The study investigates the effect of cashless payment system on financial inclusion in Nigeria. Secondary data from year 2010 till 2023 on variables of interest were collected and were analysed using quantitative analysis. Volume of point-of-sale systems in the banks, Volume of Web-Based Transactions in the banking industry, Number of ATM Machines available, number of account holders, rate of usage of bank account all these were used as the independent variables while financial inclusion which was proxied by the number of commercial banks branches in rural area and the total number of commercial bank branches in the country. Quantitative analysis was used to analyse the data. The Auto-regressive Distributed Lag was precisely employed and the result showed that only point of sale volume and web-based transaction have the most significant impact on financial inclusion in Nigeria. Findings indicate that Automated Teller Machines was unable to exert significant impact on financial inclusion. It s recommend that government should reinforce pint of sae transaction as ell as web based transaction among the populace in order to continue to achieve massive financial inclusion in Nigeria.