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Nigeria · International

Receive international payments in Nigeria

Sell to customers in the US, UK, EU, and beyond. PayKato connects Nigerian merchants to licensed processors so you can accept international cards and have proceeds settle locally in NGN.

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Why receiving international payments is hard in Nigeria

Global processors often restrict onboarding for Nigerian businesses or require foreign entities. Receiving USD or GBP into a Nigerian account is usually slow, expensive, and paperwork-heavy.

PayKato bridges that gap with an African-friendly onboarding flow, partner-led international card acceptance, and local NGN settlement through licensed banking partners.

How an international payment reaches your Nigerian bank

Your customer pays on a partner-hosted secure checkout in their currency. The licensed processor captures the funds, FX is applied where needed by the partner, and the net amount — after PayKato platform fee, processor fee, and payout fee — is settled to your verified NGN bank account.

You see the gross amount, fees, FX details, and estimated settlement per transaction in your PayKato dashboard.

What you need to start

Nigerian onboarding follows standard merchant verification. See the onboarding checklist for the full list.

  • Government-issued ID for the signatory
  • Proof of address
  • CAC certificate or business registration
  • TIN where applicable
  • Verified Nigerian bank account in the registered business name

Frequently asked

Will customers be charged in their own currency?
Where the licensed processor supports it for your country and merchant category, yes. Available currencies are confirmed during onboarding.
Do I receive NGN or USD?
PayKato settles to a verified Nigerian Naira bank account. FX conversion is performed by the licensed partner handling the payment.
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

Start accepting international payments

Create your PayKato account, complete Nigerian merchant verification, and start collecting from international customers.

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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.