company. we have a corporate account with Ecobank and do not wish to open another acct but wish to have payments for our services lodged in our acct. pls send me a detailed report. thanks

Administrator, 02 Dec 2013

As earlier discussed on the phone, kindly check your email for our response.

OLIYIDE JOHN, 03 Dec 2013

Good-day Admin,

Please, am working on a project that will need an online payment both locally (NIGERIA) and internationally.

Please which of these payments would you suggest and their cost implications.

Administrator, 03 Dec 2013

All the payment gateways above supports Nigerian Cards.

Meanwhile, for international payment processing, we will suggest UBA Ucollect – they are the only one that has been confirmed to support local and international and it is free.

Meanwhile, Zenith Global pay is also to support International cards, but you might have to reconfirm this if it’s now working properly for international cards. The cost implication is N250,000 (Two Hundred and Fifty Thousand Naira Only).

Simplepay is also supposed to support International cards, because they are powered by Zenith Global Pay for international payment processing. The cost implication for this too is FREE.

Green, 06 Dec 2013

I want to accept payment on my website from all over Africa. I will prefer the funds be remitted to my account in the US, to avoid the unstable currency rates of Naira.
We don’t want to have to deal with the hassle of black market.

Thank you

Administrator, 14 Dec 2013

Hello Green,
You have many choices to accept payment and get your money remitted to your Bank account. The choice you select depends on your budget, Business model, how fast you want to receive the fund paid in your Bank account, ability to meet up with their requirements, among other factors.

Hence, please furnish us with more details to be able to give you suggestions.

We await your response.

john, 07 Dec 2013

I am thinking of setting up a website that will have a link to Paypal but I was shocked to realize that Nigeria was ommitted from the list of countries that could use Paypal. From experience, Paypal seem most popular for internet payment and you can register for free. Is this applicable to many of this list? I have never come across any of these platforms. How can I integrate one into my website and which one do you recommend that will be free like Paypal

Administrator, 14 Dec 2013

UBA UCollect and Simplepay are free and you can use them to accept local and international cards online.

bolanle, 08 Dec 2013

You did not include STanbic IBTC CIPG (Consolidated Internet Payment Gateway). it incorporates all payment processors for all mastercard, visa card, etranzact and verve transactions .

cards accepted are both local and international.

You may contact them for more info so you can update your website.

Administrator, 14 Dec 2013

Thanks for the information, maybe they might meet up our 2014 list.

Charles, 30 Dec 2013

I want to run a multi levels marketing company online which will warms that money is wired to my website users everyday. How do I go about wiring money to their account whenever they complete reffering targets?

Note this wiring my be upto paying 100, 000 user at a go?

Please enlighten me more.

I really love this platform…..keep it up.

Administrator, 03 Jan 2014

Kindly furnish us more details via email – to be able to respond to you extensively.

Charles, 30 Dec 2013

A rather timely post for me, however I’m looking for a gateway that will allow a website to automate crediting cash back to a user or account as well – does anyone know of any systems out there that can do that?

Administrator, 04 Jan 2014

Hello Samuel, An email has been sent to you, kindly check and respond.

Olalekan Balogun, 31 Dec 2013

Great Post.

1. Please which of this payment gateways can allow me have a custom designed payment page (UI).

2. And in a case of an hotel website, where by a guest makes reservation for one of the hotel rooms for a specific date. Eventually if the guest couldn’t make it to the country to occupy the room, do any of this payment gateway, have support to make refund back to the guest card.

Administrator, 03 Jan 2014

1. UBA UCollect gives you the option to blend the colour code to suit your existing website interface.

2. Most/All the payment gateways will allow you make refund back to the customer Debit/Credit card – it’s a Standard global practice.

Samuel, 02 Jan 2014

Hello Admin, pls can i use the UBA card on Blogger? If Yes, pls mail me details and cost on getting it work for my blog to receive donations. Thanks.

Administrator, 13 May 2014

Raphael Obadina, 04 Jan 2014

I am looking to integrate the best payment gateway for my e-commerce website (not yet live). It will be able to accept both local and international credit/debit card: MasterCard, Visa, Verve and Interswitch. In the case of unsatisfactory report by a customer and will want to refund back to card the money was charged from.

Administrator, 03 Apr 2014

Hello Raphael,
Refund are normally made to the card used to place the order – it’s a global practice.

Ayoola, 19 Jan 2014

I am looking forward to embed buy now button to my website but don’t know how to do it. Can you help me out to fix this? You can also teach me. I prefer using



Administrator, 13 May 2014

Hello Ayoola,
Kindly Check your email for details.

temidayo, 25 Jan 2014

Can i get more details about UBA UCollect, particularly on the cost to start up

Abu, 27 Jan 2014


Well Done for this fantastic pieces of free information! If I had my way I would commend you for it. However, it would appear that you are promoting UBA’s platform much more that the others. We already have a business relationship with GTB, First Bank and FIDELITY.

1. Does the GTB Platform work very well with WORDPRESS? If yes, what is the initial setup cost?

2. Does First Bank or Fidelity have a platform? If yes, what are the cost implications and how would you rate them as an expert in the field?

Administrator, 13 May 2014

We are not promoting UBA Platform, they are the one that fits the questions the customers were asking as at that time, watch out for our 2014 review to see who wins with evidence.

1. GTBank GTPay platform support wordpress. The initial setup cost is N75,000 and integration cost varies depending on the developer, contact our web developers team at .

2. Yes, First Bank and Fidelity Bank has payment gateways. Please Contact Them directly for more details.

bawo, 04 Feb 2014

hello Admin, thanks for putting up such a great write up.
please i run a sport tipping websites, where sports tips are be offered to the betting public, but would love to integrate a payment gateway so as to start monetizing my paid membership categories of users.
but then again upon checking the list and seeing your recommendation to replies, i found that you insist mostly on Uba Ucollect.
but from what i noticed they don’t accept anything related to (gambling, firearms and other elicit businesses) please i would like to know if they would consider mine to be in any of those sections.
as what i offer out there in the marketplace is a solution and not a problem.
thanks for your time and expected reply.

Administrator, 13 May 2014

Hello Bawo,
We are sorry, but the Bank will not power a Betting Site.

Bob Latif, 05 Feb 2014

Hi and thanks for a great list. I am looking to develop a Magento based ecommerce site selling in Nigeria and Ghana. I am starting my research on gateways. Which would you recommend that has the most comprehensive integration with Magento, accepting local and international cards, American Express and is able to process refunds directly from Magento. If needed could you do such an integration?



Administrator, 03 Apr 2014

Hello Bob,
Yes, we can do the integration for various payment processors. Which of payment processor are you considering using?

slastyles, 10 Feb 2014

Lovely article.

Dee, 11 Feb 2014

I need help, I need a payment solution that people can use. Payment options like using your airtime to pay for services, Short codes aren’t as popular as they used to be, but I run a charity and I want a platform where people can donate instatly through their phones, through sms, or through a simple web payment solution. Which would you suggest as an easy and cost effective platform?

