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Payment Gateway
Nigeria
Local, Online & Cross-Border Payments
Nigeria

Nigeria

Nigeria
Top e-commerce industries
23.0%
Electronics
24.1%
Hobby & Leisure
19.0%
Fashion
Furniture & Homeware
Care Products
DIY
Grocery

Welcome to 8B — a trusted cross-border payment provider combining global-grade technology with deep local market access.

If you’re expanding into the region — across e-commerce, travel, gaming, digital services, or platforms — 8B makes it easy to accept local payments, send payouts with confidence, and manage all financial flows through a single, unified solution.

Abuja
Capital
236.7M
Population
GMT +1
Time Zone (GMT)
NGN (₦)
Currency
Nigerian Naira
$154.5B
Transactions
value in 2030
22.7%
CAGR
of Digital Payments during 2025-2030

Built for Today’s Most Dynamic Sectors

Extend your reach with a comprehensive set of local wallets, bank rails and alternative payment methods preferred by consumers.

Payments & Payouts

Manage everything - customer payments, partner payouts, contractor disbursements  - through one unified platform.

Cross-Border Business Payments

Retail & E-commerce, Gaming & Travel Payments, PSPs

Deliver a fast, frictionless checkout experience optimized for high-volume online transactions.

Settle globally and pay out locally with full transparency, strong compliance and efficient routing across payment ecosystem.

Bank transfer (NG)
Bank Transfer
32%
Buy Now Pay Later
2%
Cash-in
15%
Credit Cards
15%
Debit Cards & Prepaid Cards
19%
E-wallet
11%
Mobile Money
11%
Others
1%
A Local Payment Gateway
Nigeria
Can Rely On

Entering a new market doesn’t need to be complicated. 8B gives you secure infrastructure, intuitive tools and the complete suite of Local Payment Methods your customers trust — no credit cards required.

Local Payment Methods, Fully Connected

Give shoppers the payment options they use every day:

Extend your reach

Bank transfers are a key payment method in Nigeria's e-commerce landscape, with widespread adoption facilitated by leading banks like Guaranty Trust Bank (GTBank), Zenith Bank, Access Bank, First Bank of Nigeria, and United Bank for Africa (UBA).

Method
Bank transfer (NG)
LPM Market Share
22%
Payments
Yes
Refunds
Yes - full refunds only
Type
Bank Transfer
Local Card Scheme
Users
48M
Disbursements
Yes
Yes
Chargebacks
No
Authorization currency
NGN
Authorization
speed
Instant
Recurring
No
No
Notify when available

Reasons for Popularity

A large portion of Nigerians have accounts with major banks, ensuring widespread usage. Banks like GTBank and Zenith Bank have streamlined their mobile and internet banking solutions, making bank transfers a reliable and efficient option for e-commerce payments in Nigeria

Why Companies Choose 8B in
Nigeria

Built for Developers

Modern APIs, clean documentation and rapid integration.

Built for Finance Teams

Automated reconciliation, transparent reporting and streamlined settlements.

Built for Customers

Trusted local payment methods, smooth checkout journeys and fewer abandoned carts.