Cleva vs Geegpay: Which is Best for Nigerian Creators?
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6 min read
Quick Verdict
Cleva is best for Twitch-only streamers (0.9% fee, USD ACH optimized)
Geegpay is best for multi-platform creators (0.8% fee, USD/GBP/EUR support)
Head-to-Head Comparison
Feature
Cleva
Geegpay
Deposit Fee
0.9% (max $20)
0.8% (min $1.5)
Currencies
USD only
USD, GBP, EUR
Withdrawal Speed
1-2 days
Same day
Setup Time
5 minutes
10-15 minutes
Verification
Instant - 24hrs
1-3 days
Virtual Card
$3/month
$2-3/month
Backing
Y Combinator
Private
Customer Support
Email
WhatsApp + Email
Detailed Breakdown
Cleva
Best for: Twitch streamers, USD-only income
Strengths:
Fastest setup (5 minutes)
Y Combinator backing (reliable)
Fee cap at $20 (great for large transfers)
Quick verification
Weaknesses:
USD only (no GBP/EUR)
Slightly higher fees (0.9% vs 0.8%)
No WhatsApp support
Geegpay
Best for: Multi-platform creators, global freelancers
Strengths:
Lowest fees (0.8%)
Multi-currency (USD/GBP/EUR)
Same-day withdrawals
WhatsApp support
Weaknesses:
Slower verification (1-3 days)
Minimum $1.5 fee (bad for small amounts)
Less established
Fee Examples: Real Numbers
Scenario 1: $1,000 Twitch Payment
Cleva: $1,000 - $9 = $991 (0.9%)
Geegpay: $1,000 - $8 = $992 (0.8%)
Winner: Geegpay saves $1
Scenario 2: $10,000 Twitch Payment
Cleva: $10,000 - $20 = $9,980 (fee capped at $20)
Geegpay: $10,000 - $80 = $9,920 (0.8%)
Winner: Cleva saves $60 (fee cap advantage)
Scenario 3: £500 Fiverr Payment (UK client)
Cleva: Not supported (USD only)
Geegpay: £500 - £4 = £496
Winner: Geegpay (only option)
Use Case Recommendations
✅ Choose Cleva if you:
Only stream on Twitch (USD payments)
Earn $5,000+ per month (fee cap benefit)
Want fastest setup and verification
Value Y Combinator backing/reliability
✅ Choose Geegpay if you:
Work on multiple platforms (Twitch + TikTok + freelance)
Receive payments in GBP or EUR
Earn under $5,000/month (lower flat fee)
Need same-day withdrawals
Prefer WhatsApp support
What About Payoneer?
Payoneer is the "old reliable" option with 1-3% fees. It's best for:
High earners ($10,000+/month) who prioritize reliability over fees
YouTube creators (YouTube's preferred partner)
People who value established track record (20+ years in business)
But for Nigerian creators earning under $10K/month, Cleva or Geegpay offer better value.
Final Recommendation
For most Nigerian streamers: Start with Cleva if you're Twitch-only, or Geegpay if you're multi-platform. Both are significantly cheaper than Payoneer and faster than traditional banks.
You can always sign up for both (no monthly fees unless you use virtual cards) and test which works better for your specific situation.