Market specifications

Take a look of all the payment methods available.

Country reference Cards supported APM supported

Cards

Find all the information about the card supported capabilities.

Brands Capabilities Process Card Payments

Alternative Payments

Learn how to integrate cash, bank transfer or wallet payment.

OPay Wallet Paga Wallet Bank Transfer Bank Transfer (Direct Debit)

Market specifications

Do you want to know more information about Nigeria's market? Go to the Nigeria’s economy and eCommerce market article.

Demerge Nigeria Limited is a limited company incorporated in Nigeria and licensed by the Central Bank of Nigeria as a Payment Solution Service Provider.

Country reference

`country` code	`currency` code	`amount` decimals	`document` name	`document` format	`document` required?
`NG`	`NGN`	2	NIN	11 digits	Yes

Cards supported

`payment_method_id`	Brand ID	Name	`payment_method_type`	Details	Allowed Flows
`CARD`	`VI`	Visa	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`VD`	Visa Debit	`CARD`	Debit Card	`DIRECT` `REDIRECT`
`CARD`	`MC`	Mastercard	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`MD`	Mastercard Debit	`CARD`	Debit Card	`DIRECT` `REDIRECT`
`CARD`	`VE`	Verve*	`CARD`	Debit Card	`DIRECT` `REDIRECT`

* The card length of Verve can be 16, 18, or 19 digits.

ℹ️
To offer all the card options that may be available in your integration, send the payment_method_id as CARD.

Alternative Payment Method supported

`payment_method_id`	Name	`payment_method_type`	Details	Allowed Flows
`OW`	Opay Wallet	`WALLET`	Wallet	`REDIRECT`
`GW`	Paga Wallet	`WALLET`	Wallet	`REDIRECT`
`IO`	Bank Transfer	`BANK_TRANSFER`	Bank Transfer	`DIRECT` `REDIRECT`
`NG`	Bank Transfer (Direct Debit)	`BANK_TRANSFER`	Bank Transfer	`REDIRECT`

Cards

Brands

Visa and Mastercard

Credit cards are used among affluent Nigerians to make cross- border purchases for products they cannot get locally, but their use is negligible in the local market. Debit cards are massively more available than credit cards to the population overall.

Verve

It is mainly a local card, but also centralizes a set of payment channels under the same brand. Users can pay bills and subscriptions at ATMs, instore, via mobile phone, online, or at a kiosk, make money transfers to and from friends and family, use the mobile-based e-wallet and make cardless ATM withdrawals or payments at physical locations.

Capabilities

	Visa Credit	Master Credit	Visa Debit	Master Debit	Verve
Minimum amount	51 NGN	51 NGN	51 NGN	51 NGN	51 NGN
Refunds	Yes	Yes	Yes	Yes	Yes
Recurring	Yes	Yes	Yes	Yes	Yes
Chargeback option	Yes	Yes	Yes	Yes	Yes
Chargeback Dispute option	Yes	Yes	Yes	Yes	Yes
Descriptor	Can be personalized, depending on provider.	Can be personalized, depending on provider.	Can be personalized, depending on provider.	Can be personalized, depending on provider.	Can be personalized, depending on provider.

How to process Card Payments?

Learn how to process payments with credit and debit cards with dLocal on our Card Payments section.

Alternative Payment Method

OPay Wallet

OPay Wallet is a one-stop mobile-based platform for bill payments, loans, savings, and other essential financial services.

Licensed by the CBN and insured by NDIC, Opay has established a mechanism in place to ensure customers' funds are secure.

