Top 10 Online Payment Processing Platforms in Nigeria | ediaro.com [PDF]

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Top 10 Online Payment Processing Platforms in Nigeria Published February 6, 2013 | By ediaro.com Being able to receive payment online means using a payment processor which involves using electronic funds, web processing solution as well as database updating when the process is successful. It means the transfer of funds from your buyer’s account to your account through a trusted platform. Now for a global audience, there are several ways which have evolved that has allowed merchants to be able to receive money online ranging from merchant’s own merchant account to third party payment processing.

For many Small, Medium and Large Scale businesses, accepting payments online offers major benefits. Customers increasingly expect this facility and it can improve your cashflow significantly. Although, people believe it’s easy to accept cheques or invoices for your online sales and to process payments in the traditional way, that’s why we examine why every business should accept online payment. Infact, this is necessary because buyers often use the internet for a speedy service as most sales are paid for with credit and debit cards nowadays. To accept cards online in Nigeria and Globally, you will have to make special banking arrangements. As an entrepreneur, it’s one thing to be able to conceive an online business idea, create the virtual platform, market your product or service but how do you receive your payment online in Nigeria? If you’re already thinking about this then it probably means that you have figured out what to sell to people so receiving the online payment is what is next. How does one receive payments online? As a professional website development company in Nigeria, our Webcentre Team at ediaro.com have conducted this research, and present the Top 10 Online Processing Platforms in Nigeria below: 1. GTBANK GTPay

GTPAY is a one-stop, safe, secure and convenient web payment solution that enables merchants receive payments from both local and international payment cards. FEATURES International Acceptance: GTPAY accepts both locally and internationally issued cards including Interswitch, MasterCard and VISA. Timely transaction processing: Merchants get value next day after transaction takes place. GTPAY monitoring log: GTPAY comes with a unique, online monitoring console that allows merchants view transactions as they occur. Reduced sign-on fee: GTBank is a certified developer partner so we take on GTPAY integration for our merchants and as such the integration fee is waived for them. BENEFITS Convenient means of payment Acceptance of both local and international cards Global reach for merchants Increased sales Promotes cashless transactions Instant value for successful transactions PROFILE: Guaranty Trust Bank plc is a foremost Nigerian financial institution with vast business outlays spanning Anglophone West Africa and the United Kingdom. The Bank presently has an Asset Base of over 2 Trillion Naira, shareholders funds of over 200 Billion Naira and employs over 5,000 people in Nigeria, Cote dIvoire, Gambia, Ghana, Liberia, Sierra Leone and the United Kingdom. The Bank has a corporate banking bias and strong service culture that have enabled it record consistent year on year growth in clientele base and key financial indices since its inception in 1990. WEBSITE: http://www.gtbank.com/ Ebook of selected Global gateways that will enable you begin Accepting International Payments 2. INTERSWITCH InternetPay

Interswitch has a secure, reliable, and scalable platform for electronic transaction processing in a multi-institution, multi-functional, Online/Offline environment. We design, implement and support payment infrastructure that deliver the highest level of availability and transaction integrity. Our systems accept transactions from a diverse range of delivery payment channels, intelligently switching them to a variety of external networks. Interswitchs Electronic Funds Transfer (EFT) switching application, supports major networks including Verve, Mastercard, and China Union Pay, besides other proprietary networks. The infrastructure is based on open-system architecture and uses relational database technology, offering clientsportability, and reliability as they expand.Our open-systems architecture reduces/eliminates the considerable expense, of paying for proprietary hardware, software, and PCIDSS compliance. Interswitchs robust back office systems provide comprehensive settlement and reconciliation services along with free associated reports. Interswitch currently offers 3 Internet Payment options. Paydirect – web with reporting, Paydirect – web without reporting Quickteller Paydirect – web (with reporting) Paydirect-web (with reporting) Integrates directly unto your website and Interswitch will provide elaborate reporting (dependent on integration specifications and reporting requirements), to enable you know who paid what, when, which bank it was paid into and what amount was paid online, real time from anywhere in the world. Paydirect – web (without reporting) Paydirect – Web (without reporting) – Integrates directly unto your website enabling funds to be received into your account, but no elaborate reporting is provided. Paydirect – Web (without reporting) offers cash deposit information and is often the product of choice for medium and small businesses. Quickteller (with generic reporting) Quickteller (with generic reporting) – is a payment platform that works like a payment shop or supermarket, where you can make online payments for various products and services. You may communicate that your services are available at quickteller.com and/or decide to place a link on your website that redirects to quickteller.com so your customers and clients can make payments using the platform. Quickteller is great for Internet savvy users who are already used to making payments online as itprovides them the option of enagaging with a host of value added services such as buying airline tickets, online recharge, payment for utility bills and a host of other services. PROFILE Interswitch Limited is an integrated payment and transaction processing company that provides technology integration, advisory services, transaction processing and payment infrastructure to government, banks and corporate organizations. Interswitch, through its Super Switch provides online, real-time transaction switching that enable businesses and individuals have access to their funds across the 24 banks in Nigeria and across a variety of payment channels such as Automated Teller Machines (ATMS), Point of Sale (PoS) terminals, Mobile Phones, Kiosks, Web and Bank Branches. WEBSITE: http://www.interswitchng.com Do you have a website and need a professional programmer to integrate your website, mobile app, portal or software to begin accepting payments at a very affordable rate? Click here to contact Us Now! 3. ETRANZACT

eTranzact is a multi-application, multi-network and multi-channel electronic payment platform that supports all major networks including AMEX, VISA and MasterCard. eTranzact Platform is designed and built as a credible alternative to all transaction which are currently cash or check based and the platform capability is such that any solution that is driven by consumer payment can be automated on the platform. eTranzact as a Switch processes payment requests from multiple channels – Web, ATM,POS, mobile, etc using automated procedures. The switching platform validates transaction requests after running security checks on the payment cards. The system ensures there are no security breaches during the transaction processing by encrpting all card information using tripleDES technology, thus protecting the card information. Our payment processing service helps organizations to: Reduce the administrative overhead of cheque printing and returned cheques Generate new Revenue streams PROFILE eTranzact is Nigeria’s first award winning multi-application and multi-channel electronic transaction switching and payment processing platform. eTranzact has operations in Nigeria, Ghana, Kenya, Zimbabwe, South Africa, Cote d’Ivoire, and UK and is currently expanding operations to more and more countries in the world. ETranzact was launched in September 2003, and has today evolved into a brand with global reach extending its innovative services to include products which cut across virtually all aspects of the e-payment space; ATM, Internet, POS, and Mobile. The company currently has operations in six other countries around the world; South Africa, Ghana, Zimbabwe, Kenya, Cote d’voire and United Kingdom. Since Inception, eTranzact has deployed its mobile payment solutions to banks and non bank financial institutions alike and was recently granted the license by the Central Bank of Nigeria to provide Mobile Money services to individuals with a special focus on the unbanked. WEBSITE: http://www.etranzact.com/ 4. SIMPLEPAY SimplePay Payment Gateway allows any business or consumer with an email address to securely, conveniently and cost-effectively send and receive payments online. Our network builds on the existing financial infrastructure of bank accounts and credit cards to create a global, real-time payment solution. We deliver a product ideally suited for small businesses, online merchants, individuals and others currently underserved by traditional payment mechanisms. Simple Pay’s service, which lets users send payments for free, can be used from PCs or web-enabled mobile phones. SimplePay launched this service so that anyone with an email account can send or receive credits. Each credit is valued at N1.00. SimplePay Payment Gateway members may redeem their credits for the cash equivalency at any time by selling these credits back to SimplePay Payment Gateway, in the form of a withdrawal from the system. You can believe there should be one universal online payment system and will strongly compete to be the provider of choice. SimplePay Payment Gateway will however suspend any account that is found to be involved in any fraudulent or malicious activity, including impersonating a representative or attempting to gain other users passwords. Any decision made by, its officers, or representatives will be final. WEBSITE: http://www.simplepay4u.com/ Do things uniquely at a low cost. Inform customers about payment, delivery, discounts, hot deals, sales, promotions, and much more via SMS, it’s cheap and highly effective. Register and Integrate ediarosms.com API to your ECOMMERCE store website/mobile app. SMS Text Message is Delivered Globally. We accept Card,Bank Transfer,Bitcoin (BTC),Perfectmoney, Western Union Money Transfer.. 5. CASHENVOY CashEnvoy is the safest, easiest and most convenient way to make payment, send money and get paid online. It is an e-commerce business that allows payments and money transfers to be made through the Internet. A Cash Envoy account can be funded with Nigerian debit cards or through online bank transfer from specific local banks. CashEnvoy performs payment processing for online vendors, auction sites, and other commercial users. It charges a transaction fee for receiving money (a percentage of the amount sent plus an additional fixed amount). CashEnvoy is owned by Electronic Settlement Limited, an independent, private sector led, limited liability Company located in Lagos Nigeria focused on providing secure and convenient online solutions. Merchants, receive Money Online Easily pay and settle other merchants on your platform. No integration, withdrawal or subscription fees! Easy to use, with complete transaction records. Receive payment and donations online with ease. Accept payment on your online store from debit cards and CashEnvoy account holders. PROFILE CashEnvoy is the safest and most convenient means to make and receive payments online, within Nigeria. CashEnvoy.com is a web application that aids the transfer of money from person-to-merchant using the web application and personal email addresses. The service allows account owners to send money without sharing financial information, with the flexibility of payment using their bank accounts and debit cards. It is safe because account holders will not have to expose account details on the numerous websites they do business on. Convenient, because users don’t have to carry about cards to process transactions. Apart from using it to pay for goods and services online, it can also be used to donate money for a cause. CashEnvoy is approved by the Central Bank of Nigeria to process web transactions – BPS/PSP/GEN/PSM/02/010. CashEnvoy is owned by Electronic Settlement Limited, a limited liability company located in Lagos, Nigeria. An independent, private sector led, limited liability company focused on efficient, secure online services and facilitating the exchange of value between internet users nationwide. CashEnvoy is a member of Electronic Payment Providers Association of Nigeria. WEBSITE: http://www.cashenvoy.com/ 6. UBA UCollect

