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Empowering Nigerian Merchants with Apple Pay via Nomba’s Payment Platform
Nomba, a leading fintech company, has introduced Apple Pay acceptance for Nigerian merchants, enhancing its payment solutions to support Apple’s contactless payment technology for both physical stores and online transactions.
Seamless Global Transactions for Nigerian Businesses
This new feature enables merchants using Nomba’s platform to effortlessly receive payments from Apple Pay users worldwide, eliminating the need for physical cards or manual bank transfers. This is particularly beneficial for Nigerian businesses catering to international customers, including the diaspora community.
Future-Ready Payment Solutions
Pelumi Aboluwarin, Nomba’s Chief Technology Officer, emphasized the global shift towards faster, more secure, and frictionless payment experiences. He stated, “Our goal is to ensure Nigerian merchants are equipped to thrive in the evolving payments landscape, embracing speed and security without compromise.”
Context: Apple Pay’s Growing Footprint in Nigeria
Nomba joins the ranks of Nigerian fintech innovators supporting Apple Pay, following Paystack’s integration in 2021 and Platnova’s recent launch in mid-2025. While Apple Pay enjoys widespread adoption in regions like North America, Europe, and parts of Asia, its penetration in Nigeria has been limited due to regulatory hurdles and infrastructural gaps.
Merchant-Centric Integration Over Consumer Rollout
Unlike a full-scale consumer launch that would require Nigerian banks to issue Apple Pay-enabled cards, Nomba’s approach centers on merchant acceptance. This allows customers globally to pay Nigerian businesses using Apple Pay on their iPhones, authenticated via Face ID and linked to their stored card information. The solution supports both in-store POS terminals and online payment gateways.
Strategic Partnerships and Compliance Excellence
The rollout was made possible through collaborations with licensed international partners already integrated within Apple’s payment ecosystem. Although Nomba has not publicly named these collaborators, Aboluwarin highlighted the extensive technical and regulatory efforts undertaken to ensure a compliant and scalable implementation in Nigeria.
Meeting Global Security and Regulatory Standards
Integrating Apple Pay required adherence to some of the most rigorous global security protocols and certification requirements. Nomba’s possession of Money Transmitter (MTL) and Money Services Business (MSB) licenses in the United States enables it to work closely with global payment processors under strict service-level agreements, ensuring reliability and trustworthiness.
Addressing Payment Challenges for Nigerian Merchants
International payment acceptance in Nigeria often faces issues such as delayed fund settlements, withheld payments, and unfavorable currency exchange rates due to reliance on upstream processors outside the country. Nomba’s Apple Pay integration aims to mitigate these challenges by facilitating quicker checkouts and enhancing settlement dependability.
“In cases where upstream settlements are delayed, we proactively cover payments to merchants using our own capital to guarantee timely payouts,” the company affirmed.
Boosting Revenue and Customer Satisfaction
Aboluwarin anticipates that Apple Pay’s inclusion will elevate the shopping experience and increase earnings for merchants, especially those serving tourists and the Nigerian diaspora. According to the Nigerians in Diaspora Commission (NiDCOM), Nigerians abroad spent approximately ₦60 billion during their December 2024 visits home, underscoring the significant economic impact of this demographic.
By enabling faster transactions, reducing queue times, and minimizing payment errors, Nomba’s Apple Pay integration is poised to deliver substantial benefits during peak shopping seasons and high-traffic periods.
