As a blogger who sells products online, you certainly need a good payment gateway to receive payments online and as well integrate them with your WordPress Blog. An Online Payment Gateway should be secure, fast and reliable for your eCommerce and dropshipping.
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All payment gateways charge per transaction. But while some Online Payment Gateways charge a huge setup fee, others allow free registration. Today, I will share the top 6 payment Gateways that allow free setup and recommended to use in Nigeria as a blogger.
PayStack Payment GateWay
Paystack helps businesses in Africa get paid by anyone, anywhere in the world. Over 60,000 businesses of all sizes use this payment gateway to accept payments online, including some of Africa’s biggest brands. Paystack doesn’t require a setup fee.
Paystack’s protects you from fraudulent transactions and associated chargeback claims using a combination of automated and manual fraud systems.
PayStack Charges for Local Transactions
- 1.5% of the money plus NGN 100
- ₦100 fee waived for transactions under ₦2500
- Local transactions fees are capped at ₦2000, meaning that’s the absolute maximum you’ll ever pay in fees per transaction
PayStack Charges For International Transactions
- 3.9% of the money plus NGN 100
- Get paid by your customers from all over the world
- International cards are charged and settled in Naira by default, but you can also choose to get settled in USD.
How to Calculate PayStack Charges
Local Transaction: If your customer pays N5000. Paystack will take 1.5% of the money (1.5/100 x 5000 = 75) and additional N1000 because the payment is above N2500. This will be N75 plus N100 equals N175. However, the charges cannot exceed N2000 no matter how much you are receiving.
International Transaction: If your international customer pays N5000 (or dollar equivalent). 3.9% of N5000 which is N195 plus additional N100 making the total charges to be N195 + N100.
How to Create PayStack Business Account
- Visit Paystack website at paystack.com
- Click on Create a Free Account
- Enter your business name and email
- Enter your personal details to complete setup
- Activate your Business
How to Generate Paystack Payment Link
- Login to your Paystack account.
- Locate the Menu link Payment Pages and click.
- Click New Page to create a payment link.
- One Time Payment ”“ For accepting payment once from your clients.
- Subscription Payment ”“ IF you want your client to setup a Direct Debit with you
- Product Payment ”“ Here you can use Paytack has your ecommerce shop allowing for easy payment of goods
- For this tutorial, we will choose the One-time Payment page.
- The next form request you to enter details of your new page. Name, Description and Image
- You can now copy the link and use on your blog.
- Done
VoguePay Payment GateWay
With VoguePay a website owner can receive payment for their goods and services on their website without any setup fee. VoguePay’s global coverage allows consumers and businesses to safely make and receive payments in all major currencies, regardless of location.
Scale your business to reach global audience. Sell where you have not sold before and reach new customers all over the world. With our simple payment API, you can start accepting payments from all card types for local and international transactions.
Stop losing sales. Give your customers more ways to pay online: Internet banking (direct pay), wallet transfers, mobile payment, subscription billing.
Features Of VoguePay
- Business Intelligence and analytics tools.
- Voguepay sends a weekly performance report to keep your updated.
- Accept payment any way you want. Give your customers options.
- Simple API documentation to make integration easy, even for non-developers.
- Opt for business or personal accounts based on your needs.
- Accept payment in multiple global currencies. Get paid in your default currency.
- Enjoy world-class support that is available 24/7
- Easily integrate payment to your website using our plugin libraries and extensions
NATIONAL
Naira cards Transactions above N 2,500 = 1.5 % + N30
Stop losing sales. Give your customers more ways to pay online: Internet banking (direct pay), wallet transfers, mobile payment, subscription billing.
INTERNATIONAL
International transactions (Non-Naira) = 3.8% + 0.50 of currency transaction.
VoguePay’s global coverage allows consumers and businesses to safely make and receive payments in all major currencies, regardless of location.
Website: www.voguepay.com
PayU Payment Gateway
PayU is a leading online payment service provider dedicated to creating a fast, simple and secure payment process for merchants and buyers. PayU is present in 16 high growth markets in Asia, Central and Eastern Europe, Latin America, the Middle East and Africa.
PayU Easy Plans
PayU easy plan is recommended for small businesses. The features are:
- Less than 500 transactions weekly
- No setup fee
- Minimum documentation
- Weekly settlement
- Added security (PCI DSS SSL and 3D secure)
- Your customer is on your website and selects to pay. They are immediately directed to PayU’s secure payment page.
- Your customer selects to pay by credit card, enters their details and clicks pay.
Website: www.payu.com.ng
Payment methods: Local and International MasterCard, Visa, Verve acceptance, as well as other alternative payment methods – Online electronic bank transfer (EFT) and offline.
Integration options: Responsive Redirect Payment Page(RPP), Mobile integration for mobile apps, and Enterprise API(fully customizable) to suit your needs.
Website: www.payu.com.ng
eTranzact Payment Gateway
eTranzact is Nigeria’s first award winning multi-application, multi-channel electronic transaction switching and payment processing platform. eTranzact handles billions of dollars yearly, supporting millions of forward thinking businesses and individuals who trust that their financial transactions would be taken care of by eTranzact daily.
eTranzact is one of Nigeria’s 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 to many other countries.
Its services includes all types of e-payment from ATM, Internet, POS, and Mobile. eTranzact also accepts all cards issued locally from Nigerian banks eg cards like Visa and Master Cards.
Website: www.etranzact.com
Accounteer Payment Gateway
At Accounteer encourage customers to have at least one payment gateway in use, which can be integrated to their platform to enable them get paid 3X faster. Accounteer if free for small businesses. However, you are limited to 5 invoices/month. With N3,300, you can generate unlimited invoice.
Features of Accounteer
- Create professional invoices in a few clicks.
- Send customised offers to your clients in no time.
- See the complete history of all your relations
- Keep track of all your expenses with ease.
- Create a complete digital archive. Add unlimited attachments and files to your transactions.
- Let Accounteer take care of the reconcilation process for you.
- Accept online payments from your clients from a wide variety payment methods, including mobile money.
- Create beautiful reports and gain new insights.
- Manage your finances wherever you are.
- Track your inventory and sales margins.
- Register any transaction in multiple currencies.
- Connect your accounting to your favorite apps and automate your workflow.
Website: www.accounteer.com
Remita Payment GateWay
Remita is one of the top payment gateways in Nigeria. It’s the number one choice from the government to collect digital payments meaning its a reliable party to work with.
Whether you intend to use Remita for personal or business purposes, this multi-device platform lets you view all your bank balances – from different banks – on a single screen, easily transfer money to one or more beneficiaries, pay bills, view detailed transaction reports on-the-go, and much more.
Remita also allows businesses to conveniently receive payments from customers in a faster manner, through nine different channels, including the Remita Mobile App and Website, Internet Banking, Point of Sales (PoS) Terminals, Debit/Credit Cards, Merchant’s Website, Bank Branches, Mobile Wallets and Standing Order/Direct Debit.
Recommended: www.remita.net
DusuPay Online Payment GateWay
DusuPay provides a secure, efficient, simple and fast infrastructure to process payments globally with Africa. You can get started with Dusupay for free. It accepts payments from Visa, MasterCard and Verve.
Dusu is free for small businesses with a lot of features like Online BankingVerve, MasterCard, Visa NigeriaMPESA (Kenya)MTN Mobile Money (Uganda, Cameroon)Airtel Money (Uganda) TigoPESA (Tanzania)Vodafone MPESA (Tanzania).
Payouts to To One Sub-Account/Currency and ideal for startups less than 1 year. DusuPay charges up to 3.99% plus 50 XAF.
Website: www.dusupay.com
