Payment gateways in Nigeria
Taking membership payments in Nigeria
Paystack is the gateway most Nigerian businesses use, with local cards, bank transfer and USSD. For members abroad, some merchants of record accept Nigerian sellers too.
Local members: Paystack
Paystack takes Nigerian cards, bank transfer and USSD, renews card subscriptions automatically, and pays out to your Nigerian bank account.
Members abroad: a merchant of record
Creem, Kelviq and Polar accept sellers from Nigeria. They sell to your members on your behalf, handle VAT and sales tax in every country, and pay you out.
Dodo Payments no longer signs up new sellers from Nigeria.
Side by side
| Provider | Handles sales tax and VAT (merchant of record) | Card fee | Members can pay with | Recurring billing | Who can sign up as a seller |
|---|---|---|---|---|---|
| Paystack | No, you do | 2.9% local cards, 3.8% international cards, 1.5% M-Pesa (Kenya). Kenya rates shown; other countries have their own rates. Transfers out cost KES 20–350 depending on amount and destination. | cards, M-Pesa, Airtel Money, mobile money, Apple Pay, bank transfer, USSD, Pesalink, EFT | Subscriptions by card (and direct debit in Nigeria); M-Pesa and mobile money can't auto-renew. | Nigeria, Ghana, Kenya, South Africa, Côte d'Ivoire, Egypt, Rwanda |
| Creem | Yes | 3.9% + 40¢. No extra fee for international cards. Payout fee is 7 USD/EUR or 1%, whichever is higher. | cards, Apple Pay, Google Pay | Subscriptions by card or wallet. | 87 countries, including Kenya, Nigeria and South Africa |
| Kelviq | Yes | 3.5% + 40¢ (2.9% + 40¢ on your first $5,000). Plus 1.5% for non-US cards and 0.7% on subscription renewals. | cards, Apple Pay, Google Pay, PayPal, SEPA, iDEAL, UPI | Subscriptions by card and wallets; UPI AutoPay in India. | 90+ countries, including Kenya, Nigeria and South Africa |
| Polar | Yes | 5% + 50¢ (free plan). Plus 1.5% for non-US cards. Paid plans lower the rate (e.g. 3.8% + 40¢ for $20/month). Stripe payout fees apply: $2/month, 0.25% + 25¢ per payout, plus currency conversion. | cards, Apple Pay, Google Pay, Link, Amazon Pay, Cash App Pay, WeChat Pay | Subscriptions by card or wallet. | Countries supported by Stripe Connect Express, including Kenya and Nigeria |
Paystack
- Handles sales tax and VAT (merchant of record)
- No, you do
- Card fee
- 2.9% local cards, 3.8% international cards, 1.5% M-Pesa (Kenya). Kenya rates shown; other countries have their own rates. Transfers out cost KES 20–350 depending on amount and destination.
- Members can pay with
- cards, M-Pesa, Airtel Money, mobile money, Apple Pay, bank transfer, USSD, Pesalink, EFT
- Recurring billing
- Subscriptions by card (and direct debit in Nigeria); M-Pesa and mobile money can't auto-renew.
- Who can sign up as a seller
- Nigeria, Ghana, Kenya, South Africa, Côte d'Ivoire, Egypt, Rwanda
Creem
- Handles sales tax and VAT (merchant of record)
- Yes
- Card fee
- 3.9% + 40¢. No extra fee for international cards. Payout fee is 7 USD/EUR or 1%, whichever is higher.
- Members can pay with
- cards, Apple Pay, Google Pay
- Recurring billing
- Subscriptions by card or wallet.
- Who can sign up as a seller
- 87 countries, including Kenya, Nigeria and South Africa
Kelviq
- Handles sales tax and VAT (merchant of record)
- Yes
- Card fee
- 3.5% + 40¢ (2.9% + 40¢ on your first $5,000). Plus 1.5% for non-US cards and 0.7% on subscription renewals.
- Members can pay with
- cards, Apple Pay, Google Pay, PayPal, SEPA, iDEAL, UPI
- Recurring billing
- Subscriptions by card and wallets; UPI AutoPay in India.
- Who can sign up as a seller
- 90+ countries, including Kenya, Nigeria and South Africa
Polar
- Handles sales tax and VAT (merchant of record)
- Yes
- Card fee
- 5% + 50¢ (free plan). Plus 1.5% for non-US cards. Paid plans lower the rate (e.g. 3.8% + 40¢ for $20/month). Stripe payout fees apply: $2/month, 0.25% + 25¢ per payout, plus currency conversion.
- Members can pay with
- cards, Apple Pay, Google Pay, Link, Amazon Pay, Cash App Pay, WeChat Pay
- Recurring billing
- Subscriptions by card or wallet.
- Who can sign up as a seller
- Countries supported by Stripe Connect Express, including Kenya and Nigeria
From each provider's own website, checked November 2026. Prices change; check theirs before you sign up. Compare all 11 providers.
Questions
Which payment gateway is best in Nigeria?+
For members in Nigeria, Paystack: local cards, bank transfer and USSD, with automatic renewals by card. For international members, a merchant of record that accepts Nigerian sellers, such as Creem, Kelviq or Polar.
Is Stripe available in Nigeria?+
Stripe directs Nigerian businesses to Paystack, which Stripe owns.
Head to head
Charge for your community with the account you already have
Connect it under Manage → Payments. Paying members are let in automatically.