Administrator, 19 Mar 2014

We have verified this and affirmed that Simplepay can offer this service.

In addition, the Managing Director noted that they are working on adding particular merchants and items on their mobile app so people can pay for it. You can contact Simplepay at, 11 Feb 2014

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Oluwafemi, 24 Feb 2014

Thank U for the post. can U recommend for me the easiest and safer means to transfer money from Nigeria to an account in Estonia? Nigeria’s bank Charges to transfer money outside is quite high. Your insight will be most useful.

Administrator, 19 Mar 2014

We Suggest you check different banks and compare the Bank Charges for transfers.

Alternatively, request if the person you are paying can accept online payment with ATM Card (Visa and Mastercard) and pay them online with your Nigerian Issued, internationally acceptable cards.

ola, 24 Mar 2014

is there any instant epayment site that accept visa card .i mean instant transaction

Administrator, 03 Apr 2014

Yes, many of the payment processors accept Visa Cards, just that the day the fund will be settled to your Bank account varies from processor to processor. Averagely, it takes 24hours to settle funds to your Bank Account.

Dr. Fred L. Harrison, Jr., 01 Apr 2014

Thank you for your post. In the future a contractor in North America will be able to use a Mastercard ATM drawn on any bank in Nigeria, yes?

Administrator, 03 Apr 2014

We don’t know if we get your question right.

But many Nigerian Banks now support local and international cards, including China Union Pay. We don’t know if this answers our question.

mikkey, 02 Apr 2014

Hello, thanks for the detailed info provided. You just saved me from opening too many tabs looking for info.
Pls, can u help in providing each banks transaction fee. and which you would recommend.
Thanks and God bless you.

Administrator, 04 Apr 2014

We will provide the transaction charges in the upcoming 2014 edition of the payment processors review. Watch out for it – it will be more elaborate.

ola, 20 Apr 2014

Hello, pls can you integrate UCollect with Prestashop? I urgently need payment collection for my website.

Also can u help in providing each banks transaction fee. and which you would recommend

Administrator, 12 May 2014

We can help you integrate UBA UCollect, GTBank GTPay, Zenith Global Pay among others with Prestashop. Inbox us at to get started.

ola, 20 Apr 2014

Hello, pls can you integrate UCollect with Prestashop? I urgently need payment collection for my website.

Administrator, 06 Jun 2014

Hello Ola,
We can integrate UCollect and other payment processors on Prestashop.

Mike, 28 May 2014

I am surprise that VoguePay was excluded on your list. They seems to be the best in West Africa, I suggest that you do your search analytic to confirm. Even Level 39 in the U.K have acknowledge them. Great news for Nigerians and Africa.

Administrator, 13 Jul 2014

Hello Mike,
Thanks for your information, we are considering Voguepay in our ongoing review for Top 10 Online Payment Processing Platforms in Nigeria 2014

Worgu Chisom, 05 Jun 2014

I want to run a paid hotspot service in Nigeria. Please, what are my best options in getting a cheap online/cardless payment options for customers at my portal

Worgu Chisom

Administrator, 06 Jun 2014

Hello Worgu,
You have different options listed above, but to accept payment with stiff budget, you can consider Simplepay, Voguepay and Cashenvoy.

Uchay, 09 Jun 2014

Hello Adbulazeez,

You need to take a look at Remita solution.

Check it out as it can do much more than most solutions on the market.


Administrator, 13 Jul 2014

Thanks for your recommendation Uchay, we are considering in our next review, we have officially contacted them and expecting their feedback.

Kasuwancin Zamani, 25 Jun 2014

This an exotic information. I ‘ve been searching for it, now i found it & satified. Lots of thanks to Abdulazeez Idiaro & many other contributors.

Administrator, 01 Jul 2014

Thank Kasuwancin, we appreciate.

Review for Top 10 Online Payment Processing Platforms in Nigeria |, 01 Jul 2014

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Review for Top 10 Online Payment Processing Platforms in Nigeria 2014 |, 01 Jul 2014

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victor obinna, 12 Jul 2014

U guys are great.I need information on different banks intergration ,their prices and the best ones now.tanks

Administrator, 13 Jul 2014

Hello Victor,
We are currently reviewing payment processors for the “Top 10 Online Payment Processing Platforms in Nigeria 2014” glimpse available online at: . We will release a comprehensive result soon. Watch out.

Administrator, 19 Jul 2014

Official Launching of ediaro Payment Gateway
ediaro Payment Gateway is an ideal solution for you to start your online payment processing business, this enables your customers accept payment for goods and services online using your Payment Processing Gateway…

Ochuko Tonukari, 14 Aug 2014

Once we open a corporate account with UBA, can we begin to enjoy the benefit of integrating UBA UCollect into our website if we have a good web developer, without having to pay other fees?

I am asking this question because, we already have a corporate account with GTBank, and now that we discover that Ucollect is viable for both local and international web-transaction, we are asking to know if we can begin the integration process after we have open a corporate account with UBA? Or are there other things to be done, and fees to be paid? Kindly let me know other processes outside having a corporate account with UBA? TEAM, 07 Feb 2015

You need to have a corporate account with the bank, have a website with a standard SSL installed on it. UBA doesn’t charge any other fee for UCollect.

shola, 17 Aug 2014

Thanks for your inside. I m planning on building a website for my business
* can your company do that for me
* how much will it cost to build it with WordPress
* how long will it take

Administrator, 17 Aug 2014

Yes we can develop you an ecommerce website.


Emmanuel, 02 Sep 2014

hi admin
I would like to ask if these mentioned payment processors do offer recurring monthly payment services for customers who have members who pay monthly subscriptions, and if they do which of them does it.
how can I get a ecommerce site

Administrator, 19 Sep 2014

Hello Emmanuel,
Most of them don’t offer re-curring payments, we suggest you ask them directly – should incase they’ve made any update in recent time. Don’t hesitate to share the information with us if you get a feedback.

Alix, 26 Sep 2014


Every one can any one tell me that company called Elot pay ( ) genuine or not

Please reply soon


Quadri Opeyemi, 08 Oct 2014

This is a great research work.

But I think the operators of some of these mobile payment systems need to make their apps compatible with other phones with GPRS.

Mobile payment apps shouldn’t just be for the users of smart phones.

It is when this is done we can actually say user experience is met.

segunola, 10 Oct 2014

Please I want to integrate with paid membership pro on wordpress which of this can be easily used? TEAM, 07 Feb 2015

Hello Segun,
All the payment Processor can be used for Membership pro, depending on the professionalism of your website developer

DON HABEEB, 15 Oct 2014

Hi, I run an sms website and also a web hosting channel , I am going into online store soon
Please can furnish me with a preferable easy and effective payment solution
I will need more help from you on wb development kindly contact me so I can explain further what I want

Administrator, 18 Oct 2014

Dear Don, kindly check your email – on how we can commence.

