diff --git a/PayBridge.SDK/Dtos/PaymentGatewayConfig.cs b/PayBridge.SDK/Dtos/PaymentGatewayConfig.cs
index 616c485..dae6b64 100644
--- a/PayBridge.SDK/Dtos/PaymentGatewayConfig.cs
+++ b/PayBridge.SDK/Dtos/PaymentGatewayConfig.cs
@@ -16,6 +16,7 @@ public class PaymentGatewayConfig
     public SquadConfig Squad { get; set; } = new();
     public KorapayConfig Korapay { get; set; } = new();
     public InterswitchConfig Interswitch { get; set; } = new();
+    public RemitaConfig Remita { get; set; } = new();
 }
 
 public class PaystackConfig
@@ -105,3 +106,11 @@ public class InterswitchConfig
     /// </summary>
     public bool IsSandbox { get; set; } = false;
 }
+
+public class RemitaConfig
+{
+    public string MerchantId { get; set; } = string.Empty;
+    public string ServiceTypeId { get; set; } = string.Empty;
+    public string ApiKey { get; set; } = string.Empty;
+    public bool IsSandbox { get; set; } = true;
+}
diff --git a/PayBridge.SDK/Enums/PaymentGatewayType.cs b/PayBridge.SDK/Enums/PaymentGatewayType.cs
index b146521..6de06d3 100644
--- a/PayBridge.SDK/Enums/PaymentGatewayType.cs
+++ b/PayBridge.SDK/Enums/PaymentGatewayType.cs
@@ -57,5 +57,10 @@ public enum PaymentGatewayType
     /// <summary>
     /// Interswitch payment gateway (Nigeria - Quickteller / Webpay)
     /// </summary>
-    Interswitch = 10
+    Interswitch = 10,
+
+    /// <summary>
+    /// Remita payment gateway (Nigeria)
+    /// </summary>
+    Remita = 11
 }
\ No newline at end of file
diff --git a/PayBridge.SDK/Externsions/IServiceCollectionExtensions.cs b/PayBridge.SDK/Externsions/IServiceCollectionExtensions.cs
index b741f13..57382d1 100644
--- a/PayBridge.SDK/Externsions/IServiceCollectionExtensions.cs
+++ b/PayBridge.SDK/Externsions/IServiceCollectionExtensions.cs
@@ -3,6 +3,7 @@
 using Microsoft.Extensions.DependencyInjection;
 using PayBridge.SDK.Application.Dtos;
 using PayBridge.SDK.Enums;
+using PayBridge.SDK.Gateways;
 using PayBridge.SDK.Interfaces;
 
 namespace PayBridge.SDK;
@@ -135,6 +136,7 @@ private static void RegisterGateways(IServiceCollection services, PaymentGateway
             services.AddScoped<KorapayGateway>();
             services.AddScoped<IPaymentGateway>(sp => sp.GetRequiredService<KorapayGateway>());
             services.AddScoped<InterswitchGateway>();
+            services.AddScoped<RemitaGateway>();
             return;
         }
 
@@ -174,6 +176,9 @@ private static void RegisterGateways(IServiceCollection services, PaymentGateway
 services.AddScoped<InterswitchGateway>();
 services.AddScoped<IPaymentGateway>(sp => sp.GetRequiredService<InterswitchGateway>());
                     break;
+                case PaymentGatewayType.Remita:
+                    services.AddScoped<RemitaGateway>();
+                    break;
             }
         }
     }
diff --git a/PayBridge.SDK/Factories/PaymentGatewayFactory.cs b/PayBridge.SDK/Factories/PaymentGatewayFactory.cs
index 9d1ba7a..e848118 100644
--- a/PayBridge.SDK/Factories/PaymentGatewayFactory.cs
+++ b/PayBridge.SDK/Factories/PaymentGatewayFactory.cs
@@ -2,6 +2,7 @@
 using Microsoft.Extensions.Logging;
 using PayBridge.SDK.Application.Dtos;
 using PayBridge.SDK.Enums;
+using PayBridge.SDK.Gateways;
 using PayBridge.SDK.Interfaces;
 
