Can I receive international payment and how will it be credited to me?

(Last Updated On: September 27, 2019)



Every account on VoguePay can be configured to receive payment from local and international merchants. Here are the two major criteria you are expected to comply with.

  • You need to verify your account. (here is the guideline)
  • Your website must be encrypted with an active SSL (secured socket layer) installed. When you have done this, your website URL will display as https:// instead of the normal http://
  • You must be collecting adequate KYC ( know your customers ) on your website.

In addition to the above, it is important to clarify how the process works for businesses domiciled in Nigeria and outside Nigeria. I explained it in more details below:

  • Non-Naira accounts.

If your account is non-Naira domiciled (i.e, your country of business is not located in Nigeria), by default, you can accept payment in other currencies immediately your account is verified. Please note that you will only be able to list your product in your default currency.

For example, a VoguePay merchant in Ghana can list his goods or services in Ghana Cedis but will be able to accept payment from any currency. For any successful transaction, VoguePay will charge the paying customer the equivalent in the currency she is paying with while the merchant will be credited with the amount in Ghana Cedis. (VoguePay uses its internal FX rates to calculate the currency conversion rate)

  • Naira accounts.

For users registered in Nigeria who desire to receive an international payment from anywhere in the world, please note the following.

  1.  To enable international gateway on your account, start by downloading and executing the following addendum to the VoguePay Terms and Conditions: (Click here to download the document).
  2. On completion of the form, you are expected to scan and send your feedback to the question to us by email to

The international gateway will then be enabled for your business after a satisfactory assessment of your application. Please note that your products or services will be listed in Naira while your international customers can pay with any currency of choice.


What currency will I get paid with…… and at what rate?

Even though you can accept payment in any country, all such payment will be reconciled to you in your local currency.

When you check your VoguePay wallet, you will see all payment in your default currency.  This is because our payment platform has auto conversion functionality; so any time international payment is made to you,  the system will automatically convert the amount you received to your local currency and credit it to your account based on the exchange rate on that day.

You can find information about our daily exchange rates here.


If I want to display my goods in a particular currency (let’s say USD), what should I do? 

To be able to list your product in a particular currency, you might need to create a VoguePay account in that supports that currency as its default. For example, to be able to list your product in US Dollar, you have to:

  1. Select a currency region (by choosing US Dollar).
  2. Choose any of country that we have assigned that currency to in our platform.


NOTE: That also means that you will be required to provide documentation (KYC) to verify your account for the country you choose.



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  1. This just made me sad. After registering and becoming a verified user of Vogue, I can’t receive dollars on my website until I under another round of verification on.
    That’s too sad.

    1. admin

      Please note that there is need for additional KYC before you can start accepting international payment.

      You can download the form, fill it with your details to request international gateway access.

      1. What about those who wants to just transfer funds from their dollar accounts to VoguePay before withdrawing it into their account? Do they also have to go register a business with CAC? If yes, that’s too bad.

        1. admin

          Hi Abraham,

          The international gateway access is used to manage transactions (i.e when others want to pay you) If that is what you need to do, you will have to comply with the procedure to enable it as this is part of our KYC obligations.

          On the other hand, if you are referring to transferring your own money in USD to VoguePay before withdrawing it out in Naira, this is what applies.

          1. As at now, VoguePay does not have integration with other 3rd parties to allow you move money from their account to VoguePay (e.g from PayPal to VoguePay). We are hopeful that our upcoming Bitcoin integration can help in such transactions in the near future.

          2. You can send a mail to to know how we approach sending money in USD payment to Naira for collection.

        1. admin

          Hi Chinonso, please note that you do not need CAC certificate to be eligible. As a verified business (see procedure here), you can apply for international gateway. Our team will evaluate your request and demand for any additional document before granting you access to international gateway.

  2. Emmanuel Ekwoh


    Please I want to know how I can set up my website to receive payment in USD without conversion to Naira. I need payments to hit my USD account direct…no conversions. What are the charges that apply in this case?

    1. admin

      Hello emmanuel, at the moment (as a result of CBN policy), merchants in Nigeria are expected to be settled in local currency even if transactions involve FX.

      We will be willing to discuss an approach that can work for your specific need. Please send a mail to for better advice.

  3. I filled the form and sent it back. They couldn’t activate the USD feature because the gateway was unavailable at that moment? That was the response I got sometime last year. Can I retry now?