[UPDATE] Recently, New UBA Customers complain that they open account with them based on our advise, unfortunately International card processing is not activated for them. We advise you officially write/email UBA to inquire if they will activate International card processing for you before opening account. The UBA U-Collect is an Internet Payment Gateway service which allows Merchants accept online payments for goods and services. This solution accepts multiple card types available in Nigeria – VISA, Verve, MasterCard and e-Tranzact. U-Collect on the web is the same as POS but on the web for businesses that have presence online. An example of U-Collect is what you see on Aero page when you select to pay for airline ticket online. The platform support International VISA and MasterCard for selected industries. PROFILE United Bank of Africa (UBA) Plc is the West Africa’s largest banking and financial services group as measured by asset base, number of customers, branch network and profitability. It provides personal and commercial banking, wealth management services, insurance, corporate and investment banking and transaction processing services. The bank employs more than 17,000 staff (Core and support) who serve their over 6 million personal, business, public sector and institutional customers through their offices in Nigeria, Ghana, Cameroon, Cote d’ Ivoire, New York, London and the Cayman Island. As a leading player in the African financial services sector, the banks aspiration is to fly the flag of African excellence within the global financial community and to be a role model to other African businesses. The United Bank of Africa (UBA) Plc has largely been a Nigerian and West African Bank. As the largest financial services company (by balance sheet size, branch network, customer base and profitability) in West Africa and the biggest listed company in Nigeria (by market capitalization, December 2007), the group has been recognized as a leader within the financial services industry in the region and a key driving force of the region’s economic development. UBA now has presence in seven African countries, spanning West, Central and East Africa, with main operations in Nigeria and Ghana, two of the most vibrant economies of Africa. Today’s United Bank for Africa Plc (UBA) is the product of the merger of Nigeria’s third (3rd) and fifth (5th) largest banks, namely the old UBA and the erstwhile Standard Trust Bank Plc (STB) respectively, and a subsequent acquisition of the erstwhile Continental Trust Bank Limited (CTB). The union emerged as the first successful corporate combination in the history of Nigerian banking. UBA’s history dates back to 1948 when the British and French Bank Limited (“BFB”) commenced business in Nigeria and the erstwhile STB and CTB both in 1990. Following Nigeria’s independence from Britain, UBA was incorporated in 1961 to take over the business of BFB. Although today’s UBA emerged at a time of industry consolidation induced by regulation, the consolidated UBA was borne out of a desire to lead the domestic sector to a new era of global relevance by championing the creation of the Nigerian consumer finance market, leading a private/public sector partnership at supporting the acceleration of Nigeria’s economic development, and growing the institution from a banking to a one-stop financial services institution, while spreading its footprints across Africa to earn the reputation as the face of banking in the continent. Today, United Bank for Africa Plc, is one of Africa’s leading financial institutions offering universal banking to more than 7.2 million customers across 700 Business Offices in 19 African countries. With presence in New York, London and Paris, UBA is your partner for banking services for Africans and African related businesses globally. WEBSITE: http://www.ubagroup.com/ Website Design packages to begin selling your products and services globally within days at ediaro.com 7. ZENITH BANK GlobalPAY

GlobalPay is a web-based payment gateway that enables you accept payments on your website from customers all over the world. With a one-time integration, you can receive payments from a wide variety of locally and internationally issued credit and debit cards. This solution gives your business a global outlook and vastly expands your potential customer base. If you’re open for business on the web, you might as well be open for business to the world, and for that, GlobalPay is the perfect solution. FEATURES Acceptance of locally and internationally issued cards – Interswitch, eTranzact, VISA and Mastercard. Online log for monitoring transactions – View transactions as they occur Real-time online payments processing – Receive payments into your account immediately the payments are made. Multiple card acceptance from one-off integration – One setup fee and one integration enables you accept multiple cards. No need to integrate separately for each card type. Real-time transaction reporting and management – Automatically generated records of transactions as they occur enable you keep track of transactions. BENEFITS Provides global reach for your business. No delays in receiving your money Multiple card acceptances from one integration. Reduces administrative overhead Increases your purchasing power. Enhances security via 3-D Security implementation. Provides extreme convenience. Increases sales & cashless transactions PROFILE: Zenith Bank Plc, a leader in financial services, with headquarters in Nigeria, and subsidiaries in the United Kingdom, Ghana, Sierra Leone, Gambia, and South Africa (Representative Office), offers premium solutions to its teeming customers. We have been growing our customers’ businesses and wealth in the last 20 years and this has since positioned Zenith Bank as a financial institution of choice. Our business is built on our core principle of working in our customers’ best interest. Over the years, the Zenith brand has become synonymous with the deployment of state-of-the-art technologies in banking. We define service standards in our environment as we are in business to always deliver exceptional services to our ever expanding clientele. WEBSITE: http://www.zenithbank.com/ Professional web hosting and domain registration, register at ediarohost.com 8. 2Checkout (2CO)

2CO is the authorized reseller for thousands of tangible or digital products and services. Established in 2000 and headquartered in Columbus, Ohio, 2CO provides turnkey e-commerce solutions to thousands of business customers around the world. 2CO’s proprietary technology supports back-office functions including financial reporting, tracking, fraud prevention, affiliate tracking, customer service and sales tracking. Since inception 2CO has maintained a steady and maintainable growth. The company’s approach is geared towards providing quality service to new and existing clients without feeling the need to expand at a rate that would sacrifice service to our clients. International Payments 2Checkout’s online processing provides your business the ability to accept payments from customers in over 200 countries. Our customized checkout pages allow your customers to make purchases in any of 8 payment methods, 15 languages, and 26 currencies. Customers can checkout in 15 different languages: Chinese (Traditional), Danish, Dutch, English, French, German, Greek, Italian, Japanese, Norwegian, Portuguese, Slovenian, Spanish (Latin), Spanish (European), Swedish Multiple Currency Options: Accept payments on your site in more than 20+ different currencies from every corner of the world. You can get paid in dozens of currencies and multiple methods including, Electronic Funds Transfer that goes directly to your bank accounts, international Wire Transfer, or a 2Checkout branded Payoneer MasterCard. WEBSITE: http://www.2checkout.com/ Other Online Payment systems that works in Nigeria Not all online payment methods available that will be suitable for Nigeria but after doing a bit of research, we found out following payment processors would be operational for a Nigerian Merchant and Audience if you intend receiving money online in Nigeria: AlertPay Liberty Reserve 2checkout FASTECASH VTN Softpurse Apart from Alertpay, Liberty reserve(Lr) and 2checkout which is owned by foreign bigger companies, the others are owned to Nigerian companies and their trading currency is in the naira. 9. Alertpay (Now Payza)

The main currency with which your account will be domiciled is in the US dollars and for alertpay (which was later aquired and now Payza), you could withdraw to your Nigerian domiciliary account. Payza also affords you the ability to receive payments not just from account holders but also from credit card holders who may want to pay you with their credit cards. But in setting an Payza credit card platform, you would have to submit your website for verification and approval. Also it appears credit card users from Nigeria would have to verify their credit cards once for a start before they begin using it on your proposed website. One good thing about Payza is that it uses Instant Payment notification to alert you or your ipn handler that a payment has been made and you could use it to update your inventory as well as send an email (behind the scenes) to your buyer. Alertpay is now known as Payza. PROFILE Payza is the leading global online payment platform that specializes in e-commerce processing, corporate disbursements, and remittances for individuals and businesses around the world. The e-wallet platform provides Payza members worldwide with convenient and flexible loading and withdrawal options, such as localized bank transfers, global bank wires, credit/debit card, checks, prepaid cards, among others. With over 9 million members, Payza offers its services in 197 countries and in 21 different currencies. Payza is proud to provide its merchants around the globe a complete solution for accepting payments and managing their businesses. In addition, Payza offers foreign exchange services, fraud screening services, email invoicing, mass and single remittances and business management tools. Payza also provides under-serviced and emerging markets with an affordable and convenient way to receive international payments, thereby bolstering local economies in a global marketplace. WEBSITE: https://www.payza.com/ 10 Fastecash, VTN and Softpurse

These ones hold your e-currency in the naira and you can easily make payments and withdrawals by just using your bank account. It allows you to receive money from members who hold accounts with the same processor. One dynamic feature of Fastecash is that it also uses an IPN once you receive payment thus enabling you to satisfy customer’s virtual purchases using an ipn handler. We have not used Softpurse yet but it is also a growing means of online payment in Nigeria especially among recharge card online vendors. VTN can be used also for sending and receiving naira online and is also allows you to fund your Graphcard account which could be used for a lot of purposes such as a virtual credit card, US phone number, US address and so on. Receiving payment online as a Seller Now assuming you are interested in receiving payment online as a seller, you would need to have something like a store to dispaly your goods, get people to buy and filfil their orders. Well first in order to be able to receive payment online in Nigeria, you would of course need to have the following: Something to sell An online platform e.g website or vendor Payment processor Deliver orders Receiving payment online from friends and supporters While most people who receive a lot of money online do so from their buyers, we should also note that one could receive payment online too from friends and families who may want to support you in one way or the other. This may not require any serious setting up of an online platform like a website so all you may need is an email account and then hold an account with the payment receiver such as Alertpal, lr, softpures and others. You could use the platforms to request for funds from your contacts throughout the world and wherever the payment system is operational. People could send you money in minutes and when such payment comes in, you would normally get an email notification about it. One thing you should also need to do is to make sure that the notification doesn’t go into spam by adding your payment processor’s email into your addresss book. If you receive money in US dollars, you could cash the ecurrency into your bank account using bank wire or cheque and if it is naira, you could withdraw with your Savings, Current or Corporate account in Nigeria. Conclusion As more and more people in Nigeria get to use the internet, especially with the recent introduction of the Cashless or Cash Lite Policy of the Central Bank of Nigeria, chances are that there would be more ways of receiving money online and it would only encourage better service from the existing service providers. With all this features available and accessible to you, why don’t you get something started online today? With an online business, you don’t need a big store, furniture, large manpower to get online and sell your goods and services to the Nigerian and International audience. Whether you are a full time Student, full time housewife, NYSC Corper, Unemployed youth, Underemployed among others, you should think of a need you can meet, develop it and sell to the global audience of Hundreds of Millions.

About ediaro.com ediaro.com, a Proudly Nigerian, Truly International company has established itself as a industry leading ecommerce website development company. Our highly professional and flexible ecommerce platforms enables businesses to easily build and manage rich, multi-store and multi-device ecommerce websites with a significantly higher ROI. ediaro.com is trusted by leading National brands including Arts of Nigeria, Makinde Motors, Rosehill Group, Chartered Institute Customer Relationship Management (CICRM), Asokoro Island Limited, Association of Environmental Impact of Nigeria, and other companies worldwide – see our customer testimonials here. ediaro.com professional website designers and web developers provides integrated ecommerce (online store) site development, website development, website redevelopment, web hosting, domain registration, Secured Socket Layer (SSL) support and installation, Online payment Integration to your website. We have designed some affordable packages based on customers request to make begining y our project easier. Our Digital payments & collections services are complimentary, we help organisations with receiveing payments online and Bank branch (you can receive payment from all Nigeria commercial banks and some microfinance banks),Online, ATM, Mobile APP and others in Nigeria. To cut bank charges, minimise leakages, reduce waste of management time and improve profitability, you can also enjoy cheaper/lower bank charges when you pay your staff salaries, suppliers, affiliates, partners, distributors etc) – making use of services such as AUTOPAY, PAYDIRECT Bank Branch & Web, WEBPAY and other relevant digital payment solutions to run a successful business. Stanbic IBTC Bank Plc, Interswitch Limited and United Bank for Africa Plc among others have signed agreement with us, so we can help you facilitate and fast-track the setup process FREE if you desire, click here to contact us. If your concept is a means of making continuous residual income thru online membership website, ediaro eMembership is a custom built solution that manages online membership registration, members records, renewal (email & SMS alert),restrict contents access,ecommerce,hotel & event booking,donation,card payment, forum etc.It is designed to compliment existing professional associations, clubs and society process to make them successfull or work as a standalone online membership site. It all starts with the quality infrastructure – ediaro.com partners with some of the best, tested and trusted companies across the globe to provide you with the reliability and performance needed for ecommerce store. Our ecommerce web servers support many merchant account services. You can even get a great deal by buying service packages directly from us. And, if you ever require support, our team of skilled technicians are available to assist when you need them. To develop or re-develop a website to accept online payment, contact ediaro TEAM today to setup your business, Club and Society or Company ecommerce website for you and start accepting payment online realtime. Click here to request a website price Quote, visit our webcentre, email [email protected] or call (+234) 080-9502-9999 for more information. Share this with your family and friends – simply click on the logo of your preferred social network below to share.

