Best Free Payment Gateways in Nigeria 2021

Best Free Payment Gateways in Nigeria 2021

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This article explains all the Best Free Payment Gateways in Nigeria 2021 for both online and offline businesses, for small, medium or large business. Below are the free payment gateways in Nigeria, requirements for registration, transaction and charges/fees.

paystack is regarded as modern online and offline payment for Africa, whether you are a small or large business, paystack offers everything you need to accept payments. It’s simple, secure and free. Signup for Paystack

  1. Paystack is simple to get setup: Paystack is super easy to setup on your site or app even without a developer with few clicks.
  2. Paystack provides tools to help you grow: Beyond payments, get reliable support and business solutions to measure and improve your growth.
  3. Paystack only makes money when there is transaction: Paystack will only charge when you make sales.
  4. Paystack Storefront: Paystack has created storefront to enable every of its customers to build online store and display their products and services to the world. Signup for Storefront here


  • Installation/ Setup Cost: ₦0.00
  • Local Transactions: 1.5% + ₦100 (The ₦100 fee is waived for transactions less than ₦2500)
  • International Transactions: 3.9% + ₦100
Best Free Payment Gateways in Nigeria 2021

The easiest way to make and accept payments from customers anywhere in the world….

Flutterwave lets you receive payments locally and globally with no hassles and zero set up fees. They make accepting payments online easy, safe and secure. Create an Account with Flutterwave

  1. Online and POS Transaction: Sell online with an ecommerce website, Mobile App and more, also Sell in-person at your store locations, pop-ups, concerts.
  2. Create and send invoices on the go: Create professional invoices easily, get paid and track payments with Flutterwave invoicing.
  3. Flutterwave store: Set up your store in minutes and bring your brand to life, and start selling online now with Flutterwave store
  4. Card and account payments: flutterwave allows you to charge cards and bank accounts directly. So you can directly debit your customers’ bank accounts.


  • Installation/ Setup Cost: ₦0.00
  • Local Transactions: 1.4%
  • International Transactions: 3.8%

VOGUEPAY is simple and secure way to send and receive payments globally. VoguePays global coverage allows consumers and businesses to safely make and receive payments in all major currencies, regardless of location.

  1. Multiple payment channels: Accept payment any way you want to give the customers options
  2. Developer friendly: Simple API documentation to make integration easy, even for non-developers.
  3. Multi-currency support: Accept payment in multiple global currencies. Get paid in your default currency.
  4. Easy integration to platform: Easily implement payment to your website or app using plugin libraries and extensions.


  • Installation/ Setup Cost: ₦0.00 (fees may apply for customization)
  • Merchant Verification: ₦ 1,500 (with CAC) and ₦ 2,500 (with Govt. issued ID cards)
  • Local Transactions (Naira Cards): 1.5% Transactions above ₦2,500 1.5% + ₦30

Amplify Online Payment Gateway

Amplify is the smartest way to accept and manage recurring payments in Nigeria, is complete online payments solution. Signup for Amplify here

  1. World-class, bank-level security: All transactions are processed via a PCIDSS compliant and 3D Secure payment gateway via an SSL encrypted channel
  2. Get your money within 24 hours: Payments made through Amplify will be in your company bank account within 1 day.
  3. Card correction technology: If there’s an issue with your customers’ card, Amplify will automatically retry until payment goes through, for up to 2 days.
  4. Multiple payment options: Accept payments in over 40 currencies from VISA, MasterCard, Verve, and American Express. Your customers will also be able to pay directly from their bank accounts.
  5. Accept payments without needing a website: You can accept payments without needing a coder. Create a simple form, send the link to your customer, and get paid.


  • Installation/ Setup Cost: ₦0.00
  • Local Transactions: 1.5% + ₦20 (capped at ₦2,000)
  • International Transactions: 3.8% + ₦20

remita logo

Remita helps you receive and make payments on your site and apps. They offer ready-to-use plugins, SDKs and APIs that make integrating a breeze.

Signup with Remita Here

  1. Receive Payments: This offers your customers many different ways to pay you: Inline Payments, eCommerce Plugins, Mobile SDKs, and Recurring Payments
  2. Make Payments: Pay a single or multiple beneficiaries from bank accounts you register on Remita. Single Debit Single Credit, Single Debit Multiple Credit, Funds Transfer Plugin
  3. View all your Balances, On One Screen: Remita lets you see all your bank account balances, from any bank, on one screen.
  4. Get Paid Easier: Easily get paid by simply generating and sharing payment requests (or e-Invoices) with family, friends and customers.
  5. Experience True Work-Life Balance: Enjoy the convenience of switching easily from your personal to business accounts, and back again, whenever the need arises
  6. Easier Payroll for All Businesses: Whether you’re a 2 or 200,000 staffed organization, Remita can help manage your payroll & HR management needs.


  • Installation/ Setup Cost: ₦0.00
  • Receiving Local Payments: 2% (Min ₦100 – Max ₦2,500)
  • International Payments: 4%

payu logo

PayU has a local operations that spans across 17 markets which are Asia, Central and Eastern Europe, Latin America, the Middle East and Africa.

PayU is a leading online payment service provider dedicated to creating a fast, simple and secure payment process for merchants and buyers.

  • PayU enable seamless payments across 50+ high-growth markets
  • Expand your reach by accepting all national and international credit cards.
  • Customize your payment page design to ensure a consistent look and feel.
  • Next day/Weekly settlement
  • Added security (PCI DSS SSL and 3D secure)
  • Optional fraud protection service


  • Installation/ Setup Cost: ₦0.00
  • Payment Processing: NA

Read: CBN Releases Framework for QR Payments

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