    1. admin

      Hi, based on your explanation, for your account with default currency as dollar, you might not need to take additional action if your account is verified. For the second account, please follow the guideline in the post.

      Let me know if you have any other question. Its faster to send a mail to

  4. i did all am ask to do but my account is yet to accept dollar and pounds payment. I specifically created my e-commerce site for international online payment if this is not possible I might have to dump you guys for another platform

  5. Good day. my website here in Nigeria uses Dollar as the payment currency. How can my customers make payment using their Naira card? is there anyway i can receive their payment to the equivalent of the Dollar?

    1. admin

      Hi Stephanie,

      To answer your question, your customers can send Naira equivalent of the amount you are charging in USD. However, I will advise that you allow your Nigeria customers to pay in Naira. An easy way to do this is to have two payment buttons for each item you are selling. One will be in Naira while the other will be in USD.

      This arrangement will ensure that will do not convert FX multiple times for the same transaction. (Let me explain this further by sharing a quick lesson on how international payment works).

      1. Let’s assumed that you are based in Nigeria and you accept international transactions.
      2. Since you quoted your goods in USD, your local customers in Nigeria will pay a dollar equivalent. Due to exposure to FX, they will buy the goods at an expensive Naira equivalent. (meaning that they pay more)
      3. When we want to settle the transaction to your VoguePay account, we are obliged to pay the Naira equivalent of the USD transaction into your account. This is due to CBN policy of de-dollarisation. Since we “sell” USD to buy Naira which we remit to you, our rate is below the CBN rate (meaning that you get less)
      4. We also have a higher charge for international transaction than for local transactions. (meaning that you get less)

      This leaves you with a simple decision. Create two buy buttons; let your international users pay you in dollars while users in Nigeria pay you in Naira.

  6. Does vogue pay have android sdk. coz i. couldn\’t find it anywhere.

    Do i need a merchant account to receive payment?

    Under what condition do i need a merchant account.

    is it true that transactions less than N2500 with local cards attracts a transaction fee of only 1.5% ??

    1. admin

      Hi Opeyemi, you do not need a a merchant account to receive payment. I will assume you mean a VoguePay business account that is verified. However, to accept payment in USD, you need to upgrade from personal to business account and request for international payment access See detailed explanation in this guide

      Regarding transaction fees, we charge only 1.5% for transactions below N2500 (and 1.5% + N30 for transactions above N2,500). See more details here.

  7. Good evening my name is Charles, i’ve applied for the international dollar gate way since last week friday and tomorrow is friday making it a week now and i haven’t got a reasonable feedback yet. My company is a Startup, i need all payment gateways functional so incan transact business. All these delays isn’t helping my business at all… i virtually have to call daily to remind you guys about my application. I’ve submitted your verification forms, my company’s CAC, International passport, and other documents i used while opening the Naira gateway.

    1. admin

      Hello Charles, we are sorry you have not got our feedback on application. This will be communicated to you through email. Thank you.

  8. Hi I just submitted my documents for verification purposes, my username is ( I hope that very soon i can accept dollar donations having fulfilled all the necessary requirements for a dollar payment gateway.

    1. admin

      Yes. We will review your application and respond by email.

    1. admin

      Hi Sophia, you can withdraw to a dorm account in Nigeria.

    1. admin

      Hi Sophia,

      When you are making payment (in this case, funding your account for business verification), you will be prompted to pay using the currency of your business domiciliation. In your case, you are prompted to pay in USD because the account you want to verify is US.
      However, you can pay using USD or any currency. All you have to do is to toggle the payment options and select the currency you want to pay with. Automatically, the amount is adjusted to the currency you selected (we used our internal FX rate which is based on market rates to determine the currency conversion). Then you can proceed with payment.

      currency conversion and paying using different currency tools on voguepay

  9. Hi, Admin Support. I read through the comments and can see that you have been really supportive. I also love the upgrade, though some functionalities on your site are still broken (as at today, 17th Feb., 2018). I am currently working on a new project which would require a nice payment gateway like yours, but some of my targeted customers would be from India, Ghana, Kenya, South Africa, and Malaysia, but not necessarily United States. So may I ask;
    1. Do I still need VoguePay? If yes, how?
    2. Would I have to do the International Verification stuff?


