Overview
Nigeria is West Africa's largest digital commerce market with strong growth. The payment landscape is fragmented and multi-modal: no single method dominates, with A2A bank transfers, debit cards, digital wallets, mobile money, and credit cards each holding meaningful shares.
This fragmentation means that full market coverage requires a broader method stack than almost any other EBANX market. OPay has emerged as a dominant digital wallet, and bank transfer via USSD remains critical for feature-phone users outside urban centers.
Available payment methods
Nigeria supports the following payment methods through EBANX. For detailed integration guides, select a payment method from the sidebar or visit the API Operability page.
- Cards: Credit Cards
- Cash & Codes: USSD
- Trusted Redirects: Bank Transfer, OPay
Currency and settlement
| Detail | Value |
|---|---|
| Local currency | NGN - Nigerian Naira |
| Accepted currencies | NGN |
Refunds
- Refunds for credit and debit card payments are sent to the card acquirer.
Bank transfer refunds require the following customer banking details:
| Field | Description |
|---|---|
| Bank name | Must be a supported Nigerian bank |
| Account number | Bank account number (up to 10 digits) |
| Account type | Savings or checking |
| Account holder name | Name of the bank account holder |
Still need help?
We hope this article was helpful. If you still have questions, you can explore the following options:
- Merchant support: Contact our support team at sales.engineering@ebanx.com for assistance.
- Not a partner yet? Please complete the Merchant Signup Form, and our commercial team will reach out to you.
