Loka Pay brings Nigeria's leading payment gateways together in one WordPress plugin. Connect one or several providers, manage every transaction from a single dashboard, and take payments through WooCommerce, popular LMS and membership plugins, or your own payment forms.
Supported payment gateways
- Paystack
- Flutterwave
- Monnify
- Interswitch (WebPAY)
- Remita
- OPay
- Squad
- Paga
You need a merchant account with each gateway you enable. Loka Pay does not process payments itself — it connects your site to the provider you choose.
Features
- Payment forms — build as many forms as you need with the drag-and-drop builder (text, email, phone, dropdowns, radio buttons, checkboxes, amounts and more). Each form has its own shortcode, and customers' answers are saved with each transaction. Dropdown and radio options can carry a price, for example "Gold — ₦5,000".
- Payment links — shareable, hosted payment pages with optional usage limits and expiry dates.
- WooCommerce — a full payment gateway with order sync and refunds.
- Subscriptions — recurring billing with automatic retries and dunning emails.
- Invoices — create, send and download invoices as PDFs.
- Customer portal — customers can view their payments, invoices and subscriptions with
[loka_pay_account].
- Refunds — issue full or partial refunds from the transaction screen.
- Split payments — revenue sharing for LMS instructors and marketplace vendors, using Paystack and Flutterwave sub-accounts.
- Smart routing — send each payment to the gateway with the best recent success rate.
- Fraud screening — rule-based risk scoring with an admin review queue.
- Offline bank transfers — record and approve manual bank payments.
- Webhook monitoring — signature-verified webhooks with health tracking and an automatic retry queue.
- Analytics and reports — revenue, success-rate and gateway charts, plus CSV export.
- Email notifications — receipts, invoices, failed-payment and renewal emails.
- Test mode — use each gateway's sandbox keys before going live.
- White-label — rebrand the admin screens through filters.
Integrations
Loka Pay adds a payment option to these plugins when they are active:
- WooCommerce
- LearnDash, LifterLMS, Tutor LMS, LearnPress
- Paid Memberships Pro, MemberPress, Restrict Content Pro
- The Events Calendar, Event Espresso, WP Event Manager
- Dokan, WC Vendors
- Page builders: Block Editor, Elementor, Divi, Beaver Builder
Shortcodes
[loka_pay_form id="123"] — a form built in Loka Pay → Forms (copy the shortcode from the forms list).
[loka_pay_form] — a simple name, email and amount form.
- Optional attributes:
amount (fixed amount in Naira), gateway, redirect, title, button_text.
[loka_pay_account] — the customer portal.
[loka_pay_status] — a payment status lookup.
1.1.0
Release date: 2026-10-24
New
- Payment result page: after paying, customers return to a clear success, pending or not-completed page showing the amount, reference, payment method and date, with a "Try again" button when a payment was not completed. Previously they landed on the blog archive.
Fixed
- Webhooks were never processed: the webhook listener read the request too early, so every webhook was ignored. Payments are now confirmed as soon as the gateway's webhook arrives.
- Flutterwave payments could not be verified because the wrong Flutterwave endpoint was used; verification now looks payments up by reference.
- Payments confirmed by the background reconciliation job now send receipts and trigger LMS, membership, event and WooCommerce actions.
- A payment can no longer be processed twice when a webhook and the returning customer confirm it at the same time.
- A returning customer's payment is confirmed with the gateway, including the amount and currency, instead of trusting the status in the address bar.
- Duplicate page titles on payment-link pages.
Improved
- Flutterwave requests no longer send an empty phone number, and extra details are sent in the format Flutterwave expects.
1.0.0
- Initial release, including multiple payment forms with their own shortcodes, priced dropdown and radio options, saved form answers on transactions, and support for Paystack, Flutterwave, Monnify, Interswitch, Remita, OPay, Squad and Paga.