How Nigerian developers can receive USD payments in 2026

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Many guides on accepting payments in Nigeria focus only on collecting money from customers, but the harder challenge is getting USD into an account a developer can actually use. Stripe does not support standard accounts for Nigeria, and Paystack, though Nigerian-founded and owned by Stripe, settles only to local bank accounts in naira. Developers must first decide whether they need to accept payments or hold USD, since these require different products. Merchant of Record platforms such as Dodo Payments, Polar, Creem, Paddle, and FastSpring can handle sales tax, compliance, and refunds on a developer's behalf, while payouts often flow through a Payoneer receiving account. Fee details change frequently, so the article advises checking each provider's current pricing and Payoneer's fee schedule directly before signing up.

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