Paying your team in Nigeria used to mean a spreadsheet, a calculator, and a long night before the 28th. In 2026, however, it does not have to be.
The rules have changed. The Nigeria Tax Act 2025 reset how Lint and every other tool must compute PAYE, what counts as taxable, and how reliefs work. Pension contributions still have to reach every employee’s PFA on time through PenCom. Meanwhile, state tax authorities want their remittances, and they want proof. Miss any of it and you are looking at penalties, interest, and an audit you did not budget for.
Good payroll software takes all of that off your plate. The right tool does not just move salaries — it computes the tax correctly, remits to the right state, settles pension, keeps the receipts, and lets your staff see their own payslips without emailing you. The wrong tool, on the other hand, just makes a mistake faster.
This guide compares the best payroll software in Nigeria for 2026. We start with our top pick, Lint Payroll, then walk through seven other well-known options so you can choose what fits your business. No hype, no fear-selling — just what each one does and who it suits.
How we chose: what to look for in payroll software
Before the list, here is the lens we used. If you only remember five things when shopping for payroll software in Nigeria, make it these.
Nigerian tax and pension compliance
This is the whole point. Your software must compute PAYE under the Nigeria Tax Act 2025 — not old PITA bands — handle pension at the correct employee and employer rates, and remit to the right state IRS and PFA. Software built abroad and bent to fit Nigeria tends to get the edges wrong, because the rules are too specific to retrofit cleanly.
Automation that includes the hard parts
Anyone can calculate a salary. The value, however, is in what runs automatically: PAYE remittance, pension to every PFA, payslips, and — the part most tools ignore — salary advances settled straight from payroll. The more that happens on one click, the fewer manual errors you carry.
Pricing model
This matters more than the headline number. Most payroll tools charge a monthly subscription whether you run payroll or not. A transactional model — where you pay only when you actually pay staff — is friendlier for small and seasonal teams. So read the model, not just the price.
Trust and security
You are handing software your staff’s money and their tax. Look for segregated funds, real receipts, the ability to verify remittances independently, daily reconciliation, and recognised compliance standards (NDPR, PCI DSS, CBN-licensed payment partners, NDIC-insured accounts). “Trust us” is not a feature. Proof, on the other hand, is.
Ease of use and support
Your first payroll run should take minutes, not a training course. Employee self-service also cuts the “why is my pay different?” questions. And when something is off, you want a human who understands Nigerian payroll, not a ticket queue in another time zone.
We weighted these five against the reality of running a small Nigerian business — limited time, tight cash flow, and no patience for software that fights you. A tool can score well on a feature checklist and still be the wrong fit if it charges you in months you do not run payroll, or if it leaves you assembling remittance proof by hand. Throughout the list, therefore, we have tried to be plain about who each tool is for, rather than crowning one winner for everyone.
Now, the list.
1. Lint Payroll — best overall for Nigerian SMBs
Best for: Nigerian businesses of any size — from your first hire to teams of 1,000+ — that want salary, tax, and pension handled in one place without a monthly subscription.
Lint Payroll is our top pick because it collapses the entire payroll cycle into a single funded run.
What makes Lint different
You fund payroll once, and that one run handles everything: net salaries land in employee accounts, Lint computes PAYE under the Nigeria Tax Act 2025 and remits it to the correct state IRS, pension reaches every employee’s PFA through PenCom, salary advances settle automatically, and payslips go out. No separate tax run. No separate pension upload. And no chasing remittance receipts the following week.
That “one funded run does it all” design is the core difference. With most tools you still juggle three or four steps across different systems and deadlines. Lint, by contrast, makes them one.
Verifiable trust
The second thing that sets Lint apart is verifiable trust. Your payroll money sits in a segregated trust account — Lint does not mix it with anything else. Every remittance produces a cryptographic receipt. You can verify a state-IRS remittance with one click, see filing status right in your dashboard, and Lint reconciles daily. So you are never taking compliance on faith; instead, you can show an auditor the proof on the spot.
On compliance and security more broadly, Lint is NDPR-compliant, runs on CBN-licensed payment partners, is PCI DSS compliant, and uses NDIC-insured accounts. Taken together, that is the difference between software that says it is safe and software that can show you it is safe — which, when the money belongs to your staff and the deductions belong to the government, is the only standard worth holding.