About ediaro. com For over 5 years ediaro.com (a member of Fladio International Nigeria Limited) has provided web solutions and advertising for public and private sectors. Our main division is Computer and Information Technology. Thanks to our flexible approach towards the development of new solutions, we have often been at the inception of digital revolution and incorporating the most recent technologies. When you partner with ediaro.com, you are associating with one of Africa's best company for your ICT needs, we are the 1st Nigerian Company listed on the Economic Community for West African States (ECOWAS) ECOBIZ computer session in 2010. Focusing on quality, reliability and design of our products and services has brought us customers and partnership with local and Multinational Companies such as United Bank for Africa Plc (UBA), Interswitch Limited, Stanbic IBTC Bank Plc among others. Our current customer portfolio covers individuals, companies and Government agencies across the globe including Nigeria, India, United Kingdom, Mozambique and United States of America.

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284 Responses to Top 10 Online Payment Processing Platforms in Nigeria

komolafe on April 4, 2013 at 6:20 am Gr8 list. Which of this payment processor is the cheapest to setup and use, that would process payment for me and remit my money straight to my bank account in Nigeria the same day? Reply

ediaro.com on April 4, 2013 at 2:38 pm We recommend UBA UCollect. It’s free to deploy the UCollect. After every daily transactions, the money would be remitted to your UBA Corporate Bank account after 24 hours. Reply

Marshall Unduemi on July 17, 2016 at 3:29 pm How do i integrate Ucollect. Thank you Reply

ediaro.com on July 24, 2016 at 4:54 pm We have replied to you via email, please check and revert. Alternatively, engage the service of our developers at http://www.ediaro.com/index.php/websitedevelopment/2-uncategorised/42-online-payment-integration Reply

Agility on May 13, 2017 at 11:43 pm Hi, powerful and detailed article. Pls i will also like to integrate uba ucollect on my wordpress site. How can i go about it. [email protected] thanks.

ediaro.com on August 28, 2017 at 8:04 am Hello, You can check out some of our wordpress plugins at http://ediaro.com/wrd/product-category/payment-integration/ and see if you get one that meets your need, if not email [email protected] for custom plugin.

Raphmike on May 15, 2014 at 8:12 pm pls, i need U-Collect so urgent i have a project to work on. contact me here: 08037084075 Reply

Prince on May 18, 2013 at 6:18 am Tnx for the list. Which are the cheapest and easiest to setup. Reply

ediaro.com on May 18, 2013 at 6:43 am The setting up, cost and integration process varies. For example, UBA UCollect, Simplepay, Cashenvoy are free. Hence, to decide which one to use is determined by the existing development platform, shopping cart and availability of integration plugin or document. Please check those factors before selecting the payment gateway website. We recently signed an MOU with UBA to develop simple, free ecommerce website for customers and integrate UBA UCollect free. This comes with our usual professional support service,user manual and knowledge base for all customers, hence you wouldn’t need to worry about the coding, cart and others – interestingly it’s FREE. You can contact us at [email protected], visit http://webcentre.ediaro.com to setup your website or inquire further information . Reply

Manuels Johnson on June 3, 2013 at 10:45 am As for the UBA platform, “The platform support International VISA and MasterCard for selected industries.” Please how do you mean selected industries? Reply

Administrator on June 5, 2013 at 1:19 pm Hello Manuels, UBA UCollect supports virtually all websites that transact in morally standard businesses and services. But some sites that are not supported are websites dealing in pornography, gambling, illegal firearms etc. Reply

prince on October 29, 2015 at 3:00 pm How much is UBA service charge per transaction Reply

ediaro.com on October 29, 2015 at 3:28 pm MasterCard/Visa (local): 1.5% of transaction amount MasterCard/Visa (International) 4% of transaction amount – No Cap Reply

Fred on April 18, 2016 at 8:43 am do they use token for card transactions?

ediaro.com on April 18, 2016 at 8:48 am Yes, some Banks use token for card online transaction authorisation. Pingback: Requirements for Setting up an Ecommerce Website | ediaro.com

Sunnie on June 9, 2013 at 9:32 am Hi wHat fee does UBA charge per transaction for their U-Collect? Please advice Reply

ediaro.com on June 11, 2013 at 4:44 pm UBA Charges the industry standard of 1.5% per transaction. Reply Pingback: Guide to selling online | ediaro.com

anonymous on July 10, 2013 at 10:50 am Please which of this payment processors can accept international cards, and is it all of them that you have to own a current account before you can operate? Reply

ediaro.com on July 10, 2013 at 10:54 am UBA UCollect and simplepay are confirmed to accept local and international cards. You can integrate simplepay to a website without having a current account. Reply

philip on July 18, 2013 at 11:32 am hi please i would like to know can i use the Ucollect or any other of your platform to pay for the facebook ad which i have to set up and its quite urgent. thanks and kindly let me know the best channel to use and also the set up cost. thanks and well done for your comprehensive list. am quite familiar with almost all of them, but then using them for international transaction and the likes of facebook payment is quite a headache. pls kindly advice. Reply

[email protected] on July 22, 2013 at 1:52 pm Hello Phillip, You can integrate virtually all of them to facebook to accept local and international payments. But you’ll need the app developed or download it. You can contact your website developer (or ediaro Webcentre Team [email protected]) for support and integration. Reply Pingback: Online Payment Services in Nigeria: Let your customers Buy how they like – Accept Debit/Credit cards and Sell online | ediaro.com

steel on September 10, 2013 at 2:59 pm Hi, I use bigcommerce and they do not have any Nigerian Payment gateways integrated in their software. How can i have any of the above payment gateways integrated in my bigcommerce cart? Reply

ediaro.com on September 10, 2013 at 4:17 pm Hello Steel, A custom payment gateway has to be developed for your custom shopping cart – if there’s non there. You can contact your website developer or hire ediaro.com Programmers at http://www.ediaro.com/index.php/website-development/2-uncategorised/42-online-payment-integration . Reply

wale on September 30, 2013 at 10:09 am Do access bank also have any payment gateway like that of Gtpay, Globalpay and Ucollect Reply

Administrator on October 20, 2013 at 4:54 pm Yes, Access Bank have their payment gateway. Reply

Edikan on October 21, 2013 at 1:44 pm Hello I found your article about the various online payment systems in Nigeria and i want to commend your company for the nice research you have carried out. And i am interested in UBA UCollect. Please i will like you to tell me the procedures of integrating this online payment system into a website build with Content Management System like WordPress. And how ECommerce pages can be generated with this payment system. Are there some particular wordpress themes or pluginns that supports Nigerian payment system? Considering the fact that so many E-Commerce plugins supports only Paypal and Other Credit cards without Nigerians included. Do they generate their own E-Commerce pages like Shopping Cart and products pages as provided by some wordpress E-Commerce themes/plugins. Please i want to clarify myself about how they operate. Reply

Administrator on October 21, 2013 at 5:32 pm Hello Edikan, You can integrate UBA UCollect to wordpress and some other Content management systems – all you have to do is develop and integrate plugin that would post the transactions to the UBA UCollect payment gateway. Your website developer should be able to review and advice you on if it would conflict with the Themes or plugins you have installed on your wordpress. You have multiple options, some would cost you nothing, some little money and some would cost you greatly – depending on your products, services, hosting company and expertise of your website developer. Reply

Sammavel on January 14, 2015 at 10:56 am glad to be here,love your reviews on online payment processors great deal, firstly, i would like to make enquiries regarding opening paypal or payza account from Nigeria and successfully operate it without problems receiving payments from abroad safelyand the costs attached . Lastly,Happy New Year! Regards, Sam Reply

ediaro.com TEAM on March 13, 2015 at 8:38 pm Hello Sam, Unfortunately you cannot receive payment in Nigeria with Paypal; you can only send money. Meanwhile, you can setup a merchant account on payza http://www.payza.com to start receiving payment online. Reply

dapo on October 29, 2013 at 1:23 pm Nice list out there. Am interested in the uba payment gateway. Am working with drupal 7. How much will collect for developing the uba plugin for my site. Reply

Administrator on October 31, 2013 at 11:11 am We can integrate payment gateway to Drupal 7, but we have to know more details about this project, kindly reply to the email sent to you. Reply

miko on October 29, 2013 at 10:53 pm Really want to know if you can integrate UBA UCollect to my ngo site for donation,I run a chariity home,and please let me know all I need, kind of account i need to set up and please I want to know if the donation will have limit. Reply

Administrator on October 31, 2013 at 11:14 am

Hello Miko, You need to open a Corporate account with UBA to be able to integrate UBA UCollect to your NGO website. In addition, the donation does not have any limit. As discussed on the Telephone, we’ll furnish you with the necessary forms and guide you thru the steps you need to setup your website’; you’ll start accepting donation online realtime in a short time. Reply

Obed Aikins on July 15, 2017 at 11:38 am Hi, I’m in Ghana and i have an NGO Website Created with WordPress. I have partners overseas who would want to donate to my Charity Organization through a gateway that accepts international credit/visa/master cards through my website. I have a UBA Ghana account already but its not cooperate account. how can i set up UBA Ucollect on my website considering that i’m operating from Ghana Reply

ediaro.com on July 16, 2017 at 8:51 am Hello Obed, Please contact UBA Ghana to open an account and link activate it for international card acceptance. Afterwards, contact your developer to integrate the payment gateway to your website via the API to be supplied by UBA. Alternatively, you can engage our experienced programmers to handle it for you at a fee. Reply

Lola on November 3, 2013 at 10:55 am Hi, My need is actually for a platform with a more aesthetically pleasing interface. And of course, one with a good price. UBA’s Ucollect sounds good with it’s free integration option, only thing is I don’t have an account with them and the length of time it takes to open business accounts (I have 2 others now) is just a painful wait. I would like to have this integration done before the 2 week period it normally takes. I do have a GTBank account and enquired about using their payment platform but it cost N150,000 which my company cannot afford at the moment (and when the time comes that we can afford to pay that amount, I think we would rather put that money into other areas of the business than integration). Did I read clearly that you can have this integration fee waived? Please can I have some more info on this? And if possible, can you share any costs involved. Thanks, Lola. Reply

Administrator on November 11, 2013 at 9:44 am Hello Lola, We will integrate the UBA UCollect to your website free (depending on the site complexity though). You need to have a UBA Corporate account to use the UBA UCollect – because that’s where the money paid to you will be cleared into. We have sent you a more detailed email, please check and reply appropriately. Reply

joseph ogun on November 11, 2013 at 11:26 am l Urgent reply will be appreciated pls. have an ecommerce web site,but am UK based, and l want people to be able to buy the goods in Nigeria and pay,l see that us recommened UBA UCollect in most of ur reaply, if l open the account wil the bank generate code for me to use for me like the paypal . thanks Reply

Administrator on November 12, 2013 at 1:06 am Hello Joseph, We recommend UBA UCollect because of their Payment gateway local and international acceptability feature, FREE Deployment; and integration, easy process among others. Meanwhile, the payment gateway integration is different, please check your email for our response. Reply

Doggy Johnson on November 16, 2013 at 1:57 pm What about VoguePay? I’ve been using them for a while now and they are very good. I’m confuss becasue I didn’t see them in your list Reply

Administrator on November 17, 2013 at 6:04 am Hello Johnson, Voguepay didn’t make it to this year list as at the time of this review. Hopefully they might make it next year. Reply

Collins on November 20, 2013 at 2:17 am Hello Admin, Where can i find U-Collect link/page on UBA website? I have surf UBA website, but i can’t anything like U-Collect. I only see U-Mobile, U-Direct and U-Pay. Please reply ASAP. Reply

Administrator on November 22, 2014 at 9:07 am Hello Collins, You can find information about UBA UCollect online ubagroup website at https://www.ubagroup.com/countries/ng/ucollect Reply

bola oyeyemi on November 29, 2013 at 2:21 pm can UBA Ucollect be used for work-at home transactions? thanks Reply

