Every transaction tells a story of survival. Beneath Nigeria's ubiquitous PoS umbrellas and roadside kiosks lies an economy built on margins so thin they're almost invisible—yet these micro-entrepreneurs have quietly become the backbone of Nigeria's cash circulation. From ₦60,000 to over ₦200,000 monthly, PoS agent earnings reveal a stark truth about informal financial services: success depends not just on hustle, but on foot traffic, platform politics, and the daily grind of converting other people's convenience into personal income.
These agents bridge the gap between Nigeria's digital payment ambitions and its cash-dependent reality, one small transaction at a time.
Key Takeaways:
- Agents in high-traffic locations can process 50-60 transactions daily, whilst those in quieter areas struggle with significantly lower volumes
- Monthly earnings typically range from ₦60,000 to ₦199,000, with location and customer volume being the primary determining factors
- Different fintech platforms like PalmPay and Opay offer varying commission structures and fee models, affecting agent profitability
- Customer charges range from ₦100-₦250 per withdrawal, depending on transaction amount and location, creating a delicate balance between affordability and profit