Capabilities

	OPay Wallet
Min. amount	51 NGN
Max. expiration time supported	24 hours
Notification delay	Immediate
Refunds	Yes
Flow	REDIRECT

UX Flow

Request Parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	Transaction currency in ISO 4217.	Yes
`country`	String	`NG` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`OW` ID of the selected payment method.	For OPay Wallet, yes.
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	String	Document of the payer.	Yes
`order_id`	String	ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 100,
    "currency": "NGN",
    "country": "NG",
    "payment_method_id": "OW",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "12345678901",
        "document_type": "CI",
        "address": {
            "country": "NG",
            "state": "Imo",
            "city": "Owerri",
            "zip_code": "88058",
            "street": "A street",
            "number": "5940"
        }
    },
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/rest/generic/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "R-4-cf566191-19fe-4db8-a5bb-7330061ab4db",
    "amount": 100,
    "currency": "NGN",
    "payment_method_id": "OW",
    "payment_method_type": "BANK_TRANSFER",
    "payment_method_flow": "REDIRECT",
    "country": "NG",
    "created_date": "2022-12-07T17:13:57.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "98eadd84-f196-47d8-9144-452d735a2e7b",
    "description": "Tshirt",
    "notification_url": "http://merchant.com/rest/generic/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments/M-97976112-f166-430f-97fd-146fb073ac45"
}

Paga Wallet

Paga Wallet is a leading Nigerian digital Transformation & E-Payments Platform. Its wallet has a feature that supports seamless recurring payments.

Paga offers a convenient and reliable way to pay bills and other services in multiple channels (online, mobile wallets, and cash).

Capabilities

	Paga Wallet
Min. amount	15000 NGN
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

Request Parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	Transaction currency in ISO 4217.	Yes
`country`	String	`NG` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`GW` ID of the selected payment method	For Paga Wallet, yes.
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	String	Document of the payer.	Yes
`wallet.name`	String	Name of the payer's wallet.	No
`wallet.save`	Boolean	Determines if you want to receive a wallet token for future payments or not.	No
`wallet.capture`	Boolean	Determines if you want to capture the payment funds or not.	No
`wallet.username`	String	Username of the payer's wallet account.	No
`wallet.email`	String	Email of the payer's wallet account.	No
`order_id`	String	ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 100,
    "currency": "NGN",
    "country": "NG",
    "payment_method_id": "GW",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": 12345678901,
        "address": {
            "country": "NG",
            "state": "Imo",
            "city": "Owerri",
            "zip_code": "88058",
            "street": "A street",
            "number": "5940"
        }
    },
    "wallet": {
        "name": "Jane Doe",
        "save": true,
        "capture": true,
        "verify": false,
        "username": "Jane Doe",
        "email": "[email protected]",
        "expiration": 60,
        "label": "label",
        "state": "state"
    },
    "order_id": "345453483kqws0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "F-4-71569e6f-uj65-4ecd-b14e-983672935ba0",
    "amount": 100,
    "currency": "NGN",
    "payment_method_id": "GW",
    "payment_method_type": "WALLET",
    "payment_method_flow": "REDIRECT",
    "country": "NG",
    "created_date": "2023-04-20T16:22:41.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "345453483kqws0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-redirect/M-86893c39-990s-444c-ae50-a1ba3132d8e1"
}

Bank Transfer

Bank transfers in Nigeria allow a variety of solutions, such as Static Virtual Accounts (one account per merchant) and Dynamic Virtual Accounts (one account per transaction).

Capabilities

	Bank Transfer
Min. Amount.	51 NGN
Expiration	1 or 7 days, depending on the provider.
Notification delay	Immediate
Refunds	Yes
Flow	`DIRECT` `REDIRECT`

UX Flow

Request Parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	Transaction currency in ISO 4217.	Yes
`country`	String	`NG` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`IO` ID of the selected payment method	For Bank Transfer, yes.
`payment_method_flow`	String	`DIRECT` or `REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	String	Document of the payer.	Yes
`order_id`	String	ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 15000,
    "currency": "NGN",
    "country": "NG",
    "payment_method_id": "IO",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "12345678901",
        "document_type": "CI",
        "address": {
            "country": "NG",
            "state": "Imo",
            "city": "Owerri",
            "zip_code": "88058",
            "street": "A street",
            "number": "5940"
        }
    },
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/rest/generic/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "R-4-cf566191-19fe-4db8-a5bb-7330061ab4db",
    "amount": 100,
    "currency": "NGN",
    "payment_method_id": "IO",
    "payment_method_type": "BANK_TRANSFER",
    "payment_method_flow": "REDIRECT",
    "country": "NG",
    "created_date": "2022-12-07T17:13:57.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "98eadd84-f196-47d8-9144-452d735a2e7b",
    "description": "Tshirt",
    "notification_url": "http://merchant.com/rest/generic/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments/M-97976045-f166-430f-97cc-146fb073ac85"
}

Bank Transfer (Direct Debit)

Bank Transfer (Direct Debit) is designed to support scheduled payments with weekly, monthly, semi-annual (six-month) or annual frequency. It also allows setting a fixed amount to be charged for each payment, based on the merchant’s specific use case.