Pricing
Third, the pricing is transactional, not a subscription. Lint charges ₦500 per employee per payroll run — and that single fee covers the tax computation, the pension remittance, the payslips, all of it. There are no separate remittance fees stacked on top. Disbursement to a Lint account is free; to any other Nigerian bank it is ₦40. For example, if you run payroll once a month for 10 staff, you pay for ten employees that month — full stop. And if you skip a month, you pay nothing. For small and seasonal teams, therefore, that beats paying a monthly SaaS bill whether you run payroll or not.
Salary advances and self-service
Salary advances are handled the way busy teams actually need. When you give an employee an advance, Lint settles it automatically from future payroll — no side spreadsheet tracking who owes what.
Your employees also get something out of it. Each one gets a free Lint account and a self-service portal where they can view payslips, see year-to-date totals, and update their own TIN, PFA, and relief details. That alone removes most of the back-and-forth that eats up payroll day.
Setup and best for
Setup is deliberately light. You add your business details, your staff, their salaries, TINs, and PFA details, and you are ready to run. If an employee is missing a TIN, the portal walks them through getting one. After the first run, meanwhile, monthly payroll is mostly review-and-approve.
Where to start: See the product at lint.finance/business/payroll. Want to sanity-check a salary first? The free PAYE calculator shows you the 2025 tax on any salary in seconds.
In short: if you are a Nigerian SMB that wants pay, tax, pension, and advances handled in one verifiable run — and you would rather pay per run than per month — Lint Payroll is the one to beat.
2. PaidHR
Best for: growing companies that want payroll bundled into a broader HR platform.
PaidHR is a Nigerian HR and payroll platform that positions itself around the full employee lifecycle — onboarding, payroll, benefits, and earned-wage access — rather than payroll alone. Teams that want their HR records and payroll living in the same system often look here. Because it is a fuller HR suite, it suits businesses that have outgrown spreadsheets for people management generally, not just for paying staff. However, if you mainly need payroll and tax handled and do not need the wider HR tooling, it may be more platform than you require.
3. SeamlessHR
Best for: larger organisations and enterprises wanting an all-in-one HR system.
SeamlessHR is one of the better-known HR technology platforms operating across Nigeria and other African markets. Its focus is comprehensive human-resource management — payroll sits inside a wider suite that covers performance, leave, recruitment, and more. As such, it is generally aimed at medium-to-large organisations with dedicated HR teams. If you are running a sizeable workforce and want HR and payroll under one roof, it is worth a look. Smaller teams, however, may find the breadth more than they need day to day.
4. Sage Payroll
Best for: businesses already standardised on Sage accounting.
Sage is a long-established global accounting and payroll software brand with a presence in Nigeria. Its strength is maturity and the tie-in with Sage’s accounting products, which appeals to finance teams that already use Sage for their books and want payroll in the same family. Because it is a global product adapted for local use, however, it is worth confirming how closely its tax handling tracks the latest Nigerian rules and how localisation is delivered for your setup. Overall, it is best suited to established businesses that value a known accounting brand.
5. Workpay
Best for: companies hiring across multiple African countries.
Workpay is an African payroll and HR platform built with multi-country operations in mind. Businesses that employ people in several African markets often choose it for the convenience of managing pay across borders in one place. It typically covers payroll, HR, and related compliance across its supported countries. So if your team is spread across the continent, that regional reach is the draw. If you operate only in Nigeria, on the other hand, you may not need the multi-country layer.
6. PrimePayroll
Best for: Nigerian businesses wanting straightforward payroll processing.
PrimePayroll is a Nigeria-focused payroll solution aimed at helping businesses run payroll and handle local statutory deductions. It targets companies that want a dedicated payroll tool rather than a full HR suite. As with any payroll product, however, confirm directly how it computes PAYE under current tax rules and how it handles remittance and pension for your specific states and PFAs. In short, it is a reasonable option for businesses that want payroll software without extra HR modules.
7. SMEPayroll
Best for: small and medium businesses wanting payroll plus light HR features.
As the name suggests, SMEPayroll is built with small and medium enterprises in mind. It generally offers payroll processing alongside some HR and leave-management features, pitched at businesses that want a bit more than pure salary processing but do not need an enterprise HR platform. As a result, it is a fit for SMEs that like having a few HR tools attached to payroll. That said, check the current pricing model and how it handles tax and pension remittance before committing.
