Online International Payment Gateway in Nigeria [4 Best Options]

In Nigeria we recommend iDEAL as your international payment gateway.

In this post, I have compiled a list of 4 of the best payment gateways in Nigeria with or without OTP requirements.

These are the gateways that will accept online payments from customers.

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So if you have customers in Nigeria and/or other countries, these payment gateways will allow you to receive payment from them, and all that they need to send you is their credit card.

Best Online International Payment Gateway in Nigeria [Top 4]


Paystack – Best Payment Gateway in Nigeria

PayStack is the leading brand in online payment services in Nigeria.

I used the company for accepting payments from people who bought products on my website, and they did provide one of the best customer support I’ve ever seen.

Amazon Payments does not require you to register your business before you can accept payments, which is great if you’re running a dropshipping business or any other smaller online businesses. They allow you to receive up to 10 million Naira in payments before you will be required to enter your business registration details.

If you are working with ecommerce stores such as Shopify or WordPress, Paystack is the most recommended payment gateway because it has very detailed integration guides, and your customers will not have to be redirected away from the checkout page if you’re using it on Shopify, and it handles auto currency conversions even if your customers are making payments in another currency.

Flutterwave – PayPal Alternative in Nigeria

Flutterwave offers free, easy-to-use integration if you’re in Nigeria, which works with Shopify and WooCommerce.

It is, without doubt, the best PayPal alternative in Nigeria. Flutterwave is the best way to receive and withdraw funds into your local bank account.

This also offers you features like free integration with any technology you’re using, like PayPal, and it provides free virtual cards for all of your transactions on Amazon.

This is a web-based software that lets you create your own ecommerce website. With it, you can create your own store and get paid for your products and services.

1.As a comparison, Amazon takes

2.9%, Paypal takes

3.4%, Google Checkout takes

4.2%, Square Cash takes

5.5%, and takes

Overall, Flutterwave remains one of the best PayPal alternatives for getting paid in Nigeria.

CashEnvoy – Free Payment Gateway in Nigeria

It has been a while since I used Payoneer, but it is still one of the most trusted names when it comes to payment gateways in Nigeria.

While I think PayStack is the easiest to set up and configure, CashEnvoy is easier to use.

Secure payment online is provided by but it sure does provide a secure way to send and receive payments.

Integrate the CashEnvoy software into your e-commerce site, your customers will be able to make payment with debit and credit cards, as well as through online banking, or even direct deposits from their bank accounts.

The biggest drawback of using CashEnvoy on my Shopify store, and why I removed it was that it redirects customers away from the website to make payments, in this age and time in which people are scared of sending money to scammers, I believe its best for the company to work on accepting payments on the store without creating pop-ups or opening another tab to load the payment script.

Stripe – Best WooCommerce Payment Gateway for Nigeria

This is the payment gateway I’ve used for the most projects and it’s one of the best. If you’re building an ecommerce business, it’s worth considering.

This payment gateway was designed to allow you to take payments even if your customer hasn’t confirmed their email address and is going straight to the checkout page.

If you want to receive your funds in dollars in case you might need to make refunds, then I’d recommend this.

Stripe is easy to integrate with Shopify and WooCommerce. You can easily accept payments into your Payoneer accounts, and withdraw your funds with the Payoneer debit card.

For me, it depends on how much money you need to take out of Nigeria and whether your customers are mostly Nigerian or international. If you’re taking money out of Nigeria, then Stripe is the best option.

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