Picking the best platform to sell digital products in Nigeria comes down to three questions: how much of each sale you keep, how fast the money reaches your naira account, and what happens after someone buys.
Most creators start by sending account numbers in WhatsApp DMs and confirming transfers by hand. That works for ten sales. It breaks at a hundred.
This guide ranks seven platforms Nigerian creators actually use: Serlzo, Selar, Nestuge, Gumroad, Payhip, Paystack and Flutterwave. For each one you'll see who it suits, the fees from its official pages, how payouts work, and where it falls short.
Quick comparison table
All fees below were checked on each company's official pages in November 2026. "Per naira sale" means what the platform charges on a typical sale paid in naira.
| Platform | Fee per naira sale | Monthly cost | Payouts | Best for |
|---|---|---|---|---|
| Serlzo | You pay 0.5%; buyer pays 4.5% + ₦100 at checkout | Free plan; paid from $13 (about ₦17,500) | Wallet, free withdrawals, settle within 24 hours | Selling plus follow-up on WhatsApp, email and SMS |
| Selar | 4% + ₦50 (you or the buyer can pay it) | Free Starter plan; paid plans available | Naira sales paid to your bank automatically the day after | Physical items, tickets and an affiliate network alongside digital |
| Nestuge | 7.5% commission, plus $0.30 on card payments and 1.5% more on the free plan | Free Pay as you go; Plus is $45 a month | To your Nestuge wallet, most local sales the next day | Courses from Google Drive, payment plans |
| Gumroad | 10% + $0.50 per direct sale; 30% on Discover marketplace sales | Free | Weekly to a Nigerian bank in naira, $100 minimum | Selling to buyers abroad |
| Payhip | 5% on the free plan, plus your payment processor's fee | Free; Plus $29; Pro $99 | Through your connected processor (Flutterwave works in Nigeria) | Courses, memberships and coaching on one global store |
| Paystack Storefront | 1.5% + ₦100 (₦100 waived under ₦2,500, capped at ₦2,000) | Free | Naira settles the next working day | Simple checkout with the lowest seller fee |
| Flutterwave Store | 2% per local transaction, plus VAT on the fee | Free | To your bank through Flutterwave | Mixed physical and service sales with delivery |
Now the details.
1. Serlzo: best overall for Nigerian creators who sell on WhatsApp
Who it's for: coaches, educators and creators who sell ebooks, templates, courses, coaching and paid communities, and who do most of their selling on WhatsApp.
Serlzo's storefront sells four kinds of digital product: online courses, digital downloads, packaged services and 1:1 calls. Every product gets its own page and a checkout link you can drop in your bio, a WhatsApp chat, an SMS or an email.
Fees. On a naira sale, you pay 0.5% and the buyer pays a 4.5% + ₦100 checkout fee on top of your price. So you keep 99.5% of what you charge. On a ₦10,000 ebook, you keep ₦9,950 and the buyer pays ₦10,550. USD sales cost you 5.5%, with the buyer paying 9.8% + $0.30.
Payouts. Sales land in your Serlzo wallet. Withdrawals to your bank are free and settle within 24 hours.
Standout strengths:
- Buyers pay the way they already do. Cards, bank transfer, USSD and mobile money, with sales to buyers in 180+ countries.
- Every buyer becomes a contact. Buyers are added to your CRM automatically, and a purchase can start a follow-up workflow.
- Abandoned checkout follow-up. Buyers who leave checkout get an automatic nudge.
- More than a store. Paid communities, course hosting, email, SMS, WhatsApp broadcasts and a WhatsApp AI chatbot live in the same dashboard.
Drawbacks:
- Digital only. You can't sell physical products or event tickets.
- Buyers see a checkout fee. Because the buyer covers 4.5% + ₦100, a ₦5,000 product shows up as ₦5,325 at checkout. Price with that in mind.
