Edited to loop in @saosimeon1, replied to the wrong message.
Hi, as @spokentwice, rightly said it depends on your specific business. Even payments is a broad answer with various applicable licences e.g payment aggregator, switch, mobile money etc
Generally minimum share capital ranges from N2million to N25 billion. Again depending on the licence you need, your share capital may need to be fully paid up (i.e. have all the money deposited with a regulator) or partially paid up, in which case all you'll be paying are CAC fees and Stamp duties.
Again depending on your industry regulator (if your payment technology, for example, needs an NCC licence), there may be other fees to be paid.
To get a relevant answer, I'll suggest you speak with a professional who can do you a researched opinion on the specific licences you need for your technology. The financial industry is a heavily regulated one, so there is no "one size fits all" answer.