What you can do in Nigeria
One Monerails account, one integration: here are the services open in Nigeria.
Collections
Collections in NGN are opening. Today, Monerails offers payouts and virtual cards in Nigeria.
Payouts
Pay suppliers, staff and customers by bank transfer, MTN MoMo and Airtel, one by one or in bulk, with a status for every payout.
Bank transfers
Send naira to accounts at Nigerian banks, with the reference of your choice for reconciliation.
Payment links
Payment links will open with naira collections.
Virtual USD cards
Visa and Mastercard dollar cards for your team, your customers living in Nigeria and your AI agents, accepted online worldwide.
API and webhooks
A REST API, a free test mode, idempotent requests and signed webhooks. Country code: NG, currency: NGN.
Supported operators in Nigeria
Your customers pay from
You pay out to
Indicative list. The current list, with how each operator approves payments, is returned by the API:
GET /v1/operators?currency=NGNPayouts in Nigeria
In Nigeria, Monerails offers payouts today: transfers to local bank accounts and payouts to MTN MoMo and Airtel. Collections in naira are opening: until then, an NGN collection request returns currency_unsupported. Amounts are sent in whole naira (multiples of 100 kobo).
Use cases in Nigeria
Supplier payments
Pay your Lagos suppliers and merchants straight to their bank account, with one reference per invoice.
Staff and contractors
Send salaries, commissions and fees to your Nigerian team, in bulk, with a status for every transfer.
Multi-country groups
Run your Nigerian payouts and your collections in Ghana, Benin or Cameroon from a single account.
How it works
Open your account
Create your account in minutes and get your test keys: test mode is free, with test numbers for every country we cover.
Integrate, or go no-code
Call POST /v1/payouts with "currency": "NGN" from your server, or prepare your payouts from the dashboard, with no development.
Go live
Once your business is verified, your live keys pay out in Nigeria. Every operation is confirmed by a signed webhook.
Pricing in Nigeria
NGN payouts
Payout fees in Nigeria are published country by country on the price list, with no subscription or setup fee: see the price list. Every fee is shown before you confirm.
See the price listVirtual USD cards
Frequently asked questions
Where can I send payouts in Nigeria?
To Nigerian bank accounts, by local transfer, and to MTN MoMo and Airtel wallets. The current list of operators is returned by GET /v1/operators?currency=NGN, and the list of banks by GET /v1/banks?country=NG.
Which country code and amount format should I use?
The country code is NG, the default for NGN, so the country field is optional. NGN amounts are in minor units and must be multiples of 100 (whole units): "amount": 250000 means ₦2,500.
Can I collect in naira with Monerails?
Not yet. NGN collections are opening; today an NGN collection request returns 400 currency_unsupported. Payouts to banks and mobile money are available.
Can I issue virtual cards to people living in Nigeria?
Yes. Virtual Visa and Mastercard dollar cards are issued to cardholders living in the countries we cover, Nigeria included. A card costs $1, funding it is free, and it works online wherever Visa or Mastercard is accepted.
Neighbouring countries we cover
Documentation: docs.monerails.com/coverage · Payouts guide
Ready to get started in Nigeria?
Open an account in minutes. Test mode is free, with no subscription.