Administrator on November 30, 2013 at 6:01 am Hello, The UBA UCollect like other payment gateway can work for work at home transactions. You may want to check our articles on: “Why every Business Should Accept Online Payments – http://ediaro.com/wrd/why-every-business-should-accept-online-payments/ to learn more. Reply

peter on December 2, 2013 at 1:11 pm how much will it cost for your services to integrate our website with an online payment company. we have a corporate account with Ecobank and do not wish to open another acct but wish to have payments for our services lodged in our acct. pls send me a detailed report. thanks Reply

Administrator on December 2, 2013 at 1:35 pm Hello, As earlier discussed on the phone, kindly check your email for our response. Reply

OLIYIDE JOHN on December 3, 2013 at 4:41 pm Good-day Admin, Please, am working on a project that will need an online payment both locally (NIGERIA) and internationally. Please which of these payments would you suggest and their cost implications. Reply

Administrator on December 3, 2013 at 9:58 pm Hello, All the payment gateways above supports Nigerian Cards. Meanwhile, for international payment processing, we will suggest UBA Ucollect – they are the only one that has been confirmed to support local and international and it is free. Meanwhile, Zenith Global pay is also to support International cards, but you might have to reconfirm this if it’s now working properly for international cards. The cost implication is N250,000 (Two Hundred and Fifty Thousand Naira Only). Simplepay is also supposed to support International cards, because they are powered by Zenith Global Pay for international payment processing. The cost implication for this too is FREE. Reply

Green on December 6, 2013 at 1:57 pm I want to accept payment on my website from all over Africa. I will prefer the funds be remitted to my account in the US, to avoid the unstable currency rates of Naira. We don’t want to have to deal with the hassle of black market. Thank you Reply

Administrator on December 14, 2013 at 7:48 am Hello Green, You have many choices to accept payment and get your money remitted to your Bank account. The choice you select depends on your budget, Business model, how fast you want to receive the fund paid in your Bank account, ability to meet up with their requirements, among other factors. Hence, please furnish us with more details to be able to give you suggestions. We await your response. Reply

john on December 7, 2013 at 12:49 pm I am thinking of setting up a website that will have a link to Paypal but I was shocked to realize that Nigeria was ommitted from the list of countries that could use Paypal. From experience, Paypal seem most popular for internet payment and you can register for free. Is this applicable to many of this list? I have never come across any of these platforms. How can I integrate one into my website and which one do you recommend that will be free like Paypal Reply

Administrator on December 14, 2013 at 7:59 am UBA UCollect and Simplepay are free and you can use them to accept local and international cards online. Reply

bolanle on December 8, 2013 at 10:12 pm You did not include STanbic IBTC CIPG (Consolidated Internet Payment Gateway). it incorporates all payment processors for all mastercard, visa card, etranzact and verve transactions . cards accepted are both local and international. You may contact them for more info so you can update your website. Reply

Administrator on December 14, 2013 at 7:50 am Thanks for the information, maybe they might meet up our 2014 list. Reply

Charles on December 30, 2013 at 4:49 pm I want to run a multi levels marketing company online which will warms that money is wired to my website users everyday. How do I go about wiring money to their account whenever they complete reffering targets? Note this wiring my be upto paying 100, 000 user at a go? Please enlighten me more. I really love this platform…..keep it up. Thanks Reply

Administrator on January 3, 2014 at 11:50 pm Hello, Kindly furnish us more details via email – to be able to respond to you extensively. Reply

Charles on December 30, 2013 at 5:00 pm A rather timely post for me, however I’m looking for a gateway that will allow a website to automate crediting cash back to a user or account as well – does anyone know of any systems out there that can do that? Reply

Administrator on January 4, 2014 at 8:36 am Hello Samuel, An email has been sent to you, kindly check and respond. Reply

Olalekan Balogun on December 31, 2013 at 12:29 pm Great Post. 1. Please which of this payment gateways can allow me have a custom designed payment page (UI). 2. And in a case of an hotel website, where by a guest makes reservation for one of the hotel rooms for a specific date. Eventually if the guest couldn’t make it to the country to occupy the room, do any of this payment gateway, have support to make refund back to the guest card. Reply

Administrator on January 3, 2014 at 11:53 pm 1. UBA UCollect gives you the option to blend the colour code to suit your existing website interface. 2. Most/All the payment gateways will allow you make refund back to the customer Debit/Credit card – it’s a Standard global practice. Reply

Samuel on January 2, 2014 at 1:19 am Hello Admin, pls can i use the UBA card on Blogger? If Yes, pls mail me details and cost on getting it work for my blog to receive donations. Thanks. Reply

Administrator on May 13, 2014 at 3:11 pm Hello Samuel, You can Use UBA UCollect on Blogger. To get started, visit: http://www.ediaro.com/index.php/website-development/2-uncategorised/41-uba-sign-mou-with-ediaro-com-todevelop-free-ecommerce-website-for-customers . Reply

Raphael Obadina on January 4, 2014 at 1:39 pm I am looking to integrate the best payment gateway for my e-commerce website (not yet live). It will be able to accept both local and international credit/debit card: MasterCard, Visa, Verve and Interswitch. In the case of unsatisfactory report by a customer and will want to refund back to card the money was charged from. Reply

Administrator on April 3, 2014 at 6:06 pm Hello Raphael, Refund are normally made to the card used to place the order – it’s a global practice. Reply

Ayoola on January 19, 2014 at 11:11 pm I am looking forward to embed buy now button to my website but don’t know how to do it. Can you help me out to fix this? You can also teach me. I prefer using http://www.2checkout.com Thanks Ayoola Reply

Administrator on May 13, 2014 at 2:30 pm Hello Ayoola, Kindly Check your email for details. Reply

temidayo on January 25, 2014 at 11:48 am Hello, Can i get more details about UBA UCollect, particularly on the cost to start up Thanks Reply

Abu on January 27, 2014 at 10:58 am Hi Well Done for this fantastic pieces of free information! If I had my way I would commend you for it. However, it would appear that you are promoting UBA’s platform much more that the others. We already have a business relationship with GTB, First Bank and FIDELITY. 1. Does the GTB Platform work very well with WORDPRESS? If yes, what is the initial setup cost? 2. Does First Bank or Fidelity have a platform? If yes, what are the cost implications and how would you rate them as an expert in the field? Reply

Administrator on May 13, 2014 at 2:54 pm Hello, We are not promoting UBA Platform, they are the one that fits the questions the customers were asking as at that time, watch out for our 2014 review to see who wins with evidence. 1. GTBank GTPay platform support wordpress. The initial setup cost is N75,000 and integration cost varies depending on the developer, contact our web developers team at [email protected] . 2. Yes, First Bank and Fidelity Bank has payment gateways. Please Contact Them directly for more details. Reply

bawo on February 4, 2014 at 8:46 am hello Admin, thanks for putting up such a great write up. please i run a sport tipping websites, where sports tips are be offered to the betting public, but would love to integrate a payment gateway so as to start monetizing my paid membership categories of users. but then again upon checking the list and seeing your recommendation to replies, i found that you insist mostly on Uba Ucollect. but from what i noticed they don’t accept anything related to (gambling, firearms and other elicit businesses) please i would like to know if they would consider mine to be in any of those sections. as what i offer out there in the marketplace is a solution and not a problem. thanks for your time and expected reply. BAWO. Reply

Administrator on May 13, 2014 at 2:23 pm Hello Bawo, We are sorry, but the Bank will not power a Betting Site. Reply

Bob Latif on February 5, 2014 at 6:10 pm Hi and thanks for a great list. I am looking to develop a Magento based ecommerce site selling in Nigeria and Ghana. I am starting my research on gateways. Which would you recommend that has the most comprehensive integration with Magento, accepting local and international cards, American Express and is able to process refunds directly from Magento. If needed could you do such an integration? Thanks Bob Reply

Administrator on April 3, 2014 at 6:04 pm Hello Bob, Yes, we can do the integration for various payment processors. Which of payment processor are you considering using? Reply

slastyles on February 10, 2014 at 5:49 pm Lovely article. Reply

Dee on February 11, 2014 at 1:22 am I need help, I need a payment solution that people can use. Payment options like using your airtime to pay for services, Short codes aren’t as popular as they used to be, but I run a charity and I want a platform where people can donate instatly through their phones, through sms, or through a simple web payment solution. Which would you suggest as an easy and cost effective platform? Reply

Administrator on March 19, 2014 at 4:10 pm We have verified this and affirmed that Simplepay can offer this service. In addition, the Managing Director noted that they are working on adding particular merchants and items on their mobile app so people can pay for it. You can contact Simplepay at [email protected]. Reply

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Oluwafemi on February 24, 2014 at 4:34 am Thank U for the post. can U recommend for me the easiest and safer means to transfer money from Nigeria to an account in Estonia? Nigeria’s bank Charges to transfer money outside is quite high. Your insight will be most useful. Regards Reply

Administrator on March 19, 2014 at 3:38 pm Hello, We Suggest you check different banks and compare the Bank Charges for transfers. Alternatively, request if the person you are paying can accept online payment with ATM Card (Visa and Mastercard) and pay them online with your Nigerian Issued, internationally acceptable cards. Reply

ola on March 24, 2014 at 3:56 pm is there any instant epayment site that accept visa card .i mean instant transaction Reply

Administrator on April 3, 2014 at 6:03 pm Yes, many of the payment processors accept Visa Cards, just that the day the fund will be settled to your Bank account varies from processor to processor. Averagely, it takes 24hours to settle funds to your Bank Account. Reply

Dr. Fred L. Harrison, Jr. on April 1, 2014 at 7:21 pm Thank you for your post. In the future a contractor in North America will be able to use a Mastercard ATM drawn on any bank in Nigeria, yes? Reply

Administrator on April 3, 2014 at 6:01 pm Hello, We don’t know if we get your question right. But many Nigerian Banks now support local and international cards, including China Union Pay. We don’t know if this answers our question. Reply

mikkey on April 2, 2014 at 11:26 am Hello, thanks for the detailed info provided. You just saved me from opening too many tabs looking for info. Pls, can u help in providing each banks transaction fee. and which you would recommend. Thanks and God bless you. Reply

Administrator on April 4, 2014 at 10:53 am Hello, We will provide the transaction charges in the upcoming 2014 edition of the payment processors review. Watch out for it – it will be more elaborate. Reply

ola on April 20, 2014 at 6:57 pm Hello, pls can you integrate UCollect with Prestashop? I urgently need payment collection for my website. Also can u help in providing each banks transaction fee. and which you would recommend Reply

Administrator on May 12, 2014 at 9:47 pm Hello, We can help you integrate UBA UCollect, GTBank GTPay, Zenith Global Pay among others with Prestashop. Inbox us at [email protected] to get started. Reply

ola on April 20, 2014 at 6:59 pm Hello, pls can you integrate UCollect with Prestashop? I urgently need payment collection for my website. Reply

Administrator on June 6, 2014 at 10:44 am Hello Ola, We can integrate UCollect and other payment processors on Prestashop. Reply

Mike on May 28, 2014 at 6:16 pm I am surprise that VoguePay was excluded on your list. They seems to be the best in West Africa, I suggest that you do your search analytic to confirm. Even Level 39 in the U.K have acknowledge them. Great news for Nigerians and Africa. Reply

Administrator on July 13, 2014 at 5:03 am Hello Mike, Thanks for your information, we are considering Voguepay in our ongoing review for Top 10 Online Payment Processing Platforms in Nigeria 2014 Reply

Worgu Chisom on June 5, 2014 at 10:12 pm I want to run a paid hotspot service in Nigeria. Please, what are my best options in getting a cheap online/cardless payment options for customers at my portal Thank Worgu Chisom Reply

