What can I use instead of Stripe in Nigeria?

To sell software or digital products worldwide, a merchant of record that pays out to Nigeria: Paddle, Lemon Squeezy and Polar. To take payments from local customers, local gateways such as Paystack and Flutterwave.

Which merchants of record pay out to Nigeria?

Paddle, Lemon Squeezy and Polar. Dodo Payments doesn't, according to its own country list.

How much does Paystack charge?

Local: 1.5% + NGN 100, capped at NGN 2,000, and the NGN 100 is waived under NGN 2,500. International cards: 3.9% + NGN 100 (Mastercard, Visa, Verve) or 4.5% (American Express); USD transactions 3.9%. That's as published on support.paystack.com. Who can sign up: Unregistered founders can open a Starter Business (collection limit NGN 8,000,000, no transfers); a Registered Business has no collection limit.

Can I receive PayPal payments in Nigeria?

No. On PayPal's country list, but the country site offers Send payments only: no Request option and no Business or Accept Payments menu (send-only, inferred from the site).

Can I use Stripe Atlas from Nigeria?

Yes. No founder-country exclusion found; Atlas terms only name Prohibited Jurisdictions (Cuba, Iran, North Korea, Syria, Crimea), none of which is Nigeria.

Stripe in Nigeria: is it available, and how to get paid

Not directly. Stripe lists Nigeria in its Extended network, which sends businesses there to Paystack instead of a Stripe sign-up. Of the merchants of record we checked, Paddle, Lemon Squeezy and Polar pay out to founders in Nigeria. For local customers, Paystack and Flutterwave take payments in NGN.

Checked on 27 October 2026 against each provider's own pages. Remote Builders isn't paid by any provider listed here.

Global options for founders in Nigeria

Provider	What it is	For Nigeria	Detail	Source
Stripe	payment processor	Via partner	Marked Extended network; the country links to paystack.com/stripe/nigeria instead of Stripe sign-up	stripe.com
Stripe Atlas	US company formation	Yes	No founder-country exclusion found; Atlas terms only name Prohibited Jurisdictions (Cuba, Iran, North Korea, Syria, Crimea), none of which is this country	stripe.com
Paddle	merchant of record	Yes	Not on Paddle's unsupported seller countries list	paddle.com
Lemon Squeezy	merchant of record	Yes	On the bank payout list (PayPal payouts also offered)	docs.lemonsqueezy.com
Polar	merchant of record	Yes	On Polar's payout countries list	polar.sh
Dodo Payments	merchant of record	No	Not on the accepted list. Grandfathered only: merchants already transacting before the 23 March 2026 change can continue under enhanced monitoring; new merchants cannot onboard	docs.dodopayments.com
Wise Business	business account	No	Not on the list. You may be able to register and send money, but not hold money or get account details to receive	wise.com
PayPal	wallet	No	On PayPal's country list, but the country site offers Send payments only: no Request option and no Business or Accept Payments menu (send-only, inferred from the site)	paypal.com

Local gateways in Nigeria

Gateway	Takes	Fee	Who can sign up	Source
Paystack	Local cards and all local channels including direct debit; international Mastercard, Visa, Verve and American Express cards; NGN or USD pricing	Local: 1.5% + NGN 100, capped at NGN 2,000, and the NGN 100 is waived under NGN 2,500. International cards: 3.9% + NGN 100 (Mastercard, Visa, Verve) or 4.5% (American Express); USD transactions 3.9%.	Unregistered founders can open a Starter Business (collection limit NGN 8,000,000, no transfers); a Registered Business has no collection limit.	support.paystack.com
Flutterwave	Debit and credit cards, bank transfer, bank account, USSD, mobile money and Visa QR (options listed on its pricing page)	Local: 2% per transaction on all payment methods (1.4% transaction fee + 0.6% platform fee). International: 4.8% per transaction. Fees are subject to 7.5% VAT.	Not stated	flutterwave.com

Worth knowing in Nigeria

What	Detail	Source
Local rail	NIBSS Instant Payment (NIP) is Nigeria's real-time bank transfer system, used for account-to-account payments.	nibss-plc.com.ng
Getting paid in USD	Paystack lets Nigeria-based businesses price in USD and be paid out in USD, which needs a Zenith Bank USD domiciliary account.	support.paystack.com

Fees on the global options

Provider	Headline fee	Source
Stripe	2.9% + 30¢ per successful domestic card transaction (US pricing page; currency not named)	stripe.com
Stripe Atlas	$500 one-time setup fee including government fees and the first year of registered agent, then $100 a year (currency not named)	stripe.com
Paddle	5% + 50¢ per checkout transaction (currency not named)	paddle.com
Lemon Squeezy	5% + 50¢ per transaction (currency not named); small extra fees can apply in edge cases	lemonsqueezy.com
Polar	5% + 50¢ per transaction on the free Starter plan for organisations created on or after 27 May 2026, plus 1.5% for non-US cards (currency not named)	polar.sh
Dodo Payments	4% + 40¢ per transaction, plus 1.5% for cards and payment methods outside the US (currency not named)	dodopayments.com
PayPal	US rates: 2.99% + fixed fee for card payments, 3.49% + fixed fee for PayPal Checkout; sellers in other countries pay their country's rates	paypal.com

Questions about getting paid in Nigeria

Is Stripe available in Nigeria?: Not directly. Stripe lists Nigeria in its Extended network, which sends businesses there to Paystack instead of a Stripe sign-up. Checked on Stripe's global availability page on 27 October 2026.
What can I use instead of Stripe in Nigeria?: To sell software or digital products worldwide, a merchant of record that pays out to Nigeria: Paddle, Lemon Squeezy and Polar. To take payments from local customers, local gateways such as Paystack and Flutterwave.
Which merchants of record pay out to Nigeria?: Paddle, Lemon Squeezy and Polar. Dodo Payments doesn't, according to its own country list.
How much does Paystack charge?: Local: 1.5% + NGN 100, capped at NGN 2,000, and the NGN 100 is waived under NGN 2,500. International cards: 3.9% + NGN 100 (Mastercard, Visa, Verve) or 4.5% (American Express); USD transactions 3.9%. That's as published on support.paystack.com. Who can sign up: Unregistered founders can open a Starter Business (collection limit NGN 8,000,000, no transfers); a Registered Business has no collection limit.
Can I receive PayPal payments in Nigeria?: No. On PayPal's country list, but the country site offers Send payments only: no Request option and no Business or Accept Payments menu (send-only, inferred from the site).
Can I use Stripe Atlas from Nigeria?: Yes. No founder-country exclusion found; Atlas terms only name Prohibited Jurisdictions (Cuba, Iran, North Korea, Syria, Crimea), none of which is Nigeria.

Other countries

Argentina · Bangladesh · Colombia · Egypt · Georgia · Ghana · India · Indonesia · Kenya · Morocco · Nepal · Pakistan · Peru · Philippines · South Africa · Sri Lanka · Turkey · Ukraine · Vietnam

To choose between a merchant of record, a US company and a local gateway, read Stripe not available in my country.

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Stripe: Via partner
Currency: NGN (Nigerian naira)
Merchants of record paying out: 3 of 4
Checked: 27 October 2026

Providers change their country lists and fees. Check each provider's own page before you sign up. Spotted something out of date? Tell us in the members' chat.