    Side note: Please correct this line in the article above: “NOTE: The system [is] comes with auto conversion functionality…”

  10. Hello admin, i want to know if i can integrate vogue pay into my landing page and how

    And i want to set my prices in dollars. This is mainly because of my target market what do i do.

    Finally, i want to know if i can use vogue pay to recieve payments from affiliate programs.

    1. admin

      Hi Peter, it appeared your website is built with WordPress CMS. This makes it easy to integrate VoguePay. You can use our plugin that is available on the WordPress repository (you can use the WordPress buy now button or WooCommerce plugin)

  11. Why those transaction take so long to be listed under Immature Balance? I’m asking this because two of my customers from outside the country make a payment on Saturday and Sunday. But the amount paid is still under Immature Balance till today (Monday). I need an explanation please?

  12. Can I attach a domicilliary account in USD with my products listed in USD and my vogue pay wallet also USD? Will the payment go to my DOM in USD without conversion?

    1. admin

      if your country of business domiciliation supports USD, your payment will go to the domiciliary account you provided without conversion. Please note that conversion takes place when you receive money in a different currency other the the one your account is settled in.

      Please see more about this in this guide:

  13. Which bank cards work on your site for business veriification? I have used Access bank, Diamond bank and a Dollar card and all failed! I want to verify my business.

    1. admin

      Hi Chris, we accept VISA, Mastercard, JCB and other cards. All the banks you mentioned are supported.

      However, I am sorry to hear about the challenges you had with making payment. Hope your cards are enabled for internet transactions? if not you need to go to your bank to configure your cards for online payment. You will get an iPIN which you can use to complete transactions online.

      Hope this helps?

  14. Madam

    Please, I want to use voguepay on my blog. I want the currency to display and accept payment in USD.

    Each time I select USD, when someone is about to make a payment, they will say this merchant is not allowed …bla blah

    But when I set it to Naira, it works. Can’t someone exchange currencies?

    How can I start selling in USD?

    In addition, my customers are mostly From US, which payment method is available for international payments?

    Is it only Visa and Mastercard? ( US don’t use Verve)

    I need urgent answer!

    1. admin

      Hello Madam,
      We will like to enable your Naira account to receive USD payments. Simply download the form (referenced in the article above), fill it and submit back to us. Our team will review your request in order to enable the gateway for you. I have also sent you an emailwith additional information.

      Hope to hear from you soon.

    2. admin

      Hello Madam,
      We will like to enable your Naira account to receive USD payments. Simply download the form (referenced in the article above), fill it and submit back to us. Our team will review your request in order to enable the gateway for you.

      I will also like that you send an email to with the email you used to open your voguepay account so we can see if your account is enabled for international transactions already. This is because a Naira account can not accept payment in other currencies, however, if you follow the guidelines in the article you will be able to price your items in Naira while US customers can make payment.

      Hope to hear from you soon.

  15. Peace

    Pls I worked for a foreign company in US, so I was due for payment, and I used my Nigeria account to fill d space for payment, I.e, UBA account, I want to know if I can still receive d money, because I don’t really have a dollar account

    1. admin

      Hello Peace, congrats. It’s time to get paid 🙂

      Our invoice app is designed just for that. Create an invoice with VoguePay and send to your contact in US. I presumed your account is based in Naira, if so, you need to convert the amount you are expecting to be paid to you in dollar to Naira equivalent (use black market rate though 🙂

      This video shows you how to create invoice on VoguePay.

  16. prince

    Am really tired of this Voguepay, for over a month I can’t do anything.
    This verification process is just somehow and not straight forward.
    What is the KYC am to submit?
    trying to verify my business account still account not accepting the card.
    Am really tired and having headache.
    You guys should try and make this thing as straight forward as possible.

  17. Godwin

    If I get paid in USD which amounts to say 60 USD, can I get its exact equivalent in my Naira account (which should be around N21,600)? Please let me know more about conversion. Thank you.

    1. idorenyin

      Hello Godwin, the conversion varies as it depends on the prevailing rate at the time of transaction.

    1. idorenyin

      Hi Smith, the affiliate commission is 10% of what VoguePa earns from every referral that signs up using your referral link.


    What’s you people problem, what the fuck is the use of voguepay on a site and customers can’t make payments for 1week now, despite calls, emails and all…



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