Administrator on June 6, 2014 at 12:31 pm Hello Worgu, You have different options listed above, but to accept payment with stiff budget, you can consider Simplepay, Voguepay and Cashenvoy. Reply

Uchay on June 9, 2014 at 4:07 pm Hello Adbulazeez, You need to take a look at Remita solution. Check it out as it can do much more than most solutions on the market. Visit http://www.remita.net Reply

Administrator on July 13, 2014 at 5:01 am Thanks for your recommendation Uchay, we are considering remita.net in our next review, we have officially contacted them and expecting their feedback. Reply

Kasuwancin Zamani on June 25, 2014 at 5:53 am This an exotic information. I ‘ve been searching for it, now i found it & satified. Lots of thanks to Abdulazeez Idiaro & many other contributors. Reply

Administrator on July 1, 2014 at 9:26 am Thank Kasuwancin, we appreciate. Reply Pingback: Review for Top 10 Online Payment Processing Platforms in Nigeria | ediaro.com Pingback: Review for Top 10 Online Payment Processing Platforms in Nigeria 2014 | ediaro.com

victor obinna on July 12, 2014 at 1:28 pm U guys are great.I need information on different banks intergration ,their prices and the best ones now.tanks Reply

Administrator on July 13, 2014 at 4:57 am Hello Victor, We are currently reviewing payment processors for the “Top 10 Online Payment Processing Platforms in Nigeria 2014” glimpse available online at: http://ediaro.com/wrd/review-for-top-10-online-payment-processing-platforms-in-nigeria-2014/ . We will release a comprehensive result soon. Watch out. Reply

Administrator on July 19, 2014 at 5:54 am Official Launching of ediaro Payment Gateway ediaro Payment Gateway is an ideal solution for you to start your online payment processing business, this enables your customers accept payment for goods and services online using your Payment Processing Gateway… http://ediaro.com/index.php/website-development/2-uncategorised/58-ediaro-payment-gateway Reply

Ochuko Tonukari on August 14, 2014 at 6:38 pm Once we open a corporate account with UBA, can we begin to enjoy the benefit of integrating UBA UCollect into our website if we have a good web developer, without having to pay other fees? I am asking this question because, we already have a corporate account with GTBank, and now that we discover that Ucollect is viable for both local and international webtransaction, we are asking to know if we can begin the integration process after we have open a corporate account with UBA? Or are there other things to be done, and fees to be paid? Kindly let me know other processes outside having a corporate account with UBA? Reply

ediaro.com TEAM on February 7, 2015 at 7:00 pm You need to have a corporate account with the bank, have a website with a standard SSL installed on it. UBA doesn’t charge any other fee for UCollect. Reply

shola on August 17, 2014 at 7:31 pm Thanks for your inside. I m planning on building a website for my business * can your company do that for me * how much will it cost to build it with WordPress * how long will it take Thanks Reply

Administrator on August 17, 2014 at 10:16 pm Yes we can develop you an ecommerce website. KINDLY CHECK YOUR EMAIL ON HOW WE WILL GET STARTED. Reply

Emmanuel on September 2, 2014 at 9:14 am hi admin I would like to ask if these mentioned payment processors do offer recurring monthly payment services for customers who have members who pay monthly subscriptions, and if they do which of them does it. how can I get a ecommerce site Reply

Administrator on September 19, 2014 at 5:35 am Hello Emmanuel, Most of them don’t offer re-curring payments, we suggest you ask them directly – should incase they’ve made any update in recent time. Don’t hesitate to share the information with us if you get a feedback. Reply

Alix on September 26, 2014 at 6:20 pm Hello Every one can any one tell me that company called Elot pay ( https://elotpay.com/ ) genuine or not Please reply soon Thanks Reply

Quadri Opeyemi on October 8, 2014 at 8:34 am This is a great research work. But I think the operators of some of these mobile payment systems need to make their apps compatible with other phones with GPRS. Mobile payment apps shouldn’t just be for the users of smart phones. It is when this is done we can actually say user experience is met. Reply

segunola on October 10, 2014 at 3:09 pm Please I want to integrate with paid membership pro on wordpress which of this can be easily used? Reply

ediaro.com TEAM on February 7, 2015 at 7:02 pm Hello Segun, All the payment Processor can be used for Membership pro, depending on the professionalism of your website developer Reply

DON HABEEB on October 15, 2014 at 10:05 am Hi, I run an sms website and also a web hosting channel , I am going into online store soon Please can furnish me with a preferable easy and effective payment solution I will need more help from you on wb development kindly contact me so I can explain further what I want Reply

Administrator on October 18, 2014 at 7:40 pm Dear Don, kindly check your email – on how we can commence. Reply

Ify on October 21, 2014 at 1:40 pm

Hi, We built a website but we have been having difficulty with the integration of payment gateway, can we get free integration for UBA U collect? I need a response on this ASAP. Reply

Administrator on December 5, 2014 at 7:50 pm We can help you integrate UBA UCollect to your website, please send us more details via email to: [email protected] Reply

Samson joseph on October 29, 2014 at 6:15 am Please, can i use UBA collect to buy goods or invest outside Nigeria? Reply

Administrator on November 1, 2014 at 1:43 pm UBA UCollect is used to accept payment for goods and services and not to buy goods. Reply

Shiko Biko on November 19, 2014 at 3:35 pm Looking for a payment processor that will do bank transfer to unbanked users, and bank users. also that will accept SMS payments at the lowest fee. and also to accept online payments(epayments)….in Nigeria/Ghana/ and strong in rest of africa. what would you recommend? Thanks! Reply

Shiko Biko on November 19, 2014 at 3:40 pm Looking for a payment processor that will do bank transfer to unbanked users, and bank users. by that i mean , in/out transactions. Reply

ediaro.com TEAM on March 13, 2015 at 8:44 pm Interswich has a solution that can meet your custom need, you can contact them for more information. In addition, you can use a combination of internet banking, mobile money and transfer to ATM. Reply

Johnson on December 1, 2014 at 1:06 pm Thanks for your inside. I m planning on building a website for my business that accept both local and international cards. * can your company do that for me * how much will it cost to build it * how long will it take. Thanks Reply

Administrator on December 1, 2014 at 3:58 pm Dear Johnson, We can help you develop an ecommerce website to start accepting payments online just like many other customers, kindly check your email for ediaro Project intake form – fill and email it to us to get started. Regards. Reply

sane on December 4, 2014 at 8:18 pm where is voguepay? are these guys not reliable? How come they don’t make the list? Reply

Administrator on December 5, 2014 at 7:12 pm Voguepay are reliable. They just didn’t make it to the 2013 list. Reply

puja guha on December 19, 2014 at 7:55 am can u able to give any info on elot pay. can u help me with an info , who is the best payment processes, for out side of Nigeria, like india or asia . i need a good payment processer , i am indian Reply

ediaro.com TEAM on December 20, 2014 at 2:52 am Hello Puja, We don’t know much about elot pay, please make more inquiry about them. There are many options, but you can try the likes of 2checkout – because of their global outlook. Unfortunately, this review is targeted for Nigerians by Nigerians, other alternative payment processors will also be available for people in that region if you conduct more indept research. Reply

William on December 21, 2014 at 4:58 am I was not aware that UBA had their own payment gateway. This is good information Reply

ediaro.com TEAM on December 24, 2014 at 4:52 pm Yes UBA Does. Reply

Chris George on December 21, 2014 at 11:12 pm Hi, I observed that the GTPay is a good gateway. But, I observed that the gateway has payment issues, where customers are not able to make payments successfully. Also, it selects cards. Why and what would you suggest and how can you help me? Reply

ediaro.com TEAM on December 24, 2014 at 4:51 pm Hello Chris, Many issues can cause a payment gateway not to accept a card: 1. Some Bank Cards might not be activated for online transactions, 2. Card details might not be entered completely, e.g. GTBank Mastercard and some Banks write the last 4digits number on the Interswitch reflective logo which some customer don’t see. 3. Some cards require Verfied by Visa – VISA CARDS, Mastercard Secure Code – MASTERCARD and Safetoken/Hardware/Soft Token – for INTERSWTICH cards, some customers don’t know about this. Among other issues. Hence, we suggest you put simple FAQ or likely issues customers can have on your website where customers can see it when making payment. You can even make it in form of a picture with arrows pointing to the likely issues – to make them more informed. Reply

egbede gideon on December 23, 2014 at 9:04 pm One elotpay.com is a scam, and till now they ran away with my huge $$$ and no response again from them what so ever. Well am planing on building 2 websites, one like elotpay.com, and integrate Gtbank gtpay on it and the other that will have ecommerce site with prestashop and still with gtpay. Kindly furnish me with the requirements per website starting from domain and host to integration. For now I have used both uba ucollect and gtpay on international visa and master and I can assure people that gtpay is 100% the best. Pls this is needed fast, so try to quote me early. So I know where to start. Take a look at that elotpay and all its features before replying. Thanks and waiting Reply

ediaro.com TEAM on December 24, 2014 at 4:41 pm Hello Egbede Gideon, We have contacted elotpay.com on your behalf, kindly furnish us with more detailed information about your elotpay account your allegation of fraud is about – for us to investigate and take necessary actions. Meanwhile, we have sent you an email on your new websites, reply appropriately. We await your response. Reply

egbede gideon on December 25, 2014 at 10:07 am Well thanks for contacting them on my behalf, but I doubt you will get any response from them. Cos since 6wks now, the ran away, and switched off there phones. They don’t even reply mails again atall. I have $2200 in the account, and who knows what next?. What do you want me to furnish you with? Reply

ediaro.com TEAM on January 7, 2015 at 8:06 pm Hello Egbede, We have contacted them, but they have not replied till now, can you please send us evidence of transactions that transpired between you and them, anything you can lay your hand on can be useful – this will enable us take up the issue with relevant law enforcement agencies. We implore you to get an official Police report at the nearest Station to facilitate our processing. Reply

egbede gideon on December 25, 2014 at 10:12 am Thanks for contacting them, but I doubt you will get any response from them. What info do you want from me.Thank you Reply

Abdulazeez Idiaro on January 7, 2015 at 8:01 pm We need your account, transaction details and total amount they are due to pay you. Reply

ediaro.com on December 30, 2014 at 1:52 pm Thank you for your interest in ediaro.com annual Top 10 Online Payment Processing and aggregator platforms in Nigeria. Your support has made us the most authoritative platform for online payment processing in Nigeria today and we thank you for that. We are pleased to inform you that the “Top 10 Online Payment Processing Platforms in Nigeria 2014” has just been released. Check out NEW ranking of online Payment Processor/Aggregator topping the list in Nigeria. This is available online at: http://ediaro.com/wrd/top-10-online-payment-processing-platforms-in-nigeria-2014/ Reply

Bonny Mekwunye on January 3, 2015 at 7:04 am Good morning. Please it is possible to have a comprehensive list of E-pay providers in Nigeria? I tried to check on CBN site, but these coys are not there. Can you help? Greetings Reply

ediaro.com TEAM on January 3, 2015 at 10:27 pm Hello Bonny, We are sorrry, we don’t have such list. Reply

