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Find Payment Routes

Compare platforms that support sending and receiving in both countries.

USUnited States
NGNigeria

🇺🇸United States → 🇳🇬Nigeria

8 platforms available
About United States →About Nigeria →

Recommended Strategy

Primary
Deel

Lowest fees at 0%

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Backup
Wise

Fastest transfers at 0–24 days

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Based on verified fee data — fees may vary by payment method and transfer amount.

DeelAvailableCrypto

Global payroll and compliance platform for remote teams

Fee:
0%
($0 platform fee (employer pays). USD same-currency — no FX conversion. ACH bank transfer free. Deel Card instant access available.)
Transfer time:
24–48 days
(Typically 1–2 business days via ACH; instant via Deel Card)
Docs Verified

Last verified May 29, 2026 — source

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PayoneerAvailable

Global payment platform for freelancers and businesses

Fee:
0–1%
(Same-currency withdrawal — $1.50 flat fee on transfers over $400. 1% marketplace receiving fee. No FX conversion needed.)
Transfer time:
24–48 days
(Typically 1–2 business days via ACH)
Docs Verified

Last verified May 29, 2026 — source

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RemoteAvailable

Global HR platform for hiring and paying international teams

Fee:
0%
($0 fee to contractor. Same-currency USD — no FX conversion. Employer pays $29/mo.)
Transfer time:
24–72 days
(Typically 1–3 business days via ACH)
Docs Verified

Last verified May 29, 2026 — source

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WiseAvailable

Multi-currency account with low-cost international transfers

Fee:
0%
(Primary market. ACH receives free. Wire receives $6.11.)
Transfer time:
0–24 days
(ACH: same-day or next day. Wire: same day)
Docs Verified

Last verified May 28, 2026 — source

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GreyAvailable

Banking for Africans — USD, GBP, EUR accounts

Fee:
0.8%
(0.8% ACH receiving fee (capped $10). USD same-currency — no FX conversion, no local withdrawal fee.)
Transfer time:
24–48 days
(Typically 1–2 business days via ACH)
Docs Verified

Last verified May 29, 2026 — source

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StripeAvailable

Online payment processing for internet businesses

Fee:
2.9–3.4%
(2.9% + $0.30 per card transaction. Additional 1.5% for international cards. Connect payouts to US bank accounts at 0.25% + $0.25. ACH payouts: 0.8% capped at $5.)
Transfer time:
24–48 days
(T+2 standard payout. Instant payouts available at 1% (min $0.50).)
Docs Verified

Last verified May 29, 2026 — source

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PayPalAvailable

Global online payments and money transfers

Fee:
3.49–4.99%
(3.49% + $0.49 domestic, 4.99% + $0.49 international. Instant transfer available for additional 1.75% fee (capped at $25).)
Transfer time:
24–72 days
(Standard: 1–3 business days. Instant transfer available at extra cost.)
Docs Verified

Last verified May 29, 2026 — source

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GeegPayLimited

Virtual dollar accounts for African freelancers

Fee:
0–1 USD
(ACH withdrawal to US bank from virtual USD account. 1 free ACH/month then $1 flat. Receive-back channel only — not a primary use case.)
Transfer time:
24–72 days
(Typically 1–3 business days via ACH)
Limitations: Raenest is designed for African/Asian freelancers receiving USD, not US-based users. US bank withdrawal is a receive-back mechanism.
Docs Verified

Last verified May 29, 2026 — source

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Crypto & Stablecoin Options

  • Deel
    USDC

    USDC withdrawals available on Ethereum, Polygon, and Solana. Contractor selects crypto as a withdrawal method in the Deel dashboard. Minimum withdrawal and gas fee norms apply per network.