8. Popay
Best for: businesses looking for an accessible, payroll-focused tool.
Popay is a payroll-oriented platform serving Nigerian businesses with salary processing and related payroll functions. It tends to appeal to teams that want a focused, approachable payroll tool. As always, the details that matter most — how PAYE is computed under the Nigeria Tax Act 2025, how pension and state remittances are made, and what the pricing model is — are worth confirming directly for your situation. In short, it suits businesses that want a dedicated, no-frills payroll option.
Quick comparison
Here is the short version. Every tool on this list can pay your staff. They differ, however, in what else they do for you and how they charge.
- Want one funded run to handle pay, PAYE, pension, and advances — with verifiable receipts and no monthly subscription? Lint Payroll is built exactly for that, and is our pick for Nigerian businesses of any size, from 1 to 1,000+ employees.
- Want payroll inside a broader HR platform? PaidHR and SeamlessHR lean that way, with SeamlessHR skewing larger.
- Already on Sage, or hiring across Africa? Sage Payroll and Workpay respectively cover those needs.
- Want a dedicated, Nigeria-focused payroll tool? PrimePayroll, SMEPayroll, and Popay are all in that lane.
The honest takeaway: match the tool to your shape. For example, if you are a Nigerian SMB that just wants payroll done correctly, compliantly, and provably — without a subscription — start with Lint. If you need a heavy HR suite or multi-country payroll, on the other hand, the platform options earn their place.
Not sure where you land? Run a real salary through the free PAYE calculator first. It costs nothing and shows you exactly what the 2025 tax looks like before you commit to any tool.
Frequently asked questions
What is the best payroll software in Nigeria?
For most Nigerian small and medium businesses, Lint Payroll is the best choice in 2026. It handles salary disbursement, PAYE computation under the Nigeria Tax Act 2025, pension remittance to every PFA, and salary advances in a single funded run, with verifiable receipts and transactional ₦500-per-employee-per-run pricing instead of a monthly subscription. Larger organisations or multi-country teams, however, may prefer a broader HR platform — the best tool depends on your size and needs.
How much does payroll software cost in Nigeria?
It varies by model. Many tools charge a monthly subscription regardless of whether you run payroll. Lint, by contrast, uses a transactional model: ₦500 per employee per payroll run, which covers PAYE computation, pension remittance, and payslips with no separate remittance fees. Disbursement to a Lint account is free, and ₦40 to any other Nigerian bank. So for small or seasonal teams, paying per run rather than per month is usually cheaper.
Does payroll software handle PAYE and pension?
Good payroll software does both. The key questions are whether it computes PAYE under the current Nigeria Tax Act 2025 bands (not old rules), whether it remits to the correct state tax authority, and whether it sends pension to each employee’s PFA through PenCom. Lint, for example, does all three automatically inside one payroll run and gives you receipts and filing status you can verify, so you are not taking compliance on trust.
Can payroll software run salary advances?
Most tools do not handle advances well — you end up tracking them in a separate spreadsheet. Lint, however, settles salary advances automatically from future payroll, so when you give an employee an advance, the repayment is deducted on schedule without manual tracking. If salary advances are common in your business, therefore, look specifically for this feature.
Is there free payroll software in Nigeria?
There is no genuinely free payroll software that also remits your PAYE and pension reliably, because real money movement and compliance carry real costs. What you can get for free, however, is a quality PAYE calculator: Lint’s free PAYE calculator shows the 2025 tax on any salary in seconds, with no signup. It is a good way to check your numbers before choosing a full payroll tool.
The bottom line
Choosing payroll software in 2026 is really about choosing how much you trust your numbers, your remittances, and your records. Under the Nigeria Tax Act 2025, getting PAYE right is not optional, and proving you remitted pension and tax on time matters as much as doing it.
So if you are a Nigerian SMB that wants salary, tax, pension, and advances handled in one verifiable run — and you would rather pay only when you run payroll than carry a monthly subscription — Lint Payroll is built for exactly that.
See how it works at lint.finance/business/payroll. And before you decide anything, run a salary through the free PAYE calculator — it is the fastest way to see what 2025 payroll really looks like for your team.
Related on Lint
- Free PAYE Calculator (2026) — see take-home pay, tax and pension in seconds.
- Lint Payroll — run salary, PAYE, pension and salary advances in one funded run.