Daniel on January 7, 2015 at 7:38 pm Is there any mobile phone payment gateway in Nigeria to accept payment through phone recharge credit.pls advise thanks Reply

ediaro.com TEAM on January 7, 2015 at 7:46 pm Non we are aware of for now Reply

Kevin Jones on January 10, 2015 at 9:05 am which of these payment gateway will be good for online payment from American, Canada and UK customers. I owned a Technical Online Support company and since i have been using PAYPAL but i want to make use of nigerian payment gateway to get my interest transferred . Suggest me please the one to use for the Tech Support business .. Reply

ediaro.com TEAM on March 13, 2015 at 8:49 pm Accepting payment in Nigeria is simple, we suggest that you check out our Top 10 Online Payment Processing Platforms in Nigeria 2014 – http://ediaro.com/wrd/top-10online-payment-processing-platforms-in-nigeria-2014/ – we believe you will make better informed decision with it. Reply

oluwafemi on January 21, 2015 at 8:43 am Good morning, I do like to know about 3D secured or OTP, most of all time I try to shop online with my Naira Debit Card, I always encounter problem doing that With OTP verification Code, before getting my OTP text message most of time I run out of time, my debit card was once blocked for that, is there a secured payment gateway that does not ask for one time password. Please advice. Reply

ediaro.com TEAM on January 21, 2015 at 11:05 am Dear Oluwafemi, most of the Nigerian payment processors use 3d secured or OTP as a second level of security for your safety. In addition, selecting payment processors is the work of the merchant selling the product/service and not for you to choose. Hence, you need to know how to register and use the OTP. What is the Interswitch Safetoken Service? This is a system that generates a 6-8 digit One-Time-Password (OTP) whenever a transaction is initiated via the Interswitch Web Payment Platform. The customer’s card would have been previously linked to his phone number for him/her to utilize this service. At the point of initiating a transaction, the customer may receive an OTP via hardware/software devices, grid cards or SMS and then he is required to input this OTP on the web payment platform in order to complete the payment. The OTP is authorized by the Strong Authentication Server residing either at the switch or at the issuing bank and the transaction is completed as required. How can I register for the Safetoken service on the ATM? To register for the service, follow the prompt Go to the nearest ATM, and insert your ATM card Input your 4-digit PINand press Enter Select your bank account type eg Savingsor Current Select the ‘Quickteller’ option from the ATM menu screen Select ‘Pay Bills’ from the Quickteller menu list on the ATM screen Select ‘Others’ for the bill payment menu option list Enter ‘322222”as the Biller Code Enter your Phone Numberas the Customer Reference Number and select ‘Proceed’ You will get a display “Do you want to make this payment?” Amount Due:N1 DO NOT edit the amount to be paid Click on “Pay amount due” You will then get a confirmation page indicating the registration was successful What do I do when I do not get an SMS with an OTP after requesting for one? Send a mail to [email protected] for assistance in making sure you get your OTP or dial a short code *322*0# to proceed to getting an OTP. For more information, visit the interswitch Safetoken faq at: https://connect.interswitchng.com/faqs/safetoken-faq/ Reply

Oyewale-freeman Williams on February 2, 2015 at 9:22 am I’m starting up a gambling website, and I need a platform for payment, I would like to know which payment platform supports this kind of business and is cheap to start and operate, thanks for you anticipated timely feedback. Reply

ediaro.com TEAM on February 7, 2015 at 6:49 pm We are sorry, we don’t know any of the Nigerian payment processor that currently support Gambling website. Reply

Olusola on February 4, 2015 at 3:43 pm Great job guys. Please is there an international payment solution for individuals like Paypal, Moneybookers (Skrills) that allows Nigerians to receive payments? Reply

ediaro.com TEAM on February 4, 2015 at 3:48 pm You can try cashenvoy. Reply

ochagwu cletus on February 19, 2015 at 12:26 pm how can i integrate UBA U-collect to prestashop if i open the account with uba because am planing to bring up an e-commerce. thanks Reply

Alagbe John on March 13, 2015 at 1:46 pm I will need help how to setup payment gateway on my NGO, I will like to talk to you on phon Reply

ediaro.com TEAM on March 13, 2015 at 8:30 pm Hello Alagbe, We have replied to your email, kindly check and reply. Reply

Kenneth Bulus on March 23, 2015 at 1:26 am I am interested in finding a payment company that allows reoccurring billing. Is there one that works with Nigerian companies to allow reoccurring billing without the customer having to every month or when ever payment is due, manually pay? Reply

ediaro.com TEAM on April 7, 2015 at 10:37 am Non at the moment. But you can consider using 2checkout, it’s a US Based company, but accepts reoccuring billing and support Nigerian Banks Visa and Mastercard. Reply

Sanusi on March 28, 2015 at 2:41 pm

Dear Sir, i ve a partner in business which are about establishing a payment kiosk in Nigeria, and thy are asking me of payment service company, also can u tell me more on how to start up a payment kiosk in Nigeria? Reply

ediaro.com TEAM on March 28, 2015 at 2:55 pm Hello Sanusi, What did you mean by a payment kiosk, can you be more elaborate to enable us advise you properly. Or if professional advise is needed, hire our PPU Team as a consultant to give you a very comprehensive insight into Profitable Nigeria Payment Processing, email: [email protected] or call 08095029999 Reply

Joe on April 8, 2015 at 7:27 am Hello Admin, I want to intergrate payment solutions (that is, for donations) on my website. I am thinking of using SimplePay, GTBank, UConnect or InterSwitch. I am a bid knowledgeable in HTML and PHP. 1. Please, can you advise me on how to go about it? 2. It possible to intergrate more than one payment gateways on a website? If yes, do they follow different processes for each? Your advice will be much welcome. Thank you. Reply

ediaro.com TEAM on April 8, 2015 at 8:05 am Hello Joe, You can integrate donation button for one or all the above stated payment gateways. 1. The payment processors will send you an integration document and process flow for you to do the integration as you desire – depending on your programming language. 2. Yes, it is possible to integrate more than one payment processor. The processes varies, but you can streamline them, depending on your technical programming know how. Reply

justin on April 17, 2015 at 11:04 am lovely write up you did ur research well but i wan to ask which of this payment gateways supports a wordpress site conveniently Reply

ediaro.com TEAM on April 20, 2015 at 11:47 am All of them support wordpress. You might have to develop wordpress plugin for most of them though. Reply

Joshua on April 24, 2015 at 8:53 am thanks a lot sir. am currently on a project. I want to know which of this payment gateway you would recommend for an ecommerce site developed in php. was actually considering paypal . but as you said on one of ur replies that u can’t receive money but can only send from Nigeria on PayPal. can you explain in details and if possible include ur mobile number so we can discus more on phone. thanks pls keep up the good work and God bless you. Reply

ediaro.com TEAM on April 24, 2015 at 9:22 am Which other information will you want to know? You can email: [email protected] or call us on (+234)080-9502-9999. Meanwhile, for PayPal specific queries you can contact PayPal directly at http://www.paypal.com/help or call them on +1 402 517 4519 (English only) Reply

Oluranti Diyan on May 14, 2015 at 7:36 am Good morning. Please I’d like you to look up http://www.gfedv.org and let me have the cost of developing a site with identical functionality via email. We are a young NGO addressing the issue of violence in secondary schools. Kindly note that ability to receive donations online is key. Thanks. Reply

ediaro.com TEAM on May 14, 2015 at 9:55 am Hello Oluranti, Thank you for your interest in ediaro.com website design and development services. We have reviewed your sample website and sent you an email on how to proceed with the website development, please check and reply. Reply

Daniel on May 25, 2015 at 5:30 pm Hi Ediaro, Great work! Does UCollect have API/Plugin for OpenCart (MijoShop)? Our store front uses MijoShop, which is built on OpenCart. Reply

ediaro.com TEAM on May 25, 2015 at 5:43 pm Thanks Daniel, UBA UCollect does not have an API/Plugin for Opencart, but we can help you do the custom integration, please check your email. Reply

Elias on May 26, 2015 at 8:13 pm We have a website in whichin use the GTPay as our preferred merchant but the number of failed transaction notification we get each day is alarming. To this end we get fewer returning customers. Can I get a better and reliable merchant? Thank you Reply

ediaro.com TEAM on May 27, 2015 at 5:17 am Hello Elias, Many factors can lead to your cancelled transaction, your checkout process, additional rates to the product price (e.g shipping, handling, tax) and others can be a factor that leads to shopping cart abandonment or cancelled transaction in some cases. Have you analysed your site for all this and others? We suggest you do a through analysis yourself or hire someone to do it for you before (such as: web your developer, seo expert or [email protected] to do it for you) you make a conclusion. Anyway, there are many payment options you can choose from, we advise that you check our latest review of TOP 10 ONLINE PAYMENT PROCESSING PLATFORMS IN NIGERIA 2014 available online at http://ediaro.com/wrd/top-10-online-payment-processing-platforms-in-nigeria-2014/ , their cost implications, customer feedbacks, pros and cons among others. We await your response. Reply

PHILIP SULE on May 30, 2015 at 4:01 pm I’m oprating with master card in ecobank & first bank, now how will I use the ATM to collect money from, US, UK CANADA etc. Reply

ediaro.com TEAM on June 1, 2015 at 2:28 pm You can’t receive payment with your Mastercard – you need a payment processor to do this. We have sent you a form, fill and email it back to us. Reply

Ade on June 3, 2015 at 12:20 pm I want further details on the web payment processor. I want to include it on my landing page. Thanks. Reply

ediaro.com TEAM on June 3, 2015 at 2:51 pm Dear Ade, We have sent you an email, please reply – to integrate to the landing pages. Reply

Kayode on July 1, 2015 at 11:04 pm I have just reated on ecommerce website using WordPress woocommerce. I love the template I used…..but I want the site to carry a new feel…..pls I want to if u can help me redefine the site landing page. Reply

ediaro.com TEAM on July 4, 2015 at 4:46 am Hello Kayode, We can help you define the landing page as requested. Speak to our webcentre team on (+234) 080-9502-9999 or email [email protected] with more details about the website. Reply

Theodora on July 15, 2015 at 11:17 am I want to purchase the WP estore plugin and I’d like to know if any of these payment processors can be added to it. Thanks Reply

ediaro.com TEAM on July 17, 2015 at 8:11 pm Dear Theodora, All payment gateways can be added to WP Estore, you may have to develop a custom integration plugin – to connect your website to the payment processor. To simplify this process you can engage the service of our Webcentre team by: Calling: 08095029999 or email: [email protected] OR visiting: http://ediaro.com/index.php/websitedevelopment/2-uncategorised/42-online-payment-integration , Reply

Chinebu Emma on July 17, 2015 at 10:21 am In view of the high rate of us dollars and its impact on importer, Do you have any way that will help us bypass this higher exchange rate? Do you have any system that will help me withdraw my money overseas without loosing so much in exchange? Urgent. Thanks Reply

ediaro.com TEAM on July 17, 2015 at 8:08 pm Dear Chinedu, Please speak to your Bank account officer to advise you adequately. Reply

Doris on July 21, 2015 at 9:27 am Hi. Thanks for this insightful article. I have a question. I have a website I want to use in selling my novels (ebooks) but I’m so confused which payment portal to use. I can’t open a corporate account in any bank in Nigeria. Lastly, is it possible to use one of the above payment portal and also have that of recharge card payment on the site. Thanks for your response Reply

ediaro.com TEAM on July 21, 2015 at 2:38 pm Dear Doris, You need a Corporate account to use virtually all Nigeria payment processors (except cashenvoy we know accept personal accounts). Meanwhile, we don’t know what you mean by recharge card payment, please explain. Reply

Doris on July 22, 2015 at 9:38 am Hi. Thanks for your response. I mean like how they do it on okadabooks. You pay with a recharge card pin instead of your debit card. I think they use etisalat network for that Reply

ediaro.com on December 3, 2015 at 10:22 am Hello Doris, We have contacted etisalat on okadabooks etisalat recharge pin payment option. Unfortunately, etisalat replied that they are not aware of this service and even advise that we should not not enter our recharge PIN for any online transaction. So please take note Reply

