Geez! I am working on a site that is incorporating a Nigerian payment gateway for the first time and the client sends me 2 forms to fill out: checklist and setup form. Set up form is okay but the checklist made me feel like I was in medieval europe. Na so dem dey do una for there?

Check out a couple of the 65 questions asked, just to set up online payment:
1) What is the distance between the primary data center and the disaster/backup facility? Is the backup facility on a different power grid than the primary facility? Are the facilities served by the same or different telecommunications provider?

2) Are cryptographic techniques (encryption, digital signatures, key management etc) applied to electronically transmitted and stored data? Does your organization have a management system in place to oversee and protect the use of cryptographic techniques such as secret or public keys using a consistent, agreed upon set of standards, procedures and secure methods?

I mean, when I set up PayPal or other non-Nigerian online payment systems, I am "in and out" in 5 minutes or less. 65 questions? Are you kidding me? I immediately kicked the form back to the client asking him to fill it out, e jo.

So, am I going kolomental or is this what you guys have to go through as well? If so, no wonder it is difficult to legally set up businesses in Nigeria, generally speaking.

Well, the problem is if you make it too easy, the scammers would have a field day.

Maybe the encryption questions are being asked for people who store everything in plain text.

In the end, I'd still want to give up if I were in your position.