Capabilities

	Bank Transfer (Direct Debit)
Min. Amount.	200 NGN
Maximum enrollment expiration time supported	15 Minutes
Notification delay	Enrollment - 24 Hours Recurring Payment - Immediate
Enrollment Cancellation	Yes
Flow	Enrollment: `REDIRECT` Recurring Payment: `DIRECT`

One-Time User Enrollment

This is the API request that is used to create the recurring payment mandate for Bank Transfer (Direct Debit). It takes 24 hours for the recurring payment made setup to be completed so the asynchronous response (webhook) will be sent after 24 hours notifying that the recurring payment mandate has been setup successfully.

Request Parameters

Property	Type	Description	Mandatory?
`external_id`	String	An identifier used by the merchant to identify the enrollment in their system.	Yes
`currency`	String	NGN Transaction currency in ISO 4217	Yes
`country`	String	NG Transaction country in ISO 3166	Yes
`type`	String	`MERCHANT_SUBSCRIPTION`: For subscriptions with future recurring payments initiated by the merchant.	Yes
`description`	String	Enrollment description.	No
`payment_method_id`	String	NG	Yes
`payment_method_flow`	String	REDIRECT	Yes
`payer.name`	String	Name of the payer	Yes
`payer.email`	String	Email of the payer	Yes
`payer.document`	Number	BVN (Bank Verification Number) of the payer	Yes
`subscription.start_date`	String (YYYY-MM-DD)	Subscription start date. The default is the current date. To be used only for subscriptions.	No
`subscription.end_date`	String (YYYY-MM-DD)	Subscription expiration date. If not provided, the subscription will not expire. To be used only for subscriptions.	No
`subscription.frequency`	String	Possible values supported: , `MONTHLY`, `SEMI_ANNUAL` or `ANNUAL`.	No
`subscription.amount.type`	String	Possible values depending on the subscription: `FIXED`: For fixed amount subscription	Yes
`subscription.amount.value`	Number (10,2)	Fixed subscription amount in local currency. Required only for fixed amount subscriptions depending on the payment method.	Conditional
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	Yes
`callback_url`	String	The payer will be redirected to the merchant’s website after completing the payment via the `callback_url` specified by the merchant	Yes

Examples


Sandbox URL: https://sandbox.dlocal.com//enrollments
Production URL: https://api.dlocal.com/enrollments

{
  "external_id": "3a39633d-e6fc-4bc2-96d1-51613b13858a",
  "currency": "NGN",
  "country": "NG",
  "type": "MERCHANT_SUBSCRIPTION",
  "description": "Mono - Annual",
  "payment_method_id": "NG",
  "payment_method_flow": "REDIRECT",
  "payer": {
    "name": "Juan Alberto",
    "document": "79531117993",
    "documentType": "bvn",
    "email": "[email protected]"
  },
  "subscription": {
    "start_date": "2025-12-01",
    "end_date": "2026-08-12",
    "frequency": "MONTHLY",
    "amount": {
      "type": "FIXED",
      "value": 250
    }
  },
  "notification_url": "http://merchantsite.com/notifications",
  "callback_url": "http://merchantsite.com/callback"
}

{
  "id": "E-4-a6418560-42c0-44bb-9a6f-da77730bcb6b",
  "external_id": "3a39633d-e6fc-4bc2-96d1-51613b13858a",
  "description": "Mono - Annual",
  "status": "PENDING",
  "status_code": "100",
  "status_details": "The enrollment is pending.",
  "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-redirect/N-ec90b256-c2b7-4cd4-af36-265499ae3ca9",
  "payment_method_id": "NG",
  "payment_method_flow": "REDIRECT",
  "payment_method_type": "BANK_TRANSFER"
}