Doris on July 22, 2015 at 10:21 pm Okay. Thanks Reply

ediaro.com TEAM on July 31, 2015 at 11:29 am We am pleased to inform you that we have just signed an Agreement with Stanbic IBTC Bank on their Bluepay online payment gateway. We can help you facilitate the entire process of Setup, integration to receiving payments online. The platform support Local and International Visa, Mastercard and Interswitch cards and also more affordable. For more information, call: 080-9502-9999 or email: [email protected]. Reply

Skoybus on October 3, 2015 at 5:38 am Nice to hear that ediaro.com can now help to facilitate the process of setting up and integration of using the StanbicIBTC Bank online payment gateway to receive payment on website. This is a good way for website owners to start taking payments online. Reply

Uthman on October 12, 2015 at 5:15 pm Can you help me in integrating payza with wordpress easycart on my website? Reply

ediaro.com TEAM on October 13, 2015 at 9:28 am Dear Uthman, Thank you for your interest in ediaro Online Payment integration services, we can help you with all forms of payment integration, details of this available at http://www.ediaro.com/index.php/website-development/2-uncategorised/42-online-payment-integration . We have sent you an email, please check and revert – to enable us proceed. Reply

bekedemor joseph on October 14, 2015 at 10:07 am am running an online shop and i need advice of the payment processor to use in nigeria. and how to get sms billing in nigeria… example like 2go chat app that use sms code to pay for their serivce thanks. Reply

ediaro.com TEAM on October 14, 2015 at 12:00 pm Hello Bekemedor To use SMS Code to pay for service, there is need to relate with the mobile telephone operators such as MTN, Globalcom, etisalat, airtel among others to ask them how you can subscribe to that service. Afterwards, you will do the payment integration to your APP or website. Reply

Chukwudi Festus on October 16, 2015 at 7:57 pm I am promoting a foreign company online and it agrees to pay through paypal, payza, cheque or money gram. Incidentally, I am a novice when it comes to online payment transactions. What is your gracious advice to me on how to access the money. Thanks and God bless you. Reply

ediaro.com TEAM on October 17, 2015 at 8:37 pm Dear Chukwudi, We advise you accept Moneygram transfer to your Nigeria Bank account (similar to receiving western union money transfer) or cheque Reply

Timothy on October 22, 2015 at 1:59 pm Hi, thx for the write up… just developed a hosting website and am the integratioin process with payza which i first got to know about from your website, but was considering adding another one so i came back to look up the list.. I noticed you talked so highly of UBA Ucollect, please looking at my website what exactly will be needed for the integration… Thank You Reply

ediaro.com on October 22, 2015 at 3:04 pm Hello, Using payza as your first payment option means we need to make a clarification, who your target audience Nigeria or International audience? If it’s local, you can still use UBA UCollect, but if it’s international, at the Moment we will recommend Stanbic IBTC Bluepay is your best option. We can fast track this process for you ([email protected] or call < +234> 08095029999)- as we just signed a Strategic Agreement with the Bank, view details at: http://ediaro.com/wrd/fladio-signagreement-with-stanbic-ibtc-bank/ Reply

Timothy on October 22, 2015 at 9:13 pm Thx for the reply, have heard people complain about lossing their money to stanbic ibtc…. am looking at the local audience for now… this are options am looking at … Payza, Voguepay, UBA Ucollect.. this were actually the three i was considering, from you experience which would be the best.. Thx Reply

ediaro.com on October 25, 2015 at 10:07 pm Considering the 3 options below, our reviews for 2013 and 2014 clearly reveal that UBA UCollect is still the most recommended among your highlighted options. Reply

abiodun on November 2, 2015 at 2:41 pm nice payment gateway… i Think you should also segment them accoding to relevance and monetary value… some are free while other are expensive gateway Reply

ediaro.com on November 2, 2015 at 2:44 pm Thanks Abiodun, We will note that. Reply

Anthony on November 4, 2015 at 3:29 pm Thanks for the good, highly valuable information on your website. I’m presently developing some mobile apps. What are my options for receiving payment for mobile apps (android app on google play store)? Reply

ediaro.com on November 9, 2015 at 9:28 pm Hello Anthony, You can use virtually all the payment processors listed below for accepting payment on your mobile apps. Reply

steam games on November 15, 2015 at 3:18 pm A full moon somehow triggers more positive ions into the air and a new moon negative. Page redirection post-payment : One of your clients has just made a purchase; it is the payment platform and will be redirected to a confirmation page on your site control. ‘The economy of technology gives an idea about stepping out from the conception that the real value is created by the advancement,’ Snyder adds, reported in Micron Associates. Reply

Iyke on November 25, 2015 at 8:14 pm Hello. I am looking forward to developing a directory/portal website where users can pay dues and other payments on the website. I have not done anything yet but I would like to know how I can approach the payment aspect of this website and how to properly integrate it into the site. Also Are there any things to ensure I do during development of the site so that payment can work well? many thanks. Reply

[email protected] on November 25, 2015 at 8:37 pm Dear Iyke, Thank you for considering ediaro.com. We can help you with the entire process – which includes your website design, development and payment integration. certification to go-live stage. An email has been sent to you, please reply. Reply Pingback: Top 10 Online Payment Processing Platforms in Nigeria 2015 | ediaro.com

Samu on January 4, 2016 at 8:26 pm great value you guys are providing here @ the Ediaro team. well, i use this site called clickfunnels, and I’d like to know if a great payment processor can be integrated with that site. P.S im looking more at the international market. thanks Reply

ediaro.com on January 4, 2016 at 10:36 pm Hello Samu, From the review above, Stanbic IBTC Bluepay is the best option presently to setup and commence accepting international card payments. You can check out our Top 10 Online Payment Processing Platforms in Nigeria 2015 available online at http://ediaro.com/wrd/top-10-online-payment-processing-platforms-innigeria-2015/ for reasons. Reply

Samuel on January 13, 2016 at 10:27 pm Online payment processors listed here, are they all classified under E-wallet? I want to open an ewallet account Reply

ediaro.com on January 13, 2016 at 10:46 pm No, some have ewallet others don’t. Reply

Adeyemi on February 19, 2016 at 6:33 am Hi guys, for customers to purchase goods via uba gateway, must they be registered with uba’s program… or its just simply buy goods and check out… Reply

ediaro.com on February 19, 2016 at 5:37 pm No. The customer only need to have a Mastercard or Visa from any bank in Nigeria. If UBA activate you for International card processing, you will be able to receive Nigeria and International Visa and Mastercard. Reply

OrangeMedia on March 5, 2016 at 12:05 pm Great! I am currently working on an eCommerce site and I want Credit Card payment option enabled, is that possible with any of this without having an SSL Certificate on the site. If it is possible, how can I integrate it with the site? I am using the WordPress CMS platform and the woocommerce plugin by woothemes. Thanks Reply

ediaro.com on March 6, 2016 at 9:30 pm There are many payment processors that doesn’t require an SSL to receive payments online. To select another option, your choice of payment processor can be determined by many factors, among which are target audience (local or international), deployment cost, transaction charges, customer service, value added services among others. For instance if your target audience is receiving payment from Nigerian customers, we advise you go with Interswitch Webpay. Meanwhile, if you are thinking of selling to Nigerian and International audience, you can go with Stanbic IBTC Bluepay CIPG and MIGS (more description of them at Top 10 Online Payment Processing Platforms in Nigeria 2015 available at http://ediaro.com/wrd/top-10-online-payment-processing-platforms-in-nigeria-2015/ ). We can help you with a fast tracked deployment processing,technical and professional support among others FREE of charge (for our partners payment gateways). If also required, we Offer discounted and/or FREE integration on some websites – if you send us your website for us to review. Let’s know which payment processor you need and we will forward you the forms and other required information. Reply Pingback: Top 10 Online Payment Processing Platforms in Nigeria | Haxzzallian Software and Web Technologies

yemi on April 2, 2016 at 5:47 am I want to fund my online payment account like neteller but I have been having issues because of the ridiculous dollar exchange rate in Nigeria now,kindly help on cheaper way to go about this, Reply

ediaro.com on April 18, 2016 at 8:50 am Dear Yemi, We advise that you contact neteller or your Bank directly for advise on alternative mediums for funding. Reply

Akin Olatidoye on April 26, 2016 at 6:18 pm Thanks for the well highlighted article on online payment processing platforms in Nigeria. Please, I will like to ask what the rough estimate of the volume/size of online payment market in Nigeria is e.g say within the last 7 years. Also, which industries or sector benefit most from online payment processing platforms. Please can you give examples? Reply

ediaro.com on April 27, 2016 at 3:20 pm Dear Akin, Following the email trail below, please contact our R & D Team via info@ ediaro.com with detailed information – for updates. Reply

Chidi on May 2, 2016 at 6:44 am Hello, please how much do you charge for building an e-commerce site with woocommerce and I also want the UBA processing for payment for both local and international transaction. Thanks Reply

ediaro.com on May 2, 2016 at 6:48 am Dear Chidi, Thank you for your interest in ediaro website development and payment services services. We have sent you an email, please reply. Reply

Hilchard on June 7, 2016 at 8:54 am why is Remita not on the list of the top 10 payment processing platforms? Reply

ediaro.com on September 15, 2017 at 4:26 pm Remita couldn’t make it to the 2013 list, but they are on the 2015 list. Reply

Chidi on June 17, 2016 at 5:56 pm Among all the platforms you listed, none of them seem to give me a solution to what im looking for. I want a platform that can receive payments using short codes of GSM network providers and the fund remitted to a targeted account. Pls contact me if you have an idea so that I can brief you further. Reply

ediaro.com on June 29, 2016 at 11:27 pm Dear Chidi, Unfortunately, we don’t have an idea of how you can do this. Reply

taofeek on June 25, 2016 at 8:10 pm please how much do you charge for building an e-comerce website when the content is ready and how much will the UBA or GTB process cost Reply

ediaro.com on July 24, 2016 at 5:01 pm Dear Taofeek, We’ve responded to you via email, kindly reply. Reply

IDAM on June 28, 2016 at 6:25 am sir, i currently run a pay tv sales outlet.i will like to link my business to the quicteller platfom. but my worry is,since there are hundreds of others already there, how do customers locate me or are customers queued up? Reply

ediaro.com on September 15, 2017 at 4:27 pm When you are created on quickteller platform, you have your unique url where customers will only see your details, products and cost. Reply

Amechi on July 4, 2016 at 6:52 am nice post, pls can i use d UBA Ucollect for a digital product. if yes hw can i achieve it. a case where customers pay online and automatically download their products without my involvement or any further processing. again is there any way to track payments made into the acount. Reply

ediaro.com on July 24, 2016 at 5:00 pm UBA UCollect can be used to process payments for downloadable products. A return url will be supplied to the Bank for them to set – before auto-download can be active after payment. All payments and settlements can be viewed via UBA UCollect merchant account bank end and amounts settled via uba udirect internet banking. Reply

Amechi on July 4, 2016 at 6:56 am doe UBA Ucollect have online exchange for receiving USD into the Naira account, or does it need a dormiciliary account to that effect. Reply

ediaro.com on July 24, 2016 at 4:57 pm UBA UCollect receive international payment to naira accounts. Please note that UBA UCollect setup for international card acceptance is quiet tough now, we implore you to confirm from the Bank in writting before filling the forms. Reply

