---
title: "Squad: Payment Gateway in Nigeria — Fees"
description: "Collect payments in Nigeria via virtual accounts, POS, USSD, links and API. Fees: 1.2% local (cap ₦1,500); intl 4.3% or $2.50–$5."
canonical_url: "https://liners.com/squad"
markdown_url: "https://liners.com/squad.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/squad/screenshot.webp?v=1790948145874"
published_at: "2026-04-27T21:59:59.264Z"
updated_at: "2026-10-06T16:49:28.052Z"
---

# Squad: Payment Gateway in Nigeria — Fees

Collect payments in Nigeria via virtual accounts, POS, USSD, links and API. Fees: 1.2% local (cap ₦1,500); intl 4.3% or $2.50–$5.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Squad](/squad)

## Summary

Accept online and in-person payments across Africa

A payment platform for African businesses to collect online and in-person payments via virtual accounts, payment links, gateway integrations, USSD, POS, and APIs.

## Product details

| Field | Value |
| --- | --- |
| Website | https://squadco.com/ |
| Tagline | Accept online and in-person payments across Africa |
| Primary country | Nigeria |
| Platforms | Web, Android, iOS, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Squad is a business payments platform for African merchants, fintechs, and organisations that need to collect and manage online and in-person payments.

Key capabilities include:
- **Virtual Accounts** for bank transfers with instant payment confirmation and easier reconciliation
- **Payment Links** and **invoicing** to request payment remotely, including single or bulk invoice creation with currency selection
- **Payment Gateway** and **developer tools** for integrating card and bank payment acceptance into websites and apps, with **APIs, SDKs, documentation, and a sandbox** for testing
- **Payouts and in-person payments** through **Transfer API** (send money to customers), **USSD** (quick customer payments), and **POS** for physical locations

Available on **Web** (dashboard and developer portal), **API**, and the **Squad Business** merchant app on **Android and iOS**.

The platform targets **micro, small, and large businesses**, plus **fintechs** and **churches** operating in Africa, with a strong focus on Nigeria.

Squad is notable in the Nigerian market for its **CBN licensing** (via HabariPay, a GTCO subsidiary) and its security controls, including **PCI DSS Level 1 compliance**, **data encryption**, and alignment with **GDPR** and the **Nigerian Data Protection Regulation**. Pricing is **paid and transaction-based**, with details published on its pricing page.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Direct Debit](/tags/direct-debit): Product feature or technology
- [Payment Gateway](/tags/payment-gateway): Product feature or technology
- [Payment Links](/tags/payment-links): Product feature or technology
- [POS](/tags/pos): Product feature or technology
- [USSD](/tags/ussd): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/squad/alternatives)
- [Reviews](/squad/reviews)
- [Transparency](/squad/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/squad)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)