POS Agent Business Calculator Nigeria — Revenue & Profit Estimator

A busy POS agent handling 50–100 transactions per day can gross ₦3,000–₦10,000 daily from transaction fees. After deducting float interest costs, terminal rental, airtime, and other expenses, net profit typically ranges from ₦1,500–₦6,000 per day. Location is crucial — high-traffic areas (markets, bus stops) earn significantly more.

CBN guidelines cap POS transaction fees at ₦100 per transaction for withdrawals. Agents typically charge ₦100 for transactions up to ₦20,000, and ₦200 for ₦20,001–₦50,000. Some agents charge 1–1.5% of transaction value. Transfer fees range from ₦50–₦100 per transaction.

Key costs include: terminal rental or purchase (₦15,000–₦50,000 one-time or ₦3,000–₦5,000/month), float (working capital you keep on hand — typically ₦100,000–₦500,000), airtime/data for receipts, shop rent or space cost, and the opportunity cost of your float capital (interest forgone).

Major POS agent banking providers include: Opay (OPay agents), Moniepoint (widely popular), Palmpay, FirstMonie (First Bank), GTBank, UBA, Zenith Bank, and many fintechs. Compare terminal fees, settlement speed, customer support, and the network reach in your target area before choosing.