Ify, 21 Oct 2014

Hi, We built a website but we have been having difficulty with the integration of payment gateway, can we get free integration for UBA U collect? I need a response on this ASAP.

Administrator, 05 Dec 2014

We can help you integrate UBA UCollect to your website, please send us more details via email to:

Samson joseph, 29 Oct 2014

Please, can i use UBA collect to buy goods or invest outside Nigeria?

Administrator, 01 Nov 2014

UBA UCollect is used to accept payment for goods and services and not to buy goods.

Shiko Biko, 19 Nov 2014

Looking for a payment processor that will do bank transfer to unbanked users, and bank users.
also that will accept SMS payments at the lowest fee.
and also to accept online payments(epayments)….in Nigeria/Ghana/ and strong in rest of africa.

what would you recommend? Thanks!

Shiko Biko, 19 Nov 2014

Looking for a payment processor that will do bank transfer to unbanked users, and bank users. by that i mean , in/out transactions. TEAM, 13 Mar 2015

Interswich has a solution that can meet your custom need, you can contact them for more information.

In addition, you can use a combination of internet banking, mobile money and transfer to ATM.

Johnson, 01 Dec 2014

Thanks for your inside. I m planning
on building a website for my
business that accept both local and international cards.
* can your company do that for me
* how much will it cost to build it
* how long will it take.

Administrator, 01 Dec 2014

Dear Johnson,
We can help you develop an ecommerce website to start accepting payments online just like many other customers, kindly check your email for ediaro Project intake form – fill and email it to us to get started.


sane, 04 Dec 2014

where is voguepay? are these guys not reliable? How come they don’t make the list?

Administrator, 05 Dec 2014

Voguepay are reliable. They just didn’t make it to the 2013 list.

puja guha, 19 Dec 2014

can u able to give any info on elot pay. can u help me with an info , who is the best payment processes, for out side of Nigeria, like india or asia . i need a good payment processer , i am indian TEAM, 20 Dec 2014

Hello Puja,
We don’t know much about elot pay, please make more inquiry about them.

There are many options, but you can try the likes of 2checkout – because of their global outlook.

Unfortunately, this review is targeted for Nigerians by Nigerians, other alternative payment processors will also be available for people in that region if you conduct more indept research.

William, 21 Dec 2014

I was not aware that UBA had their own payment gateway. This is good information TEAM, 24 Dec 2014

Yes UBA Does.

Chris George, 21 Dec 2014


I observed that the GTPay is a good gateway. But, I observed that the gateway has payment issues, where customers are not able to make payments successfully. Also, it selects cards. Why and what would you suggest and how can you help me? TEAM, 24 Dec 2014

Hello Chris,
Many issues can cause a payment gateway not to accept a card:
1. Some Bank Cards might not be activated for online transactions,
2. Card details might not be entered completely, e.g. GTBank Mastercard and some Banks write the last 4digits number on the Interswitch reflective logo which some customer don’t see.
3. Some cards require Verfied by Visa – VISA CARDS, Mastercard Secure Code – MASTERCARD and Safetoken/Hardware/Soft Token – for INTERSWTICH cards, some customers don’t know about this.

Among other issues.

Hence, we suggest you put simple FAQ or likely issues customers can have on your website where customers can see it when making payment. You can even make it in form of a picture with arrows pointing to the likely issues – to make them more informed.

egbede gideon, 23 Dec 2014

One is a scam, and till now they ran away with my huge $$$ and no response again from them what so ever. Well am planing on building 2 websites, one like, and integrate Gtbank gtpay on it and the other that will have ecommerce site with prestashop and still with gtpay. Kindly furnish me with the requirements per website starting from domain and host to integration. For now I have used both uba ucollect and gtpay on international visa and master and I can assure people that gtpay is 100% the best. Pls this is needed fast, so try to quote me early. So I know where to start. Take a look at that elotpay and all its features before replying. Thanks and waiting TEAM, 24 Dec 2014

Hello Egbede Gideon,
We have contacted on your behalf, kindly furnish us with more detailed information about your elotpay account your allegation of fraud is about – for us to investigate and take necessary actions.

Meanwhile, we have sent you an email on your new websites, reply appropriately.

We await your response.

egbede gideon, 25 Dec 2014

Well thanks for contacting them on my behalf, but I doubt you will get any response from them. Cos since 6wks now, the ran away, and switched off there phones. They don’t even reply mails again atall. I have $2200 in the account, and who knows what next?. What do you want me to furnish you with? TEAM, 07 Jan 2015

Hello Egbede,
We have contacted them, but they have not replied till now, can you please send us evidence of transactions that transpired between you and them, anything you can lay your hand on can be useful – this will enable us take up the issue with relevant law enforcement agencies.

We implore you to get an official Police report at the nearest Station to facilitate our processing.

egbede gideon, 25 Dec 2014

Thanks for contacting them, but I doubt you will get any response from them. What info do you want from me.Thank you

Abdulazeez Idiaro, 07 Jan 2015

We need your account, transaction details and total amount they are due to pay you., 30 Dec 2014

Thank you for your interest in annual Top 10 Online Payment Processing and aggregator platforms in Nigeria. Your support has made us the most authoritative platform for online payment processing in Nigeria today and we thank you for that.

We are pleased to inform you that the “Top 10 Online Payment Processing Platforms in Nigeria 2014” has just been released. Check out NEW ranking of online Payment Processor/Aggregator topping the list in Nigeria. This is available online at:

Bonny Mekwunye, 03 Jan 2015

Good morning. Please it is possible to have a comprehensive list of E-pay providers in Nigeria? I tried to check on CBN site, but these coys are not there. Can you help? Greetings TEAM, 03 Jan 2015

Hello Bonny,
We are sorrry, we don’t have such list.

Daniel, 07 Jan 2015

Is there any mobile phone payment gateway in Nigeria to accept payment through phone recharge credit.pls advise thanks TEAM, 07 Jan 2015

Non we are aware of for now

Kevin Jones, 10 Jan 2015

which of these payment gateway will be good for online payment from American, Canada and UK customers. I owned a Technical Online Support company and since i have been using PAYPAL but i want to make use of nigerian payment gateway to get my interest transferred . Suggest me please the one to use for the Tech Support business .. TEAM, 13 Mar 2015

Accepting payment in Nigeria is simple, we suggest that you check out our Top 10 Online Payment Processing Platforms in Nigeria 2014 – – we believe you will make better informed decision with it.

oluwafemi, 21 Jan 2015

Good morning, I do like to know about 3D secured or OTP, most of all time I try to shop online with my Naira Debit Card, I always encounter problem doing that With OTP verification Code, before getting my OTP text message most of time I run out of time, my debit card was once blocked for that, is there a secured payment gateway that does not ask for one time password.
Please advice. TEAM, 21 Jan 2015

Dear Oluwafemi, most of the Nigerian payment processors use 3d secured or OTP as a second level of security for your safety. In addition, selecting payment processors is the work of the merchant selling the product/service and not for you to choose. Hence, you need to know how to register and use the OTP.