 namespace PayBridge.SDK;
@@ -45,6 +46,7 @@ public Dictionary<PaymentGatewayType, IPaymentGateway> CreateGateways()
             TryAddGateway(gateways, PaymentGatewayType.Squad);
             TryAddGateway(gateways, PaymentGatewayType.Korapay);
             TryAddGateway(gateways, PaymentGatewayType.Interswitch);
+            TryAddGateway(gateways, PaymentGatewayType.Remita);
         }
         else
         {
@@ -88,6 +90,7 @@ private void TryAddGateway(Dictionary<PaymentGatewayType, IPaymentGateway> gatew
                 PaymentGatewayType.Squad => _serviceProvider.GetService<SquadGateway>(),
                 PaymentGatewayType.Korapay => _serviceProvider.GetService<KorapayGateway>(),
                 PaymentGatewayType.Interswitch => _serviceProvider.GetService<InterswitchGateway>(),
+                PaymentGatewayType.Remita => _serviceProvider.GetService<RemitaGateway>(),
                 _ => null
             };
 
diff --git a/PayBridge.SDK/Gateways/RemitaGateway.cs b/PayBridge.SDK/Gateways/RemitaGateway.cs
new file mode 100644
index 0000000..877804c
--- /dev/null
+++ b/PayBridge.SDK/Gateways/RemitaGateway.cs
@@ -0,0 +1,223 @@
+using System.Net.Http.Headers;
+using System.Security.Cryptography;
+using System.Text;
+using System.Text.Json;
+using Microsoft.Extensions.Logging;
+using PayBridge.SDK.Application.Dtos;
+using PayBridge.SDK.Application.Dtos.Request;
+using PayBridge.SDK.Dtos.Request;
+using PayBridge.SDK.Dtos.Response;
+using PayBridge.SDK.Enums;
+using PayBridge.SDK.Exceptions;
+using PayBridge.SDK.Interfaces;
+
+namespace PayBridge.SDK.Gateways;
+
+/// <summary>
+/// Remita payment gateway implementation for Nigerian payments.
+/// Supports government, corporate, and retail payments via Remita's API.
+/// </summary>
+public class RemitaGateway : IPaymentGateway
+{
+    private readonly PaymentGatewayConfig _config;
+    private readonly HttpClient _httpClient;
+    private readonly ILogger<RemitaGateway> _logger;
+
+    private const string LiveBaseUrl = "https://login.remita.net/remita";
+    private const string SandboxBaseUrl = "https://remitademo.net/remita";
+    private const string TxRefPrefix = "REM_";
+
+    public RemitaGateway(
+        PaymentGatewayConfig config,
+        IHttpClientFactory httpClientFactory,
+        ILogger<RemitaGateway> logger)
+    {
+        _config = config ?? throw new ArgumentNullException(nameof(config));
+        _httpClient = httpClientFactory.CreateClient(nameof(RemitaGateway));
+        _logger = logger ?? throw new ArgumentNullException(nameof(logger));
+    }
+
+    public PaymentGatewayType GatewayType => PaymentGatewayType.Remita;
+
+    private string BaseUrl => _config.Remita.IsSandbox ? SandboxBaseUrl : LiveBaseUrl;
+
+    /// <summary>
+    /// Generates Remita API hash: SHA512(merchantId + serviceTypeId + orderId + amount + apiKey)
+    /// </summary>
+    private string GenerateHash(string orderId, decimal amount)
+    {
+        var amountKobo = (long)(amount * 100);
+        var raw = $"{_config.Remita.MerchantId}{_config.Remita.ServiceTypeId}{orderId}{amountKobo}{_config.Remita.ApiKey}";
+        var bytes = SHA512.HashData(Encoding.UTF8.GetBytes(raw));
+        return Convert.ToHexString(bytes).ToLower();
+    }
+
+    public async Task<PaymentResponse> CreatePaymentAsync(PaymentRequest request)
+    {
+        try
+        {
+            var txRef = $"{TxRefPrefix}{Guid.NewGuid():N}";
+            var hash = GenerateHash(txRef, request.Amount);
+            var authToken = Convert.ToBase64String(
+                Encoding.UTF8.GetBytes($"{_config.Remita.MerchantId}:{_config.Remita.ApiKey}:{hash}"));
+
+            _httpClient.DefaultRequestHeaders.Clear();
+            _httpClient.DefaultRequestHeaders.TryAddWithoutValidation("Authorization",
+                $"remitaConsumerKey={_config.Remita.MerchantId},remitaConsumerToken={authToken}");
+            _httpClient.DefaultRequestHeaders.TryAddWithoutValidation("Content-Type", "application/json");
+            _httpClient.DefaultRequestHeaders.TryAddWithoutValidation("Accept", "application/json");
+
+            var payload = new
+            {
+                serviceTypeId = _config.Remita.ServiceTypeId,
+                amount = (long)(request.Amount * 100),
