20 Best POS Machine In Nigeria With Low Charges

20 best POS Machine In Nigeria With Low Charges

Best POS Agent Banking Platforms In Nigeria

This is another agent banking service that deserves a place on the list of the 20 best POS agent banking platforms in Nigeria.

Here are the list of top best POS banking platforms in Nigeria that you can transact with:

Moniepoint. Moniepoint is a leading point of sale (POS) agent banking platform in Nigeria developed by TeamApt, a well-known fintech company. …

  • OPay
  • Paga
  • Ecobank Xpress Point
  • PalmPay
  • Quickteller Paypoint
  • Firstmonie
  • Access Closa
  • Bankly
  • Nomba (formerly Kudi)
  • Baxi Box
  • GT Express
  • SurePadi Agency Banking.
  • Zenith Bank Agent Banking
  • UnionDirect
  • UBA Monie
  • FCMB Agent Banking Services
  • Ecobank Xpress Point
  • Stanbic IBTC @ease Agency Banking Service
  • Keyserv Agency Banking Service
  • Heritage Bank Cornershop Agent Banking


OPay is a one-stop mobile-based platform for payments, transfers, loans, savings, and other essential services for every individual. Currently, OPay boasts over 35+ million registered app users and 500,000 agents in Nigeria.

It provides a range of digital financial services that make cashless payments and financial transactions easy, secure, and accessible. Opay POS machines are an affordable and convenient option for businesses looking to accept cashless payments. With 100% network uptime, you can make payments in seconds without transaction failure.

How to start up a business on OPay?

To start up your Opay POS business, you have to Download the OPay app from the Google Play Store or Apple App Store.

Sign in to your profile and upgrade your KYC status to level 3.

Sign up as an agent on the OPay Agent Portal before you can then apply for a POS machine.

Then, provide all the required information for approval. Once, you are approved, you can now earn commissions for transactions you make on the OPay merchant app.


Moniepoint is a community-based bank with its services powered by Moniepoint MFB Limited, a Microfinance bank duly licensed by the Central Bank of Nigeria (CBN).

How to start up a business on moniepoint?

You can become a Moniepoint POS Agent by visiting Moniepoint’s official website and fill out the registration form for Moniepoint agents such as your email address, phone number, and so on.

When, it is confirmed, and an agent will reach out to you after 48 hours of registration.
The Agent would provide you with information on what to do next, after which they would confirm you as an agent.
You can now log in to your Moniepoint POS dashboard to manage your account. OR

  • Create a business account and log in

Provide the required information and a business account will be created for you instantly. Once done, log in to your business dashboard

  • Click on the POS menu Request a “new POS“. Click on the Add a new POS button and follow the instructions
  • Fund your account and pay for the terminal

Fund your newly created Business Account with a minimum of ₦21,500 for the POS Terminal and complete the request. The ₦21,500 covers a ₦10,000 caution fee, ₦10,000 logistics fee, and ₦1,500 insurance fee for 1 year.

  • Get your POS delivered within 48 hours

You will be instantly assigned a dedicated Relationship Manager from Moniepoint. The Relationship Manager will deliver the POS terminal to you within 48 hours.


PalmPay is a mobile money operator launched in Nigeria in September 2019 that has earned a place on the list of best POS agent banking platforms in Nigeria.

It has a simple and secure payment app that gives users rewards when they transact on it. For instance, PalmPay offers users in Nigeria 10 percent cash back on airtime purchases and has bank transfer rates as low as ₦10 per transaction.

How to start up a business on Palmpay?

Download the PalmPartner app from the Google Play store and after the installation, launch the app and sign up for an account. If you already own a PalmPay account, you can log in using the registered phone number.

After you log in, provide details about yourself by filling out an application form and uploading your KYC documents. Now, you can start transacting business as a PalmPay agent.


Firstmonie is an agent banking business arm of First Bank of Nigeria Ltd. through which customers in unbanked or underbanked regions can process financial requests through registered Agents and existing businesses.

Firstmonie Agent banking is a channel used to bring financial services closer to the unbanked and underbanked segments of society by empowering existing businesses within the communities to deliver these services.

How To Become a Firstmonie Agent

Before you can become a Firstmonie agent, you must have the following minimum requirements:

  • An existing business
  • A visible and accessible business location
  • A valid means of identification (Voter’s card, national ID card, driver’s license, international passport)
  • BVN
  • A utility bill not more than three (3) months old
  • Business registration documentation for corporate bodies

Access Closa

Access Closa is an agent banking service of Access Bank that provides access to financial services right within your neighborhood without visiting a bank.

It has been authorized by the bank to process transactions quickly and easily via platforms such as Point-of-Sale (POS) terminals or Mobile Phones.

Services Offered by Access Closa Agents:

  • Cash deposits
  • Cash withdrawals
  • Funds transfer
  • Bill payments
  • Airtime purchase
  • Account opening

How To Become an Access Closa Agent

Before you can become an Access Closa agent, you must have the following minimum requirements:

  • Minimum working capital of ₦50,000
  • Valid identification – Voter’s card, Driver’s License, International Passport, National ID card
  • Utility bill
  • Business registration documents for corporate bodies

Also, see: How To Get AccessBank POS Machine In Nigeria


Paga is a leading mobile payment company in Nigeria founded in 2009, building an ecosystem to enable people to digitally send and receive money as well as creating simple financial access for everyone.

How to start up a business on Paga?

To become a POS agent, email service@mypaga.com or Log on to www.paga.com.

On the menu, select “Agent” a

Then, click on “Become an Agent” to get started.
Once you are done, one of Paga’s field representatives will contact you for further instructions on the onboarding process.

Also, see: How Much Is Baxi POS Machine In Nigeria

Quickteller Paypoint

Quickteller Paypoint is the trade name of Interswitch Financial Inclusive Services (IFIS). It is a utility bill payment and money service provided to businesses. The Quickteller Pay point service is available as an application and on Point-of-Sale machines it is provided at a cost while the software that runs it comes at no cost.

Benefits of Quicktell Paypoint Service

  • Access over 15 billion mobile money services from mobile network operators.
  • Minimal set-up cost when accessed via the application as it comes at no cost.
  • Agents earn a monthly commission on every transaction they make within the month.


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