What is the Interswitch Safetoken Service?
This is a system that generates a 6-8 digit One-Time-Password (OTP) whenever a transaction is initiated via the Interswitch Web Payment Platform.
The customer’s card would have been previously linked to his phone number for him/her to utilize this service. At the point of initiating a transaction, the customer may receive an OTP via hardware/software devices, grid cards or SMS and then he is required to input this OTP on the web payment platform in order to complete the payment.

The OTP is authorized by the Strong Authentication Server residing either at the switch or at the issuing bank and the transaction is completed as required.

How can I register for the Safetoken service on the ATM?
To register for the service, follow the prompt
Go to the nearest ATM, and insert your ATM card
Input your 4-digit PINand press Enter
Select your bank account type eg Savingsor Current
Select the ‘Quickteller’ option from the ATM menu screen
Select ‘Pay Bills’ from the Quickteller menu list on the ATM screen
Select ‘Others’ for the bill payment menu option list
Enter ‘322222”as the Biller Code
Enter your Phone Numberas the Customer Reference Number and select ‘Proceed’
You will get a display “Do you want to make this payment?” Amount Due:N1
DO NOT edit the amount to be paid
Click on “Pay amount due”
You will then get a confirmation page indicating the registration was successful

What do I do when I do not get an SMS with an OTP after requesting for one?
Send a mail to for assistance in making sure you get your OTP or dial a short code *322*0# to proceed to getting an OTP.

For more information, visit the interswitch Safetoken faq at:

Oyewale-freeman Williams, 02 Feb 2015

I’m starting up a gambling website, and I need a platform for payment, I would like to know which payment platform supports this kind of business and is cheap to start and operate, thanks for you anticipated timely feedback. TEAM, 07 Feb 2015

We are sorry, we don’t know any of the Nigerian payment processor that currently support Gambling website.

Olusola, 04 Feb 2015

Great job guys. Please is there an international payment solution for individuals like Paypal, Moneybookers (Skrills) that allows Nigerians to receive payments? TEAM, 04 Feb 2015

You can try cashenvoy.

ochagwu cletus, 19 Feb 2015

how can i integrate UBA U-collect to prestashop if i open the account with uba because am planing to bring up an e-commerce. thanks

Alagbe John, 13 Mar 2015

I will need help how to setup payment gateway on my NGO, I will like to talk to you on phon TEAM, 13 Mar 2015

Hello Alagbe,
We have replied to your email, kindly check and reply.

Kenneth Bulus, 23 Mar 2015

I am interested in finding a payment company that allows reoccurring billing. Is there one that works with Nigerian companies to allow reoccurring billing without the customer having to every month or when ever payment is due, manually pay? TEAM, 07 Apr 2015

Non at the moment.

But you can consider using 2checkout, it’s a US Based company, but accepts reoccuring billing and support Nigerian Banks Visa and Mastercard.

Sanusi, 28 Mar 2015

Dear Sir, i ve a partner in business which are about establishing a payment kiosk in Nigeria, and thy are asking me of payment service company, also can u tell me more on how to start up a payment kiosk in Nigeria? TEAM, 28 Mar 2015

Hello Sanusi,
What did you mean by a payment kiosk, can you be more elaborate to enable us advise you properly. Or if professional advise is needed, hire our PPU Team as a consultant to give you a very comprehensive insight into Profitable Nigeria Payment Processing, email: or call 08095029999

Joe, 08 Apr 2015

Hello Admin,
I want to intergrate payment solutions (that is, for donations) on my website. I am thinking of using SimplePay, GTBank, UConnect or InterSwitch. I am a bid knowledgeable in HTML and PHP.
1. Please, can you advise me on how to go about it?
2. It possible to intergrate more than one payment gateways on a website? If yes, do they follow different processes for each?
Your advice will be much welcome. Thank you. TEAM, 08 Apr 2015

Hello Joe,
You can integrate donation button for one or all the above stated payment gateways.
1. The payment processors will send you an integration document and process flow for you to do the integration as you desire – depending on your programming language.
2. Yes, it is possible to integrate more than one payment processor. The processes varies, but you can streamline them, depending on your technical programming know how.

justin, 17 Apr 2015

lovely write up you did ur research well but i wan to ask which of this payment gateways supports a wordpress site conveniently TEAM, 20 Apr 2015

All of them support wordpress. You might have to develop wordpress plugin for most of them though.

Joshua, 24 Apr 2015

thanks a lot sir. am currently on a project.
I want to know which of this payment gateway you would recommend for an ecommerce site developed in php. was actually considering paypal . but as you said on one of ur replies that u can’t receive money but can only send from Nigeria on PayPal. can you explain in details and if possible include ur mobile number so we can discus more on phone.
thanks pls keep up the good work and God bless you. TEAM, 24 Apr 2015

Which other information will you want to know? You can email: or call us on (+234)080-9502-9999.

Meanwhile, for PayPal specific queries you can contact PayPal directly at or call them on +1 402 517 4519 (English only)

Oluranti Diyan, 14 May 2015

Good morning. Please I’d like you to look up and let me have the cost of developing a site with identical functionality via email. We are a young NGO addressing the issue of violence in secondary schools. Kindly note that ability to receive donations online is key. Thanks. TEAM, 14 May 2015

Hello Oluranti,
Thank you for your interest in website design and development services.

We have reviewed your sample website and sent you an email on how to proceed with the website development, please check and reply.

Daniel, 25 May 2015

Hi Ediaro,

Great work!

Does UCollect have API/Plugin for OpenCart (MijoShop)? Our store front uses MijoShop, which is built on OpenCart. TEAM, 25 May 2015

Thanks Daniel,
UBA UCollect does not have an API/Plugin for Opencart, but we can help you do the custom integration, please check your email.

Elias, 26 May 2015

We have a website in whichin use the GTPay as our preferred merchant but the number of failed transaction notification we get each day is alarming. To this end we get fewer returning customers.
Can I get a better and reliable merchant?

Thank you TEAM, 27 May 2015

Hello Elias,
Many factors can lead to your cancelled transaction, your checkout process, additional rates to the product price (e.g shipping, handling, tax) and others can be a factor that leads to shopping cart abandonment or cancelled transaction in some cases. Have you analysed your site for all this and others? We suggest you do a through analysis yourself or hire someone to do it for you before (such as: web your developer, seo expert or to do it for you) you make a conclusion.

Anyway, there are many payment options you can choose from, we advise that you check our latest review of TOP 10 ONLINE PAYMENT PROCESSING PLATFORMS IN NIGERIA 2014 available online at , their cost implications, customer feedbacks, pros and cons among others.

We await your response.