+                orderId = txRef,
+                payerName = request.CustomerName ?? string.Empty,
+                payerEmail = request.CustomerEmail,
+                payerPhone = request.CustomerPhone ?? string.Empty,
+                description = request.Description ?? "Payment",
+                currency = request.Currency ?? "NGN"
+            };
+
+            var content = new StringContent(JsonSerializer.Serialize(payload), Encoding.UTF8, "application/json");
+            var response = await _httpClient.PostAsync(
+                $"{BaseUrl}/exapp/api/v1/send/api/echannelsvc/merchant/api/paymentinit", content);
+
+            var responseBody = await response.Content.ReadAsStringAsync();
+            _logger.LogDebug("Remita initiate response: {Body}", responseBody);
+
+            var doc = JsonDocument.Parse(responseBody);
+            var root = doc.RootElement;
+            var statusCode = root.TryGetProperty("statuscode", out var sc) ? sc.GetString() : null;
+
+            if (statusCode != "025")
+            {
+                var msg = root.TryGetProperty("status", out var s) ? s.GetString() : "Unknown error";
+                return new PaymentResponse
+                {
+                    Success = false,
+                    Message = $"Remita payment initiation failed: {msg}",
+                    Status = PaymentStatus.Failed
+                };
+            }
+
+            var rrr = root.TryGetProperty("RRR", out var rrrProp) ? rrrProp.GetString() : string.Empty;
+            var checkoutUrl = _config.Remita.IsSandbox
+                ? $"https://remitademo.net/remita/ecomm/finalize.reg?merchantId={_config.Remita.MerchantId}&hash={hash}&RRR={rrr}"
+                : $"https://login.remita.net/remita/ecomm/finalize.reg?merchantId={_config.Remita.MerchantId}&hash={hash}&RRR={rrr}";
+
+            return new PaymentResponse
+            {
+                Success = true,
+                TransactionReference = txRef,
+                CheckoutUrl = checkoutUrl,
+                Message = "Payment initiated successfully",
+                Status = PaymentStatus.Pending,
+                GatewayResponse = new Dictionary<string, string> { ["RRR"] = rrr ?? string.Empty }
+            };
+        }
+        catch (Exception ex)
+        {
+            _logger.LogError(ex, "Error initiating Remita payment");
+            throw new PaymentGatewayException("Failed to initiate Remita payment", ex);
+        }
+    }
+
+    public async Task<VerificationResponse> VerifyPaymentAsync(string transactionReference)
+    {
+        try
+        {
+            var hash = GenerateHash(transactionReference, 0);
+
+            _httpClient.DefaultRequestHeaders.Clear();
+            _httpClient.DefaultRequestHeaders.TryAddWithoutValidation(
+                "Authorization",
+                $"remitaConsumerKey={_config.Remita.MerchantId},remitaConsumerToken={hash}");
+            _httpClient.DefaultRequestHeaders.TryAddWithoutValidation("Accept", "application/json");
+
+            var response = await _httpClient.GetAsync(
+                $"{BaseUrl}/exapp/api/v1/send/api/echannelsvc/{_config.Remita.MerchantId}/{transactionReference}/{hash}/orderstatus.reg");
+
+            var responseBody = await response.Content.ReadAsStringAsync();
+            _logger.LogDebug("Remita verify response: {Body}", responseBody);
+
+            var doc = JsonDocument.Parse(responseBody);
+            var root = doc.RootElement;
+
+            // Remita status: "01" = successful, "02" = processing, others = failed
+            var status = root.TryGetProperty("status", out var st) ? st.GetString() : null;
+            var amount = root.TryGetProperty("amount", out var am) ? am.GetDecimal() / 100m : 0m;
+
+            var paymentStatus = status == "01" ? PaymentStatus.Successful
+                : status == "02" ? PaymentStatus.Pending
+                : PaymentStatus.Failed;
+
+            return new VerificationResponse
+            {
+                Success = status == "01",
+                TransactionReference = transactionReference,
+                Amount = amount,
+                Currency = "NGN",
+                Status = paymentStatus,
