---
title: "Zest: Payment Gateway in Nigeria — Fees"
description: "Collect online and in-store payments in Nigeria via cards, transfers, USSD, QR, Apple Pay/Google Pay. Fees: local 1.5% (cap NGN1,500), intl 4.5%."
canonical_url: "https://liners.com/zest"
markdown_url: "https://liners.com/zest.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/zest/screenshot.jpg?v=1773568233862"
published_at: "2026-03-12T20:59:34.615Z"
updated_at: "2026-10-07T17:55:26.860Z"
---

# Zest: Payment Gateway in Nigeria — Fees

Collect online and in-store payments in Nigeria via cards, transfers, USSD, QR, Apple Pay/Google Pay. Fees: local 1.5% (cap NGN1,500), intl 4.5%.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Zest](/zest)

## Summary

Collect online and in-store payments in one place

A payment orchestration platform for African businesses to collect online and in-store payments via cards, transfers, USSD, QR, Apple Pay and Google Pay, with APIs and reporting.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.zestpayment.com/ |
| Tagline | Collect online and in-store payments in one place |
| Primary country | Nigeria |
| Platforms | Web, API, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Zest is a payment orchestration and collection platform for African businesses, from small merchants to large enterprises, that need to accept online and in-store payments through multiple channels.

Key capabilities include:

- **Multi-channel payment collection** across cards, bank transfers, USSD, and QR, plus support for **Apple Pay** and **Google Pay** (where available), so customers can pay using their preferred method.
- **Free, customisable eCommerce storefronts** that let merchants sell online without building a separate website, useful for SMEs starting online sales quickly.
- **Merchant tools and enterprise support** including aggregator-style collections for organisations managing multiple locations, plus options such as **pre-funding** and **card-based loyalty** support.
- **Developer integrations and security** with **well-documented APIs** and stated **PCI-DSS** and **NDPR** compliance.

Available on **Web** (via [https://business.zestpayment.com](https://business.zestpayment.com/) dashboard[)](https://business.zestpayment.com/), **Android** (Zest Business App), **iOS**, and via **API**.

It targets **B2B users**, including Nigerian SMEs and large corporates that want consolidated payment operations, reporting, and configurable payment flows.

Notable in the African market context, the platform is a fintech subsidiary of **Stanbic IBTC Holdings** and is **licensed by the Central Bank of Nigeria**, positioning it for regulated payment collection in Nigeria while serving businesses operating across the continent’s growing digital payments ecosystem.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [Invoicing](/tags/invoicing): Product feature or technology
- [Payment Gateway](/tags/payment-gateway): Product feature or technology
- [Payment Links](/tags/payment-links): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

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

## Access and citation

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