PHILIP SULE, 30 May 2015

I’m oprating with master card in ecobank & first bank, now how will I use the ATM to collect money from, US, UK CANADA etc. TEAM, 01 Jun 2015

You can’t receive payment with your Mastercard – you need a payment processor to do this. We have sent you a form, fill and email it back to us.

Ade, 03 Jun 2015

I want further details on the web payment processor. I want to include it on my landing page.
Thanks. TEAM, 03 Jun 2015

Dear Ade,
We have sent you an email, please reply – to integrate to the landing pages.

Kayode, 01 Jul 2015

I have just reated on ecommerce website using WordPress woocommerce. I love the template I used…..but I want the site to carry a new feel…..pls I want to if u can help me redefine the site landing page. TEAM, 04 Jul 2015

Hello Kayode,
We can help you define the landing page as requested. Speak to our webcentre team on (+234) 080-9502-9999 or email with more details about the website.

Theodora, 15 Jul 2015

I want to purchase the WP estore plugin and I’d like to know if any of these payment processors can be added to it. Thanks TEAM, 17 Jul 2015

Dear Theodora,
All payment gateways can be added to WP Estore, you may have to develop a custom integration plugin – to connect your website to the payment processor. To simplify this process you can engage the service of our Webcentre team by: Calling: 08095029999 or email: OR visiting: ,

Chinebu Emma, 17 Jul 2015

In view of the high rate of us dollars and its impact on importer, Do you have any way that will help us bypass this higher exchange rate?

Do you have any system that will help me withdraw my money overseas without loosing so much in exchange?

Thanks TEAM, 17 Jul 2015

Dear Chinedu,
Please speak to your Bank account officer to advise you adequately.

Doris, 21 Jul 2015

Hi. Thanks for this insightful article. I have a question. I have a website I want to use in selling my novels (ebooks) but I’m so confused which payment portal to use. I can’t open a corporate account in any bank in Nigeria. Lastly, is it possible to use one of the above payment portal and also have that of recharge card payment on the site. Thanks for your response TEAM, 21 Jul 2015

Dear Doris,
You need a Corporate account to use virtually all Nigeria payment processors (except cashenvoy we know accept personal accounts).

Meanwhile, we don’t know what you mean by recharge card payment, please explain.

Doris, 22 Jul 2015

Hi. Thanks for your response. I mean like how they do it on okadabooks. You pay with a recharge card pin instead of your debit card. I think they use etisalat network for that, 03 Dec 2015

Hello Doris,
We have contacted etisalat on okadabooks etisalat recharge pin payment option.
Unfortunately, etisalat replied that they are not aware of this service and even advise that we should not not enter our recharge PIN for any online transaction.
So please take note

Doris, 22 Jul 2015

Okay. Thanks TEAM, 31 Jul 2015

We am pleased to inform you that we have just signed an Agreement with Stanbic IBTC Bank on their Bluepay online payment gateway.

We can help you facilitate the entire process of Setup, integration to receiving payments online. The platform support Local and International Visa, Mastercard and Interswitch cards and also more affordable.

For more information, call: 080-9502-9999 or email:

Skoybus, 03 Oct 2015

Nice to hear that can now help to facilitate the process of setting up and integration of using the StanbicIBTC Bank online payment gateway to receive payment on website.
This is a good way for website owners to start taking payments online.

Uthman, 12 Oct 2015

Can you help me in integrating payza with wordpress easycart on my website? TEAM, 13 Oct 2015

Dear Uthman,
Thank you for your interest in ediaro Online Payment integration services, we can help you with all forms of payment integration, details of this available at .

We have sent you an email, please check and revert – to enable us proceed.

bekedemor joseph, 14 Oct 2015

am running an online shop and i need advice of the payment processor to use in nigeria.
and how to get sms billing in nigeria… example like 2go chat app that use sms code to pay for their serivce
thanks. TEAM, 14 Oct 2015

Hello Bekemedor
To use SMS Code to pay for service, there is need to relate with the mobile telephone operators such as MTN, Globalcom, etisalat, airtel among others to ask them how you can subscribe to that service.
Afterwards, you will do the payment integration to your APP or website.

Chukwudi Festus, 16 Oct 2015

I am promoting a foreign company online and it agrees to pay through paypal, payza, cheque or money gram.
Incidentally, I am a novice when it comes to online payment transactions. What is your gracious advice to me on how to access the money.
Thanks and God bless you. TEAM, 17 Oct 2015

Dear Chukwudi,
We advise you accept Moneygram transfer to your Nigeria Bank account (similar to receiving western union money transfer) or cheque

Timothy, 22 Oct 2015

Hi, thx for the write up… just developed a hosting website and am the integratioin process with payza which i first got to know about from your website, but was considering adding another one so i came back to look up the list.. I noticed you talked so highly of UBA Ucollect, please looking at my website what exactly will be needed for the integration… Thank You, 22 Oct 2015

Using payza as your first payment option means we need to make a clarification, who your target audience Nigeria or International audience?

If it’s local, you can still use UBA UCollect, but if it’s international, at the Moment we will recommend Stanbic IBTC Bluepay is your best option. We can fast track this process for you ( or call <+234> 08095029999)- as we just signed a Strategic Agreement with the Bank, view details at:

Timothy, 22 Oct 2015

Thx for the reply, have heard people complain about lossing their money to stanbic ibtc…. am looking at the local audience for now…

this are options am looking at … Payza, Voguepay, UBA Ucollect.. this were actually the three i was considering, from you experience which would be the best..

Thx, 25 Oct 2015

Considering the 3 options below, our reviews for 2013 and 2014 clearly reveal that UBA UCollect is still the most recommended among your highlighted options.

abiodun, 02 Nov 2015

nice payment gateway… i Think you should also segment them accoding to relevance and monetary value… some are free while other are expensive gateway, 02 Nov 2015

Thanks Abiodun,
We will note that.

Anthony, 04 Nov 2015

Thanks for the good, highly valuable information on your website.
I’m presently developing some mobile apps. What are my options for receiving payment for mobile apps (android app on google play store)?, 09 Nov 2015

Hello Anthony,
You can use virtually all the payment processors listed below for accepting payment on your mobile apps.

steam games, 15 Nov 2015

A full moon somehow triggers more positive ions into the air and a new moon negative.
Page redirection post-payment : One of your clients has just made
a purchase; it is the payment platform and will be redirected to a confirmation page on your site control.
‘The economy of technology gives an idea about stepping out
from the conception that the real value is created by the advancement,’ Snyder adds, reported
in Micron Associates.

Iyke, 25 Nov 2015

I am looking forward to developing a directory/portal website where users can pay dues and other payments on the website. I have not done anything yet but I would like to know how I can approach the payment aspect of this website and how to properly integrate it into the site.
Also Are there any things to ensure I do during development of the site so that payment can work well?

many thanks., 25 Nov 2015

Dear Iyke,
Thank you for considering
We can help you with the entire process – which includes your website design, development and payment integration. certification to go-live stage.
An email has been sent to you, please reply.

