Payment methodMobile / USSDListed Mar 2026
U

USSD

USSD (Unstructured Supplementary Service Data) is a mobile communication technology used to transmit data between a mobile phone and a service provider.

USSD (Unstructured Supplementary Service Data) is a mobile communication technology used to transmit data between a mobile phone and a service provider. As a payment method, USSD allows users to make secure transactions without requiring an internet connection, making it ideal for areas with limited mobile data access. USSD payments are widely used in Africa and parts of Asia for mobile money transfers, bill payments, and airtime top-ups, providing a fast, reliable solution for both consumers and businesses in low-data environments.

1

markets

NigeriaNG
1

currencies

NGN
5

sectors served

CosmeticseCommerceFood & DrinkHealthcareSaaS
1

built on

APAPI

What USSD costs

Merchants do not pay USSD directly. Each payment provider that offers it sets its own rate, so compare a few and ask them to quote.

What you need to onboard

N/A

What the last check found

This is one of the minority of methods that works in both directions: Nuvei's integration data records it as supporting payouts as well as payments and refunds. For anyone who needs to send money out as well as take it in — marketplaces, gaming, insurance, anything with a payout leg — that halves the number of rails worth considering, and this is one of them.

A single-country method, in Nigeria, charged in NGN, documented by Nuvei. Nothing wrong with that — a domestic rail is usually the cheapest and highest-converting way to be paid in its own market, and the reason to care about it is precisely that it is the local default rather than a global option.

This pass adds coverage rather than confirming it: the listing held 0 countries and the gateway documentation states 1. Nothing was removed — the earlier rows stand — but the figure now has a source behind it.

Checked against USSD’s own documentation on 20 October 2026. Coverage changes; confirm anything you are about to build on.

People at USSD

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Sources · 1

  1. Nuvei — APMs per currency and country (January 2026) · docs.nuvei.comcountriescurrenciesmethodscapabilitiesUsed for countries, currencies and whether the method supports deposits, refunds and withdrawals for USSD, as Nuvei documents itChecked 20 October 2026

1 source · last checked 21 October 2026 — each one says which claim it supports.

Compiled from public sources — verify with USSD before you sign anything. How we compile this · Suggest a correction ·