How to Receive International Payments as a Nigerian Business
12 October 2026 - Naira BriefingGetting paid by overseas customers is a growth lever for any Nigerian business — but only if the money arrives cleanly and converts to naira at a fair rate. The right setup depends on who is paying you and how often.
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The main ways to get paid
- Corporate domiciliary account — receive wires in USD/GBP/EUR and hold the balance.
- Payment gateways (for cards and checkout) that settle to your account.
- Freelance/marketplace rails — for service income, the same tools individuals use (see receiving dollars as a freelancer).
Invoicing and converting
Invoice in the customer’s currency, state your banking details clearly, and decide when to convert. Converting a large balance all at once on a weak day costs you — compare the live USD to Naira rate and consider spreading conversions. See receiving money from abroad for the broader options.
Running a business that earns in foreign currency? Message us — we convert at a market-based rate, often better than a bank’s desk.
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