- Automation needs a paid plan. Workflows and WhatsApp marketing start on Basic at $13 (about ₦17,500) a month. The Free plan covers 15 storefront products, 1 community of up to 20 members, and email and SMS marketing.
2. Selar: the established Nigerian marketplace
Who it's for: creators who want a well-known Nigerian checkout, sell a mix of digital and physical items or event tickets, or want affiliates to promote their products.
Fees. Selar charges 4% + ₦50 on naira sales. You can absorb it or pass it to the buyer at checkout. Foreign-currency sales cost more: Selar lists 10% + 50 cents on USD and 5% + GH¢1 on cedi sales.
Payouts. Nigerian merchants selling in naira are paid automatically to their bank account the day after a sale. Other currencies go to a Selar wallet, with a small withdrawal fee (₦50 for naira wallet withdrawals).
Standout strengths:
- Sells almost anything. Ebooks, courses, services, subscriptions, physical products and tickets.
- Affiliate network. Other people can promote your product for a commission.
- Familiar to buyers. Many Nigerian buyers have already paid through Selar before.
Drawbacks:
- Higher cut on dollar sales. 10% + 50 cents adds up if you sell abroad.
- Follow-up centers on email. Abandoned-cart emails and Mailchimp are built in, but WhatsApp and SMS follow-up usually needs another tool.
For a side-by-side breakdown, read Selar vs Nestuge vs Serlzo.
3. Nestuge: courses, payment plans and Google Drive delivery
Who it's for: course creators whose content already lives in Google Drive, and sellers who want to offer installment payment plans.
Fees. Nestuge's pricing page lists a 7.5% commission on sales in any currency, exclusive of VAT. Card payments add $0.30, and the free Pay as you go plan adds another 1.5%. The Plus plan costs $45 a month.
Payouts. Sales settle to your Nestuge wallet, most local ones the next day, and you withdraw whenever you choose. The minimum withdrawal is $1.
Standout strengths:
- Google Drive integration for selling courses you already store there.
- Flexible payment plans, including installments.
- Drip content, cart recovery and a Discover listing on every plan.
Drawbacks:
- A higher commission than most of the list on naira sales.
- The best tools sit on Plus. Full CRM, communities and a custom domain are on the $45 plan.
4. Gumroad: good for global buyers, harder for local ones
Who it's for: Nigerian creators who mostly sell to buyers in the US, UK and Europe.
Can Nigerians sell on Gumroad today? Yes. Gumroad's help center lists Nigeria among the countries it pays by direct bank deposit, in naira. Payouts to Nigerian bank accounts go out weekly on Tuesdays, sales are held for at least 7 days on the weekly schedule, and you need a minimum balance of $100. You'll also go through Stripe's identity verification.
Fees. 10% + $0.50 on sales through your profile or direct links, and 30% on sales that come from Gumroad's Discover marketplace.
Standout strengths:
- Merchant of record. Gumroad handles VAT, GST and sales tax on your international sales.
- Discover marketplace can bring buyers you'd never reach yourself.
Drawbacks:
- The highest fee on this list for direct sales.
- Slow cash flow. A $100 minimum and a weekly schedule are tough for a new creator selling ₦5,000 ebooks.
- Dollar-first. Fees and payout thresholds are set in dollars, so check that your Nigerian buyers can pay the way they prefer before you commit.
5. Payhip: an all-in-one store with a free plan
Who it's for: creators who want digital downloads, courses, memberships and coaching on one simple store, and sell to a global audience.
Fees. The Free plan charges 5% per sale, Plus is $29 a month with 2%, and Pro is $99 a month with no Payhip fee. Your payment processor charges its own fee on top.
Payouts. Payhip pays you through the processor you connect. Flutterwave is supported in Nigeria, as long as your Payhip store currency matches your Flutterwave account currency.
Standout strengths:
- Every feature on every plan, with unlimited products.
- Five product types, including memberships and coaching.
Drawbacks:
- Two fees stack up on the free plan: Payhip's 5% plus Flutterwave's.