Top 10 Online Payment Processing Platforms in Nigeria 2015 |, 31 Dec 2015

[…] online payment processing industry is growing rapidly when compared to our 2014 and 2013 reviews, so many Nigerians, Nigeria companies and multinational payment processors and aggregators […]

Samu, 04 Jan 2016

great value you guys are providing here @ the Ediaro team. well, i use this site called clickfunnels, and I’d like to know if a great payment processor can be integrated with that site. P.S im looking more at the international market. thanks, 04 Jan 2016

Hello Samu,
From the review above, Stanbic IBTC Bluepay is the best option presently to setup and commence accepting international card payments.

You can check out our Top 10 Online Payment Processing Platforms in Nigeria 2015 available online at for reasons.

Samuel, 13 Jan 2016

Online payment processors listed here, are they all classified under E-wallet?

I want to open an ewallet account, 13 Jan 2016

No, some have ewallet others don’t.

Adeyemi, 19 Feb 2016

Hi guys, for customers to purchase goods via uba gateway, must they be registered with uba’s program… or its just simply buy goods and check out…, 19 Feb 2016

No. The customer only need to have a Mastercard or Visa from any bank in Nigeria. If UBA activate you for International card processing, you will be able to receive Nigeria and International Visa and Mastercard.

OrangeMedia, 05 Mar 2016

Great! I am currently working on an eCommerce site and I want Credit Card payment option enabled, is that possible with any of this without having an SSL Certificate on the site. If it is possible, how can I integrate it with the site?

I am using the WordPress CMS platform and the woocommerce plugin by woothemes.

Thanks, 06 Mar 2016

There are many payment processors that doesn’t require an SSL to receive payments online. To select another option, your choice of payment processor can be determined by many factors, among which are target audience (local or international), deployment cost, transaction charges, customer service, value added services among others.

For instance if your target audience is receiving payment from Nigerian customers, we advise you go with Interswitch Webpay. Meanwhile, if you are thinking of selling to Nigerian and International audience, you can go with Stanbic IBTC Bluepay CIPG and MIGS (more description of them at Top 10 Online Payment Processing Platforms in Nigeria 2015 available at ).

We can help you with a fast tracked deployment processing,technical and professional support among others FREE of charge (for our partners payment gateways). If also required, we Offer discounted and/or FREE integration on some websites – if you send us your website for us to review. Let’s know which payment processor you need and we will forward you the forms and other required information.

Top 10 Online Payment Processing Platforms in Nigeria | Haxzzallian Software and Web Technologies, 20 Mar 2016

[…] For many Small, Medium and Large Scale businesses, accepting payments online  offers major benefits. Customers increasingly expect this facility and it can improve your cashflow significantly. Although, people believe it’s easy to accept cheques or invoices for your online sales and to process payments in the traditional way, that’s why we examine why every business should accept online payment. Infact, this is necessary because buyers often use the internet for a speedy service as most sales are paid for with credit and debit cards nowadays. To accept cards online in Nigeria and Globally, you will have to make special banking arrangements. Read mpre… […]

yemi, 02 Apr 2016

I want to fund my online payment account like neteller but I have been having issues because of the ridiculous dollar exchange rate in Nigeria now,kindly help on cheaper way to go about this,, 18 Apr 2016

Dear Yemi,
We advise that you contact neteller or your Bank directly for advise on alternative mediums for funding.

Akin Olatidoye, 26 Apr 2016

Thanks for the well highlighted article on online payment processing platforms in Nigeria. Please, I will like to ask what the rough estimate of the volume/size of online payment market in Nigeria is e.g say within the last 7 years. Also, which industries or sector benefit most from online payment processing platforms. Please can you give examples?, 27 Apr 2016

Dear Akin,
Following the email trail below, please contact our R & D Team via info@ with detailed information – for updates.

Chidi, 02 May 2016

Hello, please how much do you charge for building an e-commerce site with woocommerce and I also want the UBA processing for payment for both local and international transaction. Thanks, 02 May 2016

Dear Chidi,
Thank you for your interest in ediaro website development and payment services services.
We have sent you an email, please reply.

Hilchard, 07 Jun 2016

why is Remita not on the list of the top 10 payment processing platforms?, 15 Sep 2017

Remita couldn’t make it to the 2013 list, but they are on the 2015 list.

Chidi, 17 Jun 2016

Among all the platforms you listed, none of them seem to give me a solution to what im looking for. I want a platform that can receive payments using short codes of GSM network providers and the fund remitted to a targeted account. Pls contact me if you have an idea so that I can brief you further., 29 Jun 2016

Dear Chidi,
Unfortunately, we don’t have an idea of how you can do this.

taofeek, 25 Jun 2016

please how much do you charge for building an e-comerce website when the content is ready and how much will the UBA or GTB process cost, 24 Jul 2016

Dear Taofeek,
We’ve responded to you via email, kindly reply.

IDAM, 28 Jun 2016

sir, i currently run a pay tv sales outlet.i will like to
link my business to the quicteller platfom.

but my worry is,since there are hundreds of others already there, how do customers locate me
or are customers queued up?, 15 Sep 2017

When you are created on quickteller platform, you have your unique url where customers will only see your details, products and cost.

Amechi, 04 Jul 2016

nice post, pls can i use d UBA Ucollect for a digital product. if yes hw can i achieve it. a case where customers pay online and automatically download their products without my involvement or any further processing. again is there any way to track payments made into the acount., 24 Jul 2016

UBA UCollect can be used to process payments for downloadable products. A return url will be supplied to the Bank for them to set – before auto-download can be active after payment. All payments and settlements can be viewed via UBA UCollect merchant account bank end and amounts settled via uba udirect internet banking.

Amechi, 04 Jul 2016

doe UBA Ucollect have online exchange for receiving USD into the Naira account, or does it need a dormiciliary account to that effect., 24 Jul 2016

UBA UCollect receive international payment to naira accounts. Please note that UBA UCollect setup for international card acceptance is quiet tough now, we implore you to confirm from the Bank in writting before filling the forms.

David Chicka, 02 Aug 2016

Dear Sir,

I must commend your efforts for this work. You have done a great job by enlighten people on this important topic.

I will like you to tell me if accept Nigeria.

Thank you., 23 Aug 2016

Dear David,
2Checkout support Nigeria cards payment.

vincent okezi, 17 Aug 2016

how can i get or open a merchant, i am running business abroad and a merchant account is needed for cash transfer, the things is i dont bank with uba so how do i go now, please reply to my email thank you., 17 Aug 2016

Hello Vincent, we’ve replied to your email, please check.

Abisola, 24 Aug 2016

Hi, Can you please contact me. I am starting an online business that will require a payment platform where people can pay from anywhere in the world including Nigeria. I am open to the UBA platform. However, as it is, i am a bit confused as to how to start. Do not have a site yet. Can you help with this?, 15 Sep 2017

Hello Abisola,
We advise you to check out our website design packages at , it simplifies the process for you. In addition, we have sent you an email, please check and revert.

