Well recognized brands in the E-industry are gradually shifting towards 100 percent online management systems to offer sales to willing buyers.

The global crisis (COVID 19), has affected a lot of businesses around the world. In some parts of the world, the pandemic still poses great risks to citizens and also businesses.
This situation is definitely an eye opener for every business owner within the e-commerce sector and for those contemplating about going into the e-commerce business.
The current trend and the increase in the number of online users is a clear and genuine perspective that will end the debate about the true essentials of e-business and internet based transactions.
This article will help you understand the top 12 best payment gateways in Nigeria that you can safely integrate with your e-commerce platform in order to receive card payments directly from your customers.
E-commerce today has evolved in so many ways and methods. You can quickly find free amazing toolkits and libraries to integrate seamlessly with your website platform.
Most of these payment platforms in Nigeria are necessary for merchants, traders and individuals within the e-business trading domain.
When you set up your e-commerce store you will definitely need a check-out page to store customer shopping cart items and also create a unique order ID for reference purposes.
But most importantly, you will need to process card payments to complete transactions.
Within this article, you will find valuable insights about the necessary requirements to set up your own payment gateway system for free and you will also, find out the reasons why these payments gateways are trusted and completely reliable for any established or start up business owner.

1. Flutterwave
Flutterwave is a free to use payment gateway service that helps all scales of businesses and individuals collect payments through the integrated payment gateway system.
It is really simple and fast to setup and create a payment api that will receive card payments from anywhere in the world.
Business owners can also list products and advertise services online via flutterwave app for free without any subscription plans or hidden charges attached to this feature.
It is really exciting and completely rewarding when you transact online using flutterwave, because you get to manage every activity of your online sales and also monitor your payments effectively all in one application.
To set up a flutterwave payment account will require your BVN number, Bank Account Number and other financial details. Business owners will need extra documentation and address verification such as C.A.C certificate and proof of address.

2. Paystack
Paystack is one of the big guns that started it first in Nigeria. Longevity has placed paystack on a unique scale in terms of trust and security related matters.
The truth is, a lot of startup businesses currently in Nigeria will most likely owe their business success to paystack.
Migoexpress and printivo and few other startup e-commerce brands have successfully integrated the paystack API’s on their website for their customers to shop online and complete payment transactions, because of the level of trust that paystack offers.
Back then, in the early days, it was mostly foreign based payment gateways infrastructures that provided the means for individuals or business owners to receive online payments from their customers in Nigeria.
Paystack is definitely leading the way as one of the best payment gateway in Nigeria with amazing perks and tools to help clients close more e-business deals.
Paystack now offers extensive features and payment functionalities. When it comes to accepting payments online paystack is one of the guru’s in the game.
The newest acquisition made by stripe which is also a well recognized payment institution based in the United States is clearly a sound proof that paystack is completely equipped and capable to serve any business owner or individual the best card payment processing system services anywhere in the world.

3. Kora
Kora is one of the leading payment gateways in Africa, and it stands out especially for the high quality of support it provides to businesses, regardless of their size.
Whether you're a small startup or a large corporation, Kora ensures that you have all the support you need to thrive.
Formerly known as Korapay, Kora helps local businesses expand seamlessly across Africa by offering a range of payment solutions, while also enabling global companies to localize the payments experience for their customers in Africa.
If you’re a business in Nigeria that wants to sell to customers in Ghana, South Africa, or Kenya, Kora is great for you. Companies like GIGL and Venco use Kora, so they’re credible.
Think of Kora as a one-stop shop for all your payment needs. You can use it to accept payments, process payouts, verify customer identities, issue virtual USD debit cards to your customers, or create corporate virtual USD cards for your business expenses.
Another thing that sets Kora apart is how easy it is for merchants to use and integrate their APIs. Developers also find their API documentation quite easy to use.

4. FirstPay
Firstpay is one of the popular payment solutions in Nigeria.
FirstPay offers an all-in-one payment solution that helps merchants securely integrate the Api system on their website in order to receive payments online.
As a merchant collecting card payments with firstPay, it is interestingly borderless and also offers valuable insights with clear in-depth analysis of every aspect related to your online store monetary transactions.
The payment solution provides a world class customer services team and 24/7 technical assistance for every merchant using FirstPay Api link to transact.
You can be rest assured that every activity that concerns financial details, successful payments, accounting and budgeting reports are completely accessible in real time for merchants.
The payment solution provides a seamless flow for customers to navigate options and select their preferred payment method from a list of available payment processors.
To integrate FirstPay Api is very simple and requires minimal skills to fully get the payment gateway system functional and running on your website platform.

5. JumiaPay
Jumia is completely committed to offering fast and secured payment reconciliations between sellers and customers using their e-commerce website platform.
The platform provides a fully integrated card payment system for all sellers and individuals using the e-commerce website.
JumiaPay sellers no longer need to worry about a means of collecting card payments from their clients when they eventually make sales from the Jumia market place.
The jumiaPay system provides extra services such as Loans, Mobile/Wi-Fi Data Recharge, Dstv/Gotv subscription, Electricity Bill payments etc.
The approach showcases more online services to merchants, while they use the platform to carry out their business activities.
Sellers can quickly process other payment opportunities within the payment application with so much ease. This makes JumiaPay fast and reliable for customers.