+                Message = paymentStatus == PaymentStatus.Successful ? "Payment verified successfully" : "Payment not completed",
+                GatewayResponse = new Dictionary<string, string> { ["status"] = status ?? string.Empty }
+            };
+        }
+        catch (Exception ex)
+        {
+            _logger.LogError(ex, "Error verifying Remita payment: {Ref}", transactionReference);
+            throw new PaymentGatewayException("Failed to verify Remita payment", ex);
+        }
+    }
+
+    public async Task<RefundResponse> RefundPaymentAsync(RefundRequest request)
+    {
+        try
+        {
+            var hash = GenerateHash(request.TransactionReference, request.Amount);
+
+            _httpClient.DefaultRequestHeaders.Clear();
+            _httpClient.DefaultRequestHeaders.TryAddWithoutValidation(
+                "Authorization",
+                $"remitaConsumerKey={_config.Remita.MerchantId},remitaConsumerToken={hash}");
+            _httpClient.DefaultRequestHeaders.TryAddWithoutValidation("Content-Type", "application/json");
+            _httpClient.DefaultRequestHeaders.TryAddWithoutValidation("Accept", "application/json");
+
+            var payload = new
+            {
+                merchantId = _config.Remita.MerchantId,
+                rrr = request.TransactionReference,
+                amount = (long)(request.Amount * 100),
+                reason = request.Reason ?? "Customer request"
+            };
+
+            var content = new StringContent(JsonSerializer.Serialize(payload), Encoding.UTF8, "application/json");
+            var response = await _httpClient.PostAsync(
+                $"{BaseUrl}/exapp/api/v1/send/api/echannelsvc/merchant/api/reversal", content);
+
+            var responseBody = await response.Content.ReadAsStringAsync();
+            _logger.LogDebug("Remita refund response: {Body}", responseBody);
+
+            var doc = JsonDocument.Parse(responseBody);
+            var root = doc.RootElement;
+
+            var statusCode = root.TryGetProperty("statuscode", out var sc) ? sc.GetString() : null;
+            var isSuccess = statusCode == "025" || statusCode == "00";
+
+            return new RefundResponse
+            {
+                Success = isSuccess,
+                RefundReference = request.TransactionReference,
+                TransactionReference = request.TransactionReference,
+                Amount = request.Amount,
+                Message = isSuccess ? "Refund initiated successfully" : "Refund failed",
+                Status = isSuccess ? PaymentStatus.Refunded : PaymentStatus.Failed
+            };
+        }
+        catch (Exception ex)
+        {
+            _logger.LogError(ex, "Error processing Remita refund: {Ref}", request.TransactionReference);
+            throw new PaymentGatewayException("Failed to process Remita refund", ex);
+        }
+    }
+}
diff --git a/PayBridge.SDK/Services/PaymentService.cs b/PayBridge.SDK/Services/PaymentService.cs
index 24b3190..caedd97 100644
--- a/PayBridge.SDK/Services/PaymentService.cs
+++ b/PayBridge.SDK/Services/PaymentService.cs
@@ -249,7 +249,7 @@ private PaymentGatewayType SelectBestGateway(PaymentRequest request)
         switch (request.Currency?.ToUpper())
         {
             case "NGN":
-                return ChooseAvailableGateway(PaymentGatewayType.Monnify, PaymentGatewayType.Squad, PaymentGatewayType.Korapay, PaymentGatewayType.Interswitch, PaymentGatewayType.Paystack, PaymentGatewayType.Flutterwave);
+                return ChooseAvailableGateway(PaymentGatewayType.Monnify, PaymentGatewayType.Squad, PaymentGatewayType.Korapay, PaymentGatewayType.Interswitch, PaymentGatewayType.Remita, PaymentGatewayType.Paystack, PaymentGatewayType.Flutterwave);
 
             case "KES":
             case "GHS":
@@ -342,6 +342,11 @@ private PaymentGatewayType DetermineGatewayFromReference(string transactionRefer
             return PaymentGatewayType.Korapay;
         }
 
+        if (transactionReference.StartsWith("REM_"))
+        {
+            return PaymentGatewayType.Remita;
+        }
+
         // Default to configured default gateway
         _logger.LogWarning("Could not determine gateway from reference: {Reference}", transactionReference);
         return _config.DefaultGateway;