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Nigeria · USD payments

Accept USD payments in Nigeria

Bill your international customers in USD. Get paid through licensed processors. Receive NGN settlement to your Nigerian bank account.

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Why USD invoicing matters in Nigeria

If your customers are international agencies, SaaS companies, marketplaces, or buyers abroad, billing in USD is the cleanest option. PayKato lets you invoice in USD and still receive predictable NGN settlement locally — without operating a USD domiciliary account yourself for every payment.

How settlement works

When a customer pays your USD invoice, the licensed processor charges their card or method in USD. PayKato shows you the gross USD amount, the processor fee, the PayKato fee, the FX rate applied by the partner, and the net NGN amount that lands in your bank.

  • Transparent FX rate per settlement
  • Net NGN amount shown before payout
  • USD domiciliary settlement available for some categories — confirm during onboarding

Frequently asked

Can I receive USD into a domiciliary account?
USD domiciliary settlement may be available for some merchant categories during the Nigeria pilot. Default settlement is NGN to your Nigerian bank account. Contact support to confirm.
Who sets the FX rate?
The licensed payout partner sets the FX rate at settlement time. PayKato shows the rate and net amount on every settlement record.
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 USD

Create a PayKato account, complete KYB, and send your first USD invoice.

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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.