David Chicka on August 2, 2016 at 3:09 pm Dear Sir, I must commend your efforts for this work. You have done a great job by enlighten people on this important topic. I will like you to tell me if http://www.2checkout.com accept Nigeria. Thank you. Reply

ediaro.com on August 23, 2016 at 11:05 am Dear David, 2Checkout support Nigeria cards payment. Reply

vincent okezi on August 17, 2016 at 1:31 am how can i get or open a merchant, i am running business abroad and a merchant account is needed for cash transfer, the things is i dont bank with uba so how do i go now, please reply to my email thank you. Reply

ediaro.com on August 17, 2016 at 10:19 pm Hello Vincent, we’ve replied to your email, please check. Reply

Abisola on August 24, 2016 at 10:53 am Hi, Can you please contact me. I am starting an online business that will require a payment platform where people can pay from anywhere in the world including Nigeria. I am open to the UBA platform. However, as it is, i am a bit confused as to how to start. Do not have a site yet. Can you help with this? Reply

ediaro.com on September 15, 2017 at 4:32 pm Hello Abisola, We advise you to check out our website design packages at http://ediaro.com/wrd/product-category/web-design-development/ , it simplifies the process for you. In addition, we have sent you an email, please check and revert. Reply

Lawrence Godquest on September 25, 2016 at 8:35 pm Hi, Pls kindly help me the range of the best online transactions platforms. Our company give business support to small scale businesses and we are exposing them to the use of online transactions. Pls can you help me with the range of the best online transaction platforms. Reply

ediaro.com on September 27, 2016 at 4:12 am Dear Lawrence, We need some basic details to be able to advise you properly such as your client budget, their target audience (local and/or international audience), are they interested in any of our SME web development services etc. We have sent you a detailed email, please respond to it. Reply

Helen on September 28, 2016 at 7:48 pm Hi I really appreciate the efforts made to clarify some issues. I’m currently working on the safest e-payment platforms in Nigeria. I know I can always come to you for some knownledge. Thanks once again Reply

ediaro.com on October 11, 2016 at 4:27 pm You’re most welcome helen, we’re always available. Reply

Julius Abidoye on October 4, 2016 at 7:44 pm Hello, please we need a very good payment proccessor to integrate on our new ecommerce website. we have registered with Simplepay but our customers are doubting the originality of simplepay on our site. they said their information may not be secure because of how simplepay enviroment look like when they want to chechout, so am looking for a good proccessor that will redirect customers to their site for customers to make payment. Thanks. Reply

ediaro.com on October 11, 2016 at 4:26 pm Hello Julius, We advise you check our 2013, 2014 and 2015 annual review to get the processors available in Nigerians and their charges. Reply

Julius Abidoye on October 4, 2016 at 7:47 pm The payment proccessor that will allow free integration and minimal charges will be highly appreciated thanks Reply

Stella Uche on October 7, 2016 at 11:44 am Hi, I want to lunch a course on a platform that supports online courses but I need to have a merchant account to be able to receive payment for my course. Please how do I go about it. Thanks Reply

ediaro.com on October 11, 2016 at 4:23 pm Hello Stella, You need to setup a merchant account (with an online payment processor or Bank), integrate the site to the merchant payment platform enter your merchant details – to ensure funds are settled to your bank acount. We have sent you a simple step by step process and areas we need clarifications. We await your response. Reply

positive on October 24, 2016 at 11:09 am Good day, please i need website development and payment processor gateway for e commerce purpose i want to know the total cost, i want Uba payment gateway or first bank. Reply

ediaro.com on November 4, 2016 at 12:05 pm Dear Postitive, We’ve responded to your email and forwarded you relevant document and forms. Reply

Abiola on November 4, 2016 at 9:22 am Hello! Please, I need to integrate a payment gateway for both a video website and a video streaming app. In addition, to one-off payment, I need an option of monthly subscription in which the pay will be automatically deducted monthly. Do I settle for UBA UCollect, Interswitch or other with the current state of the providers? Please advise! Reply

ediaro.com on November 4, 2016 at 12:04 pm Hello Abiola, We have responded to your email; our programmers will be happy to handle your website and app integration. Reply

Deba Ellan on November 7, 2016 at 1:03 pm hello, i am currently working on a wordpress e-commerce website. Please can you advise on how to incorporate gtPay or suggest a better alternative into the site? Reply

ediaro.com on November 11, 2016 at 4:19 pm Dear Deba, You can order our GTPay for our woocommerce from http://ediaro.com/wrd/product/gtpay-integration-for-wordpress-woocommerce/ and use for your site integration. Reply

ransom on November 19, 2016 at 4:17 pm The online processing plat forms in Nigeria are really great . i had a challenge buying from Nigeria with vogue pay . any one with a similar experience with vogue pay? Reply

ediaro.com on September 15, 2017 at 4:35 pm Hello Ransom, Which problem are you having with voguepay please? Also, have you contacted their customer service to complain? Reply

Lola on March 2, 2017 at 4:17 pm Hi, Which payment gateway is best to intergrate on a wordpress e-commerce website? My business current acccount is GTB. Reply

ediaro.com on March 9, 2017 at 6:28 am Dear Lola, Unfortunately, there is no uniformly best wordpress plugin. Infact, we think you may word it as which payment gateway can you easily get it’s integration plugin for wordpress. Meanwhile, since you mentioned that you have a Business account with Guaranty Trust Bank Plc, you can consider going with GTBank GTPay. Alternatively, you can go with Interswitch webpay, you may want to checkout http://ediaro.com/wrd/top-10-online-payment-processing-platforms-in-nigeria-2015/ and http://ediaro.com/wrd/webpay/ to learn more about them respectively. If your website is powered with WordPress Woocommerce, you can order the integration plugin at http://ediaro.com/wrd/product-category/payment-integration/ . If your preffered plugin is not listed, our developers can custom develop the website for you from the beginning. Even better our developers can help you facilitate the entire setup, configuration and certifications (if necessary) with relevant stakeholders; till you begin receiving card payments on your website. This might attract a little extra, but ideal for customers who hasn’t handled a Nigerian payment gateway integration before in the past. Reply

omololu on March 8, 2017 at 11:11 am Thanks for this post.pls i want to invest in some international companies and am looking for a payment platform that can aid payment and collection of proceeds.which would you advice Reply

ediaro.com on March 9, 2017 at 6:25 am Dear Omololu, We advise you contact your bank to advise you if they are willing to activat international card processing on your corporate account for your website Reply

Zheey on March 21, 2017 at 7:52 am Thanks for the article. Please write in Nigeria do you think UBA UCollect is still better than others like GTPay and Interswitch because i will like to integrate one of this on my website.Thanks in advance. Reply

ediaro.com on April 4, 2017 at 9:48 am Dear Zheey, All the payment gateways listed above are good. Meanwhile, there are many factors that accrue to be the best payment gateway for you as an individual, we advise you explain what you want to achieve, your target audience among others for us to be able to guide you better. Reply

ebuka on April 3, 2017 at 6:05 pm Hi, i want to integrate simplepay into my website but unfortunately, the api they provided isn’t working too well and customer support is quite poor. Can you kindly point me through as i’m starting out on this for the first time. Do you have any code snippet i can look at and learn from? i’m developing from scratch without any plugin. Reply

ediaro.com on April 4, 2017 at 9:45 am Hello Ebuka, We advise you try a mixture of the following: 1. Send them email – Check their contact page and email them 2. Download some plugins from their website and study them – You will get plugin for woocommerce, opencart etc on their website 3. Engage the service of a professional payment integration expert – ediaro.com team can help you on that for a fee; email [email protected] or 08095029999 We wish you all the best. Reply

Ben on June 7, 2017 at 6:36 pm Hello ediaro. I have a website i have aNGO site that was done with wordpress. I want a payment processor that can handle donations online either with local or foerign currency easly and relatively cheap or free integration. Among your list i dont know which to implement. Could you advice please Reply

ediaro.com on July 16, 2017 at 8:52 am Due to high inscidence of fraud most Banks and Payment processors have deactivated international card acceptance. You can contact them directly to try, they may want to make an exceptional case for you. Reply

Dansmith on June 20, 2017 at 7:38 am We have registered with some of the payment gateway such as SimplePay, CashEnvoy, NETELLER, Skrill. So how do we integrate it in our website? Reply

ediaro.com on June 22, 2017 at 4:16 pm Dear Sir, You can contact your developer to integrate the your website with the API from the respective payment processors. Alternatively, if you want our experienced webcentre developer team to handle it, Kindly contact us via [email protected], we will be happy to help you thru. Reply

Hero David on August 24, 2017 at 12:22 pm Well Documented list Good work But I noticed there is no Diamond Webpay, my client is requesting for this and I want to know if it still still good to use. Thanks Reply

ediaro.com on September 20, 2017 at 9:12 pm Unfortunately, Diamond Bank gateway didn’t make it to the list. Anyway, we don’t have any observation on it. But we advise you take your normal due diligence and ask them series of questions that needs clarification before starting with them. Reply

Dele on August 28, 2017 at 3:02 am Great article. Perhaps you can be of help to me. I want to open a shopify store that will Target mostly the US market. Therefore it will receive USD payments for onward transfer to either my US bank account preferably or my USD dorm account. I see from your article that 2checkout seems to fit that bill but it seems they don’t accept Nigerians. Do you know any Shopify accepted payment gateway that can do this? Paystacks would be perfect but they only support stores that have the Naira as their currency on their store which i can’t do given my target market. Any help, info or advice you render is appreciated as I’m stuck at the moment. Reply

ediaro.com on August 28, 2017 at 5:50 am Dear Dele, Thank you for your interest in ediaro website development and digital payment services. We advise you consider asking your USA bank if they have a payment gateway and activate the account; so that you’ll integrate and get your funds settled directly to the bank account in USA. Alternatively, add your paypal/stripe account connected to your USA Card and use it to receive payment and get settled there or meet your Nigerian Bank to request if they will be willing to activate international card processing for you. Alternatively, you can google and if you find any other payment gateway in Nigeria or abroad that can meet your need, contact us via [email protected] and our webcentre developers will be willing to handle the custom integration to your Shopify account. Lastly, since you’ve almost completed the site, we presume you are aware of the limitations and co shopify has. Generally, it’s advisable you develop the site using an independent solution and host; anyway, that’s just by the way though. Reply

Mahesh on August 30, 2017 at 1:03 am Hello admin, Thanks for detailed info about Nigerian payment gateway, it is really helpful. I need help and may be you can guide me. Is there any payment gateway that can be used to transfer AirTime balance to Bank account or what’s the way we can achieve it? Thanks. Reply

ediaro.com on September 6, 2017 at 8:59 pm Unfortunately, we don’t know how you can achieve such. We advise you contact your Telephone provider and bank to ascertain if possible. Reply

Baro Edafe on November 11, 2017 at 8:52 am Hello Please what the best payment gateway i can use for my store with easy html integration Reply

ediaro.com on February 8, 2018 at 2:24 pm Dear Baro, We have sent you an email, please respond – for us effectively guide or help you with the payment integration. Reply

ganiu Ogunniyi on December 18, 2017 at 10:20 am how can I start my business on payment Reply

ediaro.com on February 8, 2018 at 2:21 pm Dear Ganiyu, We need more information on your request above, we have sent you an email, please respond. Reply

Paul on January 12, 2018 at 5:53 pm This article is very important. Thank you for your effort ediaro. Reply

ediaro.com on February 8, 2018 at 2:20 pm You’re most welcome paul. Reply

kennedy on January 14, 2018 at 10:08 pm Pls i will also like to integrate uba ucollect on my wordpress site. How can i go about it. Reply

ediaro.com on February 8, 2018 at 2:19 pm ediaro.com Programmers will be happy to help with your UBA UCollect payment integration to your website. We have sent you an email, please respond to it. Reply

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