{
  "id": "E-4-a6418560-42c0-44bb-9a6f-da77730bcb6b",
  "external_id": "fwbExmQQ7",
  "currency": "NGN",
  "country": "NG",
  "type": "Mono - Annual",
  "payment_method_id": "NG",
  "payment_method_flow": "REDIRECT",
  "created_date": "2025-09-10 T20:37:20.000+0000",
  "status": "ACTIVE",
  "status_detail": "The enrollment is active.",
  "status_code": "200",
  "notification_url": "https://merchant.com/enrollment_notifications"
}

Recurring Payment

After the subscription is set up, a payment request must be sent within the enrollment period. Payments cannot be scheduled in advance; the merchant must send the request on the actual due date.

Request Parameters

Property	Type	Description	Mandatory?
`external_id`	String	An identifier used by the merchant to identify the enrollment in their system.	Yes
`currency`	String	NGN Transaction currency in ISO 4217	Yes
`country`	String	NG Transaction country in ISO 3166	Yes
`amount`	String	Amount to be charged	Yes
`description`	String	Enrollment description.	No
`payment_method_id`	String	NG	Yes
`payment_method_flow`	String	DIRECT	Yes
`payer.name`	String	Name of the payer	Yes
`payer.email`	String	Email of the payer	Yes
`enrollment.id`	String	Enrollment id of the initial customer authorization	Yes
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	Yes

Examples


Sandbox URL: https://sandbox.dlocal.com/payments
Production URL: https://api.dlocal.com/payments

{
  "external_id": "1089e9de-0959-4ca7-bf0a-14da32d18451",
  "amount": 250,
  "currency": "NGN",
  "country": "NG",
  "payment_method_id": "NG",
  "payment_method_flow": "DIRECT",
  "payer": {
    "name": "Juan Alberto",
    "email": "[email protected]"
  },
  "enrollment": {
    "id": "E-4-a6418560-42c0-44bb-9a6f-da77730bcb6b"
  },
  "order_id": "1089e9de-0959-4ca7-bf0a-14da32d18451",
  "notification_url": "http://www.merchantsite.com/notifications"
}


{
  "id": "D-4-x1kj5e7i-hh7ver365l35h6-bg7h5snqee44",
  "amount": 250,
  "currency": "NGN",
  "payment_method_id": "NG",
  "payment_method_type": "BANK_TRANSFER",
  "payment_method_flow": "DIRECT",
  "country": "NG",
  "bank_transfer": {},
  "ticket": {},
  "created_date": "2025-12-05T10:50:26.000+0000",
  "status": "PENDING",
  "status_detail": "The payment is pending.",
  "status_code": "100",
  "order_id": "1089e9de-0959-4ca7-bf0a-14da32d18451",
  "notification_url": "http://www.merchantsite.com/notifications"
}


{
  "id": "E-4-a6418560-42c0-44bb-9a6f-da77730bcb6b",
  "amount": 250,
  "status": "PAID",
  "status_detail": "The payment is paid",
  "status_code": "200",
  "currency": "NGN",
  "country": "NG",
  "payment_method_id": "NG",
  "payment_method_flow": "REDIRECT",
  "payer": {
    "name": "Juan Alberto",
    "email": "[email protected]"
  },
  "notification_url": "http://merchantsite.com/notifications",
  "callback_url": "http://merchantsite.com/callback",
  "created_date": "2024-09-10 T20:37:20.000+0000"
}

Enrollment Cancellation

This is the API that is used to cancel an active enrollment.

Request Parameters

Property	Type	Description	Mandatory?
`id`	String	Enrollment id of the initial customer authorization	Yes

Examples

https://api.dlocal.com/enrollments/E-4-a6418560-42c0-44bb-9a6f-da77730bcb6b/cancel


{
    "id": "E-4-a6418560-42c0-44bb-9a6f-da77730bcb6b",
    "external_id": "3a39633d-e6fc-4bc2-96d1-51613b13858a",
    "status": "CANCELLED",
    "status_code": "400",
    "status_details": "The enrollment is cancelled."
}