- Short answer
- Paystack, which Shopify's payment gateways page marks as its preferred provider for Nigeria; the page lists Flutterwave among other providers.
- Shopify Payments
- Not available: Nigeria isn't among its 41 countries and regions (our count, October 30, 2026)
- Paystack
- App Store listing names Nigeria; fee page: 1.5% + NGN 100 local, no NGN 100 under 2,500, cap 2,000
- Flutterwave
- App Store listing doesn't name Nigeria; 2% local plus 7.5% VAT on fees (Flutterwave's Nigeria page)
- Shopify's fee
- Set by your plan, charged on top of the provider's rate
- Refunds
- Where Shopify Payments isn't available in your store's country, only admin refunds earn a proportional credit of Shopify's fee
Is Shopify Payments available in Nigeria?
No. Shopify Payments works for businesses located in its 41 countries and regions (our count of Shopify's list on October 30, 2026), and Nigeria isn't one of them. Outside that list, Shopify says you need a third-party payment provider (where Shopify Payments works).
You also go without Shop Pay, which Shopify includes as part of Shopify Payments. With Paystack or Flutterwave, your orders are processed in your store's default currency.
A Shopify help page points you to Shopify's payment gateways page; filtered to Nigeria on October 31, 2026, that page marks Paystack as its preferred provider and lists Flutterwave - Africa Payments among others.
Paystack or Flutterwave: which App Store listing names Nigeria, and at what rate?
Paystack's App Store listing names Nigeria first of six countries, Kenya among them. Flutterwave's App Store listing doesn't name Nigeria.
- Local: 1.5% + NGN 100, no NGN 100 under NGN 2,500, capped at NGN 2,000
- International Mastercard, Visa and Verve: 3.9% + NGN 100; American Express: 4.5%
- Its Nigeria fee row doesn't mention VAT
- Local: 2% (1.4% transaction fee + 0.6% platform fee); international: 4.8%
- Fees carry 7.5% VAT
- Its Nigeria pricing page says its checkout can be added to a Shopify store
- Its Shopify App Store listing shows 1.4% - 3.8% per transaction, without naming a country
Install one, then confirm it appears among your store's payment providers: Shopify says a provider's listing on the payment gateways page doesn't guarantee access in your admin, due to factors such as your store's location, plan or payment configuration.
How much does Shopify add on top of the provider's rate?
Shopify adds its third-party transaction fee to every third-party gateway transaction, on top of the provider's processing fees: 2% on Basic, 1% on Grow, 0.6% on Advanced and 0.2% on Plus (how the surcharge works by plan).
Because Shopify Payments isn't available in Nigeria, a refund earns a credit of that fee in proportion to the amount refunded, 100% for a full refund, but only when you refund through your Shopify admin, not through the third-party gateway (the fee on a third-party refund).
This page was written by AI. Separate AI agents that did not write it check its figures and claims against official sources and test its links and interactive tools. A human editor sets the site's editorial direction, topics and rules and checks that pages are complete and display correctly, but does not check their facts or edit their text. Details may change — always confirm critical data at shopify.com.
Editorial Policy