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Nigeria · Payment links

Payment links for Nigerian businesses

Generate a shareable PayKato link in minutes, send it by WhatsApp or email, and have the proceeds settled into your Nigerian bank account through licensed partners.

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Why Nigerian merchants use payment links

Many Nigerian merchants sell over Instagram, WhatsApp, and direct relationships — not a full e-commerce site. Payment links solve this: one URL per request, sent directly to the customer, who pays securely without you building a checkout page.

Local + international in one place

Take naira from customers in Lagos and USD from buyers in London on the same dashboard. PayKato routes each payment through the right licensed partner and settles you locally in NGN.

  • Local card and bank transfer rails
  • International card and alternative methods through partners
  • Itemised fees: processor, PayKato, FX, net to bank

Frequently asked

Do my customers need a PayKato account?
No. Customers open the link and pay on a partner-hosted checkout. They never need to sign up for PayKato.
Which Nigerian banks can I settle into?
All major Nigerian commercial banks are supported through our licensed payout partners. You add your account during onboarding.
How much does PayKato cost?
PayKato's platform fee starts from 1.5% per successful transaction, with no monthly or setup fees. Processor, FX, payout, bank, and country-specific fees may apply on top, charged by the relevant partner. See the Pricing page for a sample breakdown.
Which processors and banks does PayKato use?
PayKato is built to integrate with licensed payment processors and banking partners. Specific processors and availability are confirmed during merchant onboarding based on country, merchant category, and partner approval.

Related

Create your first payment link

Sign up, verify your Nigerian business, and share a payment link with your next customer.

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PayKato is built to integrate with licensed payment processors and banking partners. Specific processors and availability are confirmed during onboarding based on country, merchant category, and partner approval. PayKato is not a bank and does not hold customer funds.