Top Online Payment Gateways in 2021

As we all know that since the outbreak of the coronavirus pandemic, the need of social distancing has been the order of the day which has resulted to most companies rejecting the use of cash to limit physical contacts, thereby promoting online payments through various payment gateways.

Being a business owner or an entrepreneur, you would need to know the top online payment gateway in Nigeria as it is fast, secure and more convenient instead of having to having to copy the account number and going back to their bank app to make payments.

This article is coined to help know the top payment gateways in Nigeria and also to highlight features as there’s a wide range of payment gateways to choose from.

  1. Interswitch Webpay

This online payment platform is created by popular Interswitch and it provides services to business and persons who look to accepting local and international cards payments. Through Interswitch Webpay or Webdirect customers or random users can make payments online with their cards.

Unique Speciality

It is secured and well trusted.


Set up fee is #150,000 after which subsequent transactions attract 1.5% of the value of the transaction subject.


  1. Paystack

This is one of the most popular payment gateways in Nigeria is owed by 2 young Nigerians. Paystack works for both small and big businesses and it is very fast, secures and very affordable.

Unique Specialty

Paystack is easy to setup and is free.

Your customers can easily pay you directly from your website in very short time.


Setup is free

Local transaction attracts 1.5% + #100 fee which is waived on transactions less than 2500, while International transactions are charged 3.9% + #100.

rave by flutterwave

  1. Rave by Flutterwave

This online payment gateway makes it easier for merchants to get paid for products or services from their websites. Rave allows you receive payments locally and globally with no struggle at all, making online payment more comfortable and reliable.

Unique Specialty

Rave supports multicurrency which allows you to receive payment in multiple currencies at very short time.

Rave allows you to charge cards and bank accounts directly, thereby letting you debit your customer’s bank directly.


The setup is free.

Local transaction is charged 1.4% and international transactions, 3.8%.


  1. GTPay

This is another secured payment gateway owned by GTBank, developed to help small businessfacilitate card payments online using debit Cards issued by banks on the Interswitch Network.It also accepts both locally and internationally issued cards including Interswitch, MasterCard and VISA.

Unique Specialty

It is fast and reliable. Merchants get their value the next working day after the transaction is don’t while international transactions take 48 hours.

It accepts both locally and internationally issued cards including Interswitch, MasterCard and VISA.


Setup fee is 75,000

1.5% charge on local transactions higher than 200 and 3% on international transactions.


  1. Remita

This is one of the top payment gateways in Nigeria. Remita offers a wide range of payment methods including Internet Banking, Debit/Credit Cards, Bank Branch, POS Terminals, Mobile Wallet, Cash Agents, mPOS, Direct Debit, Standing Order and Electronic Purse.

Unique Specialty

Remita offers you several payment option, such as eCommerce Plugins, Mobile SDKs, Inline Payments, and Recurring Payments.

It also lets you see all bank account balances on your screen.

Another special feature is that Remita helps to manage your organization’s payroll no matter the amount of staffs.


Setup is free.

Local transactions are charged 2% on  minimum of 100naira and maximum oe 2,500naira.

International transactions are charged 4%.


payu logo
payu logo
  1. PayU

This payment gateway creates a secure, easy and convenient way for your customers to pay a leading online payment service provider dedicated to creating a fast, simple and secure payment process for merchants and buyers. All that needs to be in place is your customer’s email address and phone number.

Unique Specialty

PayU accepts all credit cards helping you expand you reach across all nationalities.

You can design you page just anyway you like.

It is very safe and secure.


Setup is free

Charges on transaction is specified.

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