Lawrence Godquest, 25 Sep 2016

Pls kindly help me the range of the best online transactions platforms. Our company give business support to small scale businesses and we are exposing them to the use of online transactions. Pls can you help me with the range of the best online transaction platforms., 27 Sep 2016

Dear Lawrence,
We need some basic details to be able to advise you properly such as your client budget, their target audience (local and/or international audience), are they interested in any of our SME web development services etc. We have sent you a detailed email, please respond to it.

Helen, 28 Sep 2016

I really appreciate the efforts made to clarify some issues. I’m currently working on the safest e-payment platforms in Nigeria. I know I can always come to you for some knownledge. Thanks once again, 11 Oct 2016

You’re most welcome helen, we’re always available.

Julius Abidoye, 04 Oct 2016

Hello, please we need a very good payment proccessor to integrate on our new ecommerce website. we have registered with Simplepay but our customers are doubting the originality of simplepay on our site. they said their information may not be secure because of how simplepay enviroment look like when they want to chechout, so am looking for a good proccessor that will redirect customers to their site for customers to make payment. Thanks., 11 Oct 2016

Hello Julius,
We advise you check our 2013, 2014 and 2015 annual review to get the processors available in Nigerians and their charges.

Julius Abidoye, 04 Oct 2016

The payment proccessor that will allow free integration and minimal charges will be highly appreciated thanks

Stella Uche, 07 Oct 2016

Hi, I want to lunch a course on a platform that supports online courses but I need to have a merchant account to be able to receive payment for my course. Please how do I go about it.

Thanks, 11 Oct 2016

Hello Stella,
You need to setup a merchant account (with an online payment processor or Bank), integrate the site to the merchant payment platform enter your merchant details – to ensure funds are settled to your bank acount. We have sent you a simple step by step process and areas we need clarifications. We await your response.

positive, 24 Oct 2016

Good day,
please i need website development and payment processor gateway for e commerce purpose i want to know the total cost, i want Uba payment gateway or first bank., 04 Nov 2016

Dear Postitive,
We’ve responded to your email and forwarded you relevant document and forms.

Abiola, 04 Nov 2016

Hello! Please, I need to integrate a payment gateway for both a video website and a video streaming app. In addition, to one-off payment, I need an option of monthly subscription in which the pay will be automatically deducted monthly. Do I settle for UBA UCollect, Interswitch or other with the current state of the providers? Please advise!, 04 Nov 2016

Hello Abiola,
We have responded to your email; our programmers will be happy to handle your website and app integration.

Deba Ellan, 07 Nov 2016

hello, i am currently working on a wordpress e-commerce website. Please can you advise on how to incorporate gtPay or suggest a better alternative into the site?, 11 Nov 2016

Dear Deba,
You can order our GTPay for our woocommerce from and use for your site integration.

ransom, 19 Nov 2016

The online processing plat forms in Nigeria are really great . i had a challenge buying from Nigeria with vogue pay .
any one with a similar experience with vogue pay?, 15 Sep 2017

Hello Ransom,
Which problem are you having with voguepay please? Also, have you contacted their customer service to complain?

Lola, 02 Mar 2017


Which payment gateway is best to intergrate on a wordpress e-commerce website? My business current acccount is GTB., 09 Mar 2017

Dear Lola,
Unfortunately, there is no uniformly best wordpress plugin. Infact, we think you may word it as which payment gateway can you easily get it’s integration plugin for wordpress.

Meanwhile, since you mentioned that you have a Business account with Guaranty Trust Bank Plc, you can consider going with GTBank GTPay. Alternatively, you can go with Interswitch webpay, you may want to checkout and to learn more about them respectively.

If your website is powered with WordPress Woocommerce, you can order the integration plugin at . If your preffered plugin is not listed, our developers can custom develop the website for you from the beginning. Even better our developers can help you facilitate the entire setup, configuration and certifications (if necessary) with relevant stakeholders; till you begin receiving card payments on your website. This might attract a little extra, but ideal for customers who hasn’t handled a Nigerian payment gateway integration before in the past.

omololu, 08 Mar 2017

Thanks for this post.pls i want to invest in some international companies and am looking for a payment platform that can aid payment and collection of proceeds.which would you advice, 09 Mar 2017

Dear Omololu,
We advise you contact your bank to advise you if they are willing to activat international card processing on your corporate account for your website

Zheey, 21 Mar 2017

Thanks for the article. Please write in Nigeria do you think UBA UCollect is still better than others like GTPay and Interswitch because i will like to integrate one of this on my website.Thanks in advance., 04 Apr 2017

Dear Zheey,
All the payment gateways listed above are good. Meanwhile, there are many factors that accrue to be the best payment gateway for you as an individual, we advise you explain what you want to achieve, your target audience among others for us to be able to guide you better.

ebuka, 03 Apr 2017

Hi, i want to integrate simplepay into my website but unfortunately, the api they provided isn’t working too well and customer support is quite poor. Can you kindly point me through as i’m starting out on this for the first time.
Do you have any code snippet i can look at and learn from?
i’m developing from scratch without any plugin., 04 Apr 2017

Hello Ebuka,
We advise you try a mixture of the following:
1. Send them email – Check their contact page and email them
2. Download some plugins from their website and study them – You will get plugin for woocommerce, opencart etc on their website
3. Engage the service of a professional payment integration expert – team can help you on that for a fee; email or 08095029999

We wish you all the best.

Ben, 07 Jun 2017

Hello ediaro. I have a website i have aNGO site that was done with wordpress. I want a payment processor that can handle donations online either with local or foerign currency easly and relatively cheap or free integration. Among your list i dont know which to implement. Could you advice please, 16 Jul 2017

Due to high inscidence of fraud most Banks and Payment processors have deactivated international card acceptance. You can contact them directly to try, they may want to make an exceptional case for you.

Dansmith, 20 Jun 2017

We have registered with some of the payment gateway such as SimplePay, CashEnvoy, NETELLER, Skrill. So how do we integrate it in our website?, 22 Jun 2017

Dear Sir,
You can contact your developer to integrate the your website with the API from the respective payment processors. Alternatively, if you want our experienced webcentre developer team to handle it, Kindly contact us via, we will be happy to help you thru.

Hero David, 24 Aug 2017

Well Documented list
Good work
But I noticed there is no Diamond Webpay, my client is requesting for this and I want to know if it still still good to use.
Thanks, 20 Sep 2017

Unfortunately, Diamond Bank gateway didn’t make it to the list. Anyway, we don’t have any observation on it. But we advise you take your normal due diligence and ask them series of questions that needs clarification before starting with them.

Dele, 28 Aug 2017

Great article. Perhaps you can be of help to me.

I want to open a shopify store that will Target mostly the US market. Therefore it will receive USD payments for onward transfer to either my US bank account preferably or my USD dorm account.

