J2Commerce · Nigeria

Accept Kuda
payments on J2Commerce

Install the free PaymentHood plugin for J2Commerce, connect your Kuda account, and Kuda appears as a payment option at checkout. No custom gateway code, and no second integration when you add another provider later.

  • NGN
Joomla 4.0+
2 payment methods
Free plugin
J2Commerce
Kuda
Platform
Joomla 4.0+
Provider
Kuda
Install via
Extensions → Manage → Install
Billing
One-time
PaymentHood fee
None
Compatibility

Kuda on J2Commerce at a glance

Joomla version
Joomla 4.0+
Where you install it
Joomla admin → Extensions → Manage → Install
Coverage
  • Nigeria
Currencies
  • NGN
Billing models
One-time checkout payments. Recurring billing is not supported by the J2Commerce plugin yet.
Cost
The plugin is free and open source. You pay Kuda's own fees, published on their pricing page (opens in new tab). PaymentHood adds nothing on top.

Coverage, currencies and payment methods as published by Kuda, who set and update them. For the current list see Kuda's own documentation (opens in new tab).

Payment methods

What J2Commerce customers can pay with

Each method Kuda supports appears in your J2Commerce checkout. Enabling one is a PaymentHood dashboard setting — nothing changes on the Joomla side.

Virtual accounts

A dedicated account number per customer or per transaction

Bank transfer

Collection and instant settlement over Nigerian bank rails

Setup

Connect Kuda to J2Commerce

Four steps, no code. The full walkthrough with screenshots is in the J2Commerce installation guide.

1

Open a Kuda account

Register with Kuda and finish their onboarding. Funds settle from Kuda to your own bank account.

2

Add it in PaymentHood

Paste your Kuda credentials into the PaymentHood dashboard. They stay server-side and never reach your storefront.

3

Install the plugin

Download the J2Commerce plugin and install it from Extensions → Manage → Install in your Joomla admin.

4

Enable and test

Paste your PaymentHood API key into the plugin settings, run a sandbox order end to end, then switch to live.

Why PaymentHood

Rather than a direct Kuda plugin

A single-provider plugin works until you need a second provider. These are the parts you would otherwise build and maintain yourself.

Webhook security
Signed credit notification, validated before an order is released
Payment verification
Server-side transaction confirmation before fulfilment
Credentials
API key and client credentials, held server-side in PaymentHood
  • Add a second provider without touching your J2Commerce checkout
  • Automatic failover when Kuda is unreachable, instead of a failed order
  • Idempotent charge creation, so a double-submitted order is not a double charge
  • One reconciliation view across every provider you run
  • Free and open source — read the plugin on GitHub (opens in new tab)
FAQ

Frequently Asked Questions

No — and this is the thing to get straight before choosing it. The Kuda Open API is built around bank transfers and virtual accounts, not card acquiring. If you need cards, pair it with a card provider; behind PaymentHood both run through one checkout.

Collections and payouts over Nigerian bank rails, with a real banking licence behind them. Virtual accounts per customer make reconciliation straightforward, which is why it suits recurring collections and marketplace payouts.

Card penetration is lower than transfer usage, and card declines are common. A checkout offering a one-time virtual account number — the customer transfers from any bank app and the payment confirms in seconds — will convert materially better than one offering cards alone. It is the single most important local method to enable.

No. Kuda bills you directly for its own fees, and PaymentHood takes no percentage and no per-transaction cut at any volume. See PaymentHood pricing.

Accept Kuda on J2Commerce today

Free plugin, no PaymentHood transaction fee, and room to add another provider whenever you need one.