- Two accounts to manage. Payhip runs the store and your processor holds the money, so setup and support are split.
6. Paystack Storefront and payment links: lowest fee, fewest extras
Who it's for: sellers who just need a checkout page and are happy to deliver and follow up themselves.
Fees. Paystack charges 1.5% + ₦100 on local transactions. The ₦100 is waived on payments under ₦2,500, and local fees are capped at ₦2,000. International cards cost 3.9% + ₦100. Setting up a Storefront is free.
Payouts. Naira settles to your bank the next working day.
Standout strengths:
- The lowest seller fee here on most naira sales.
- Trusted checkout that most Nigerian buyers already know.
- Discount codes and multiple storefronts per account.
Drawbacks:
- It's a payment tool, not a creator platform. There's no course hosting, community, CRM or follow-up sequence.
- Delivery is basic. After payment, Storefront shows a success message or redirects the buyer to a link you set, so you manage file access yourself.
7. Flutterwave Store and payment links: free store, basic for digital
Who it's for: small businesses that sell a mix of physical products and services and want a free store with delivery options.
Fees. Flutterwave's Nigeria pricing page lists 2% per local transaction and 4.8% on international ones, with 7.5% VAT charged on the fee. Setting up a store is free.
Payouts. Money settles to your bank account through your Flutterwave business account.
Standout strengths:
- Free to set up, with product variants, discounts and delivery fees.
- Many payment options for buyers across Africa.
Drawbacks:
- Built around physical products. The store page doesn't describe digital file delivery, course hosting or follow-up.
How to choose the best place to sell digital products in Nigeria
- You sell on WhatsApp and want buyers to come back: Serlzo. The store, CRM and follow-up are connected.
- You also sell physical products or tickets: Selar.
- Your courses live in Google Drive: Nestuge.
- Most of your buyers are abroad: Gumroad or Payhip.
- You only need a checkout link and nothing else: Paystack.
Not sure what to sell yet? Our list of 30 digital products to sell in Nigeria has price ranges for each one, and our step-by-step guide to selling digital products in Nigeria walks you from idea to first payout.
Frequently asked questions
What is the best platform to sell digital products in Nigeria?
For most creators who sell on WhatsApp, Serlzo is the best fit: you keep 99.5% of every naira sale, buyers can pay by card, bank transfer or USSD, and every buyer lands in your CRM for follow-up. If you also sell physical products, Selar is a strong choice. If you only need a checkout, Paystack has the lowest seller fee.
Where can I sell digital products for free in Nigeria?
Serlzo, Selar, Nestuge, Payhip, Paystack and Flutterwave all let you start without a monthly fee. None of them is completely free, because each takes a fee per sale. Serlzo's Free plan includes a storefront with up to 15 products, and you pay 0.5% per naira sale.
Can Nigerians sell on Gumroad?
Yes. Gumroad pays Nigerian creators by direct bank deposit in naira, weekly, once your balance reaches $100. It keeps 10% + $0.50 on direct sales, so it suits sellers with mostly international buyers more than those selling to Nigerians.
Which website is best to sell digital products in Nigeria without a website of my own?
You don't need your own website on any platform here. Serlzo, Selar, Nestuge and Payhip all give each product a hosted page and a shareable link. Serlzo's links are built to be shared in WhatsApp chats, bios, SMS and email.
Is Selar or Serlzo cheaper?
On a ₦10,000 sale, Selar charges 4% + ₦50 (₦450), which you or the buyer can pay. On Serlzo you pay ₦50 and the buyer pays ₦550 at checkout. Selar costs less in total per sale, while Serlzo leaves more with you as the seller and adds marketing tools.
Start selling with Serlzo
The best platform is the one that gets you paid quickly and helps you sell again to the same buyers. Set up your storefront, share your first link on WhatsApp, and let follow-up run on its own.
Last updated November 2026. Serlzo publishes this blog. Prices and policies from other companies change; check their official pages before deciding.