I see from your article that 2checkout seems to fit that bill but it seems they don’t accept Nigerians.

Do you know any Shopify accepted payment gateway that can do this?

Paystacks would be perfect but they only support stores that have the Naira as their currency on their store which i can’t do given my target market.

Any help, info or advice you render is appreciated as I’m stuck at the moment., 28 Aug 2017

Dear Dele,
Thank you for your interest in ediaro website development and digital payment services.

We advise you consider asking your USA bank if they have a payment gateway and activate the account; so that you’ll integrate and get your funds settled directly to the bank account in USA. Alternatively, add your paypal/stripe account connected to your USA Card and use it to receive payment and get settled there or meet your Nigerian Bank to request if they will be willing to activate international card processing for you.

Alternatively, you can google and if you find any other payment gateway in Nigeria or abroad that can meet your need, contact us via and our webcentre developers will be willing to handle the custom integration to your Shopify account.

Lastly, since you’ve almost completed the site, we presume you are aware of the limitations and co shopify has. Generally, it’s advisable you develop the site using an independent solution and host; anyway, that’s just by the way though.

Mahesh, 30 Aug 2017

Hello admin,

Thanks for detailed info about Nigerian payment gateway, it is really helpful. I need help and may be you can guide me. Is there any payment gateway that can be used to transfer AirTime balance to Bank account or what’s the way we can achieve it?

Thanks., 06 Sep 2017

Unfortunately, we don’t know how you can achieve such. We advise you contact your Telephone provider and bank to ascertain if possible.

Baro Edafe, 11 Nov 2017

Hello Please what the best payment gateway i can use for my store with easy html integration, 08 Feb 2018

Dear Baro, We have sent you an email, please respond – for us effectively guide or help you with the payment integration.

ganiu Ogunniyi, 18 Dec 2017

how can I start my business on payment, 08 Feb 2018

Dear Ganiyu,
We need more information on your request above, we have sent you an email, please respond.

Paul, 12 Jan 2018

This article is very important.
Thank you for your effort ediaro., 08 Feb 2018

You’re most welcome paul.

kennedy, 14 Jan 2018

Pls i will also like to integrate uba ucollect on my wordpress site. How can i go about it., 08 Feb 2018 Programmers will be happy to help with your UBA UCollect payment integration to your website. We have sent you an email, please respond to it.

david, 06 Apr 2018

im am looking for a payment gateway that is free and reliable, any suggestion

ediarosms. com, 04 Jun 2019

Hello David, No payment processor is free they all charge a token for transactions to run their daily operations and pay overhead. What I may say is their charges varies. Some charge setup fee, others are free and same with many other fees that varies.

Judith, 18 Mar 2018

Please I will need more information on u collect payment integration. Do u also assist in getting Scuml certificate?

ediarosms. com, 04 Jun 2019

Hello Judith, We can help you with ucollect payment integration at a fee, please email to tell us more about your website at . Please contact EFCC at their office,email, phone, social media channel and they will advise on how you can get SCUML

Blanca L., 25 Mar 2018

Hi! We are an online service company who wants to reach out to Nigeria as a market. I’m currently trying to check payment options where Nigerians can pay us for the service we offer to them. What Mobile Payment company/ platform could you suggest to us that does not require us to open a bank account in Nigeria?

ediarosms. com, 04 Jun 2019

Hello Blanca, all Nigerian payment processors require you to open a corporate bank account in Nigeria before you can process payments.
Alternative is to use digital currencies or partner with Nigerian companies such as to manage Nigeria orders locally and credit the funds to you abroad.

Dennis, 27 Mar 2018

Good one,I have a mobile agency outlet.I would love my customers account be debited and ,mine credited whole using UCollect.Can this work effectively without my money hanging and how do I start

ediarosms. com, 05 Apr 2018

Dear Dennis, details of how to go about it has been emailed to you, please check and revert.

Pamilerin, 26 Jun 2018

Nice article, I bookmarked this about two years ago. I’m a programmer and ive been having trouble with the gtpay woocommerce plugin. have your people encountered such? can you please help out?, 01 Aug 2018

Hello Pamilerin, you can buy our Woocomemerce GTPay plugin at , it support GTPay test and live mode

Nike, 09 Jul 2018

Really helpful , thanks for this for this UPDATES, 01 Aug 2018

You are most welcome

chuks, 02 Aug 2018

Hi. please if I use 2CO as my payment gateway for my online business, can my money be credited into my bank account in Nigeria?

ediarosms. com, 04 Jun 2019

2co has cancelled payments outside United States of America

John umoru, 06 Aug 2018

What about the gtpay payment gateway? Does it work and how much does it cost since I already have a business account with them, 29 Sep 2018

Hello John, GTPay works. Their requirements are already listed above, please recheck. Alternatively, contact GTBANK customer service via their official email for latest information.

John, 19 Aug 2018

I have been shopping for a payment company that can enable instant transfers to any Nigerian bank account (individual and business accounts) with little or no fees.

I have signed up with Paystack but just realized that their transfer option has been deactivated. They offered a flat fee of N50/transfer (this is fine).

Thank you., 29 Sep 2018

@John, Paystack customer service can be contacted to activate your preferred gateway account to be able to tranfer.

Alternatively, you can check our annual top 10 online processing platform that’s been constantly published over the years for ideas.

Paulex, 25 Aug 2018

Pls what are the procedures for integrating that of uba ucollect in Php, 29 Sep 2018

We advise you review the Ucollect API or hire a developer to integrate ucollect for you.

George, 05 Jan 2019

Please show me how to integrate Ucollect API into my wordpress site., 15 Mar 2019

Kindly contact the Bank to get the API integration document, study it and develop a plugin that will meet that need. Alternatively, you can order our wordpress woocommerce website plugin for ucollect at or email us for a custom integration plugin if it’s not relevant in the email below this page.

foreign mama, 28 Dec 2018

Does it work and how much does it cost since I already have a business account with them, 15 Mar 2019

Kindly contact UBA and make relevant enquiry from them

Payment gateway uae, 05 Jan 2019

This is nice article.The best payment gateway i can use for my store with easy html integration. Thanks for sharing this information., 06 Jan 2019

Following the email thread, all websites can be integrated seamlessly depending on your level of understanding programming. We implore you to check the processors api code.

Alternatively, you might be interested in our service at .

Rita, 22 Feb 2019

Please how can use cash app to receive money from overseas, 15 Mar 2019

Do you mean a mobile app or online payment processor to receive payments globally? Kindly elaborate.

bee, 04 Mar 2019

Pls i will also like to integrate uba ucollect on my wordpress site. How can i go about it., 15 Mar 2019

Our website developers will be able to assist you with that for a fee. We have sent you an email, kindly check and reply.

Obinna, 20 Mar 2019

Please which platform is best for a Nigerian NGO to accept foreign card payments?, 21 Mar 2019

We implore you to checkout our ebook titled “Accepting International Payments” available at

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