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Top FinTech Companies In Nigeria

Nigeria is a safe and assured space for finance and technology! Why? You have the best performing Fintechs available at your disposal.

Today, MonkeyPesa avails you a list of the best top-performing Fintechs in Nigeria.

What is Fintech?

Fintech is short for financial technology. This is the technology used in delivering financial services without using the traditional banking methods. Fintech involves the use of electronic money, for example, Mobile money. It so happens that in Nigeria, there are so many competing fintech companies: those which have existed for quite a long time and those that are startups. This arising competition has put the existing banks under pressure to innovate and go digital because it seems clients are running away going for cheaper, faster, and easier means.

Day by day, the world is going digital, and so is fintech. People are coming to realize this and are investing in Fintech heavily. This happens to be the reason why they are currently flooding the African market. Most people are in the informal sector, and most require that financing capital for their ventures. Fintechs exists to support micro, small scale, and medium enterprises.



If you want to send and receive money, then do Paga. Paga is a mobile payment company that is crafting an ecosystem to enable people to digitally send and receive money, thus creating simple financial access to everyone. Currently, Paga has over 17,022,604 customers and 27121 agents across Nigeria. For this reason, it is said to be among the best and leading Fintech in Nigeria. Paga majorly deals with customers who are unbanked and those in need of quick money.

Paga was started in 2009; the idea was ushered in by Tayo Oviosu to have it possible for one billion people to access money. This has helped to minimize the effect of transacting using cash and access to financial services. Paga was launched in 2012 under the central bank of Nigeria; Paga's services are; free money transfers, deposits to bank accounts, buying and selling of airtime, bill payments, remittances, bulk disbursements, and collections accessible through online channels and mobile phone. Paga service providers are usually found in –mom and pop stores, pharmacies, grocery stores, and many other places where money can be accessed.


Paystack supports businesses in Africa to access modern online and offline payments anywhere, anytime by anyone. Currently, Paystack handles over 60,000 businesses. You can make payments with paystack anytime you are using a visa card, bank account, bank transfer, USSD, visa QR, Mobile money, and POS. Paystack makes financial transactions for global brands, entrepreneurs, large organizations and empowers growth for very many businesses.

The mission of Paystack is “to help businesses in Africa become profitable, envied and loved.” Paystack currently serves over 25,000 merchants; in October 2018, they processed payments over 2,900,000 and paid out over $27,500,000. Paystack stands on the values that it is a deeply mission-driven company, and these are the core ideas we return to when we make decisions.


One of Nigeria’s leading technology-driven digital payments company helped shape the payments ecosystem across the growing e-commerce sector in Africa. Interswitch is an African oriented company focused on payments. It is a gateway to Africa’s payment ecosystem. It creates and sustains a payment ecosystem that helps commerce evolve, businesses grow, and individuals thrive.

Interswitch envisions making payments a seamless part of everyday life in Africa while creating transaction solutions that enable individuals and communities to prosper across Africa. Their purpose is to inspire Africa to greatness through innovation, value creation, and excellence.


It was created in 2016 by a team of former bankers, entrepreneurs, and engineers. They envision making it easier for Africans to build global businesses that can make and accept any payment, anywhere from across Africa and worldwide. Their core values are; customer-focused, building trust capital, loyalty, communicating respectfully, and being innovative and creative.

Flutterwave gives a disbursement service for universal merchants and some service providers. It avails technology, infrastructure, and services to enable global merchants, payment service providers. It helps banks and businesses build secure and seamless payment solutions for their customers by easing the switch over funds.


This is a Nigerian payment processing platform that is trusted by over 7,000 businesses. E-tranzact processes billions of dollars annually in terms of transactions from the sending and the receiving ends. E-Tranzact has been Nigeria’s first award-winning, multi-application, multi-channel, electronic transaction switching, and payment processing platform.

e-Tranzact was launched and rolled out its operations in 2003. Their products involved in transaction include; pocketmoni, BankIT, corporate pay, web connect, switchIT, payOutlet, and pay outlet. In 2009 e-transact got listed on Nigeria’s stock exchange and expanded its product portfolio with web connect, card processing gateway, justTopup, and other airtime solutions.


One of the payment platforms that make it easy to have your payments processed fully across the world. Voguepay does collections, bill payments, commerce, lending, disbursement, deliveries, betting. Vogue has built a perfect platform to help your businesses grow and achieve greater heights. Voguepay provides and processes payment for all businesses, both e-commerce and subscription stores, to help their clients get started so fast, track your earnings and protect your business from fraud. They make it friendly to scale globally.

Ever since it was launched in 2012, the company had made tremendous achievements, including having over 100,000 global merchants in 2019, and in 2018, they made transactions that are equal to $100M. One of its greatest selling points was free integration for the merchants.


One of the easiest and safest ways to send and receive money is through the use of Remita. With Remita, customers can pay from anywhere in the world, thus enabling you to reach a wider market and achieve more good things.

Additionally, with Remita, you can buy data, buy airtime, pay electricity bills, water, TV subscription, transfer money, and make withdraws, track expenses, and manage your finances and all other government taxes. You don’t need to move away from home to make payments anywhere else, yet Remita is at your door; download the App and get started today. Remita supports Small and Medium Enterprises, Multinationals, State Governments, Government Agencies, NGOs, Schools, Educational Institutions, and Individuals to receive and make payments electronically.


Are you ready to have free digital baking? PayLater is the answer. You need to have a free carbon bank account to pay bills, transfer money, request loans and get high-interest rates on your savings. There are no charges regarding your transactions, and there are no charges imposed against you on top of offering a 2% interest rate per year.

PayLater’s mission is “we believe access to credit and quality financial services is a human right; our mission is to empower all people with the financial access they need to pursue a life of dignity and prosperity.” With its headquarters in Nigeria, they have offices in other countries like Ghana and Kenya. Paylater empowers individuals with access to credit, simple payment solutions, high investment yield opportunities, and easy tools to use for financial management.


The most convenient and efficient funding company for small and medium enterprises. Their loans are the easiest to access; you need to have an account with Lidya, select a loan type and then have your loan ready; it’s that simple. Lidya can help your business grow by providing with you a loan to help you expand and generate more income; with its loans, you don’t need to have collateral security. With Lidya, you can handle your money virtually, increase your cash flow, and add more to your working capital; it's quick, friendly, and trusted.

You need to have your business off the ground, trust Lidya to give you an expansion opportunity, handle your cash flow, operational expenses, upgrade equipment, improve your working space, grow your social media with investments, hire great talent, and purchase inventory.

10. OPay

This makes your payments. You can pay on the go. OPay offers the best payment solutions to make your life easy, and that is their aim. You can trust the company with your educational, dining, rental, logistics, travel, and hotel solutions.

In 2020 OPay was announced as the leading payments solution provider in Nigeria. Here is a company to trust to have your comfort. Their mission is to “create a convenient financial platform to make life easier.”

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