As of my last knowledge update in January 2024, I can provide some general advice on popular and effective online payment channels for e-commerce in Nigeria based on historical trends.

In Nigeria, a diverse range of online payment options is crucial due to varying customer preferences and the need to address challenges such as limited access to traditional banking services. Here are some potential online payment channels to consider:

1. Integrate Local Payment Gateways:

Utilize local payment gateways that are well-established and trusted in Nigeria. Examples include Paystack, Flutterwave, and Interswitch WebPay. These platforms support various payment methods, including cards, bank transfers, and mobile payments.

2. Mobile Money:

Leverage the popularity of mobile money services in Nigeria. Providers like MTN Mobile Money, Airtel Money, and Paga allow customers to make payments using their mobile phones. Ensure that your e-commerce platform integrates seamlessly with these mobile money services.

3. Bank Transfers:

Offer bank transfer options for customers who prefer direct transactions from their bank accounts. Provide clear instructions and ensure that the payment process is straightforward to encourage trust.

4. Cryptocurrency Payments:

Explore the option of accepting cryptocurrency payments. Cryptocurrencies like Bitcoin and Ethereum are gaining popularity as alternative payment methods. Consider integrating cryptocurrency payment gateways that facilitate seamless transactions.

5. Debit/Credit Cards:

Include standard debit and credit card payments as a part of your online payment options. Visa and MasterCard are widely used, so ensure that your e-commerce platform supports card payments securely.

7. USSD (Unstructured Supplementary Service Data):

USSD codes are a popular payment method in Nigeria, especially for customers without smartphones. Integrate USSD payment options that allow customers to make transactions using simple codes on their mobile devices.

8. e-Wallets:

Consider incorporating e-wallets such as PayPal and others that are widely used globally. While the adoption of e-wallets in Nigeria is growing, it's essential to offer a mix of options to cater to various customer preferences.

9. Peer-to-Peer Payment Apps:

Explore the use of peer-to-peer payment apps like Venmo or local alternatives that facilitate easy fund transfers. Integrating these apps into your payment options can provide convenience to users.

10. Multi-Currency Support:

If your e-commerce business caters to an international audience, consider offering multi-currency support. This allows customers to make purchases in their preferred currency, enhancing the user experience.

11. Security Measures:

Regardless of the payment channels you choose, prioritize security. Implement SSL certificates, two-factor authentication, and other security measures to protect customer data and build trust.

Always stay updated on the latest trends and regulations in the Nigerian e-commerce and payment landscape to adapt your payment strategy accordingly. Consult with local experts and payment service providers for the most accurate and current information as the year goes.