Why one is not enough.
WHAT NIGERIAN CUSTOMERS USE
Cards, with varying online restrictions Bank transfer
USSD
Mobile money, in some segments
WHY OFFER SEVERAL
A customer whose card is declined will use another method if offered.
If not offered, they leave.
WHAT TO ENABLE
Card, always Bank transfer, which many customers prefer USSD, where your gateway supports it
BANK TRANSFER THROUGH THE GATEWAY
Better than manual transfer, since the gateway confirms it automatically.
MANUAL BANK TRANSFER
Displays your account details and marks the order on hold.
You confirm manually.
Never dispatch on a screenshot. Confirm funds in your own account.
CASH ON DELIVERY
Common here. Carries refusal risk.
Confirm by phone before dispatch.
WHAT TO TEST
Each method, individually, with a real transaction where possible.
WHAT NOT TO DO
Enable methods you have not tested.
