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How To Get Palmpay POS Machine; Price Commission & Charges

Greetings and welcome to another exciting publication about Palmpay POS Services and Machines

Good day dear incoming Palmpay Agents and Merchants, this post is published at a crucial time when cities in Nigeria is seeking financial inclusion in the retail and banking sectors.

Though I will still share a table with it us, so that we can go through it and understand it very well, I will just point out the important key points.

Types of Palmpay POS and Prices:

  1. Android pos: 60,000
  2. Traditional/Linux/Button: 50,000

Targets On Each Palmpay POS:

Android: 50,000 daily
Traditional: 40,000 daily

You have to already have an office, shop, Kiosk, Umbrella stand before you can make the move to secure a Palmpay POS Machine/Terminal. In other words, Palmpay will not give you a pos device if you do not a physical location for your business.

Commission To Agents:

For every withdrawal, your agents do you will be getting a very little slice of profit.
No commission on deposits.
Agents that are dormant for 3days will be terminated and placed on the investigation.

Charges To Agents:

Breakdown of Palmpay’s ATM card withdrawal charges;

1k = 5 naira
2k = 10 naira
3k = 15 naira
4k = 20 naira
5k = 25 naira
6k = 30 naira
7k = 35 naira
8k = 40 naira
9k = 45 naira
10k = 50 naira
11k = 55 naira
12k = 60 naira
13k = 65 naira
14k = 70 naira
15k = 75 naira
16k = 80 naira
17k = 85 naira
18k = 90 naira
19k = 95 naira
20k = 100 naira
20k to 1 million naira = 100 naira

Deposit N10 flat rate.

How To Get A Pamlpay POS

There are some documents and personal and business details you will have to get ready at hand when you are ready to apply for the Palmpay POS.
You will have to apply through a PayPal aggregator also known as A Palmpay Business Manager. The following requirements are needed:

Date Of Birth:
Mobile Phone number:
Alternate Phone number:
ID card Number:
Business Address:
L. G. A on Utility bill:
Photo of the owner in front of shop:
Proof of commercial activity (photo of a Utility bill):
Passport Photograph:
Valid Id card(Government approved ID card e.g Voter’s Card NIMC National Identity card, International Passport, and Driver’s License:

Full name
Utility bill

NOTE!! The company will be responsible for any software damage on the Pos, whereby there’s hardware damage, the agent will pay for logistics and swapping.

By filling in and submitting these details, you have agreed to the Terms & Conditions.



Palmpay Agent POS Service Agreement



THIS AGENT POS SERVICE AGREEMENT (“Agreement”) is entered among PALMPAY LIMITED, a private limited company incorporated under the laws of the Federal Republic of Nigeria together with its parent, subsidiaries, successors, assignees and affiliates, (hereinafter referred to as “PalmPay”), ___________, a private limited company incorporated under the laws of the Federal Republic of Nigeria, (hereinafter referred to as “the Aggregator”) and ___________, the holder of National ID/International Passport/BVN No. ________________ (hereinafter referred to as “the Agent”);

PalmPay, the Aggregator, and the Agent are hereinafter jointly referred to as “Parties” and each a “Party”.


A. PalmPay is a mobile money operator (MMO) licensed by the Central Bank of Nigeria (CBN) to provide mobile payment solutions and value-added services to individuals and businesses.

B. PalmPay, through partnership with a payment terminal service provider (PTSP) licensed by the Central Bank of Nigeria (CBN), develop and deploy a payment solutions application that will run on NIBSS certified android point of sale terminals (the “POS Terminals”), and provide payment terminals and value-added services to a wide range of customers including institutions, corporate bodies, and individuals.

C. PalmPay is licensed by the Nigerian Communications Commission (NCC) to undertake sales and installation of terminal devices.

D. The Aggregator is authorized by PalmPay to promote the deployment and service of the POS Terminal in the designated region and assist to improve the on-boarding experience.

E. The Agent requires PalmPay to provide it with a Point of Sale (POS) Terminal for the acceptance of electronic cards for the receipt of payment from their customers for agency banking and bill payment services.

F. The Parties now wish to enter into this Agreement to set forth the terms and conditions which will govern the relationship in the use of the terminals.

NOW THEREFORE, in consideration of the mutual covenants and promises hereinafter set forth, the Parties agree as follows:


In this Agreement:

1.1 “Card” means an electronic card either debit, credit, prepaid or a combination (of the two or three variants in one) issued by Nigerian banks;

1.2 “Cardholder” means the owner of the electronic card presented for use on the POS terminal;

1.3 “Hotlist” means the list containing the information on missing, stolen, expired, invalid, canceled or disabled Electronic Debit, Credit or Prepaid card;

1.4 “Agent” means the business or principal which is provided with a POS terminal for accepting payments by means of card;

1.5 “Issuing bank” is the cardholders’ bank which has agreed to credit the acquiring bank on behalf of its Agent for successful transaction;

1.6 “PIN” means a personal identification number inputted or formulated by the cardholder for use on POS;

1.7 “Point of Sale Terminal” or “POS” means the machine used for Electronic Funds Transfer transaction;

1.8 “Palmpay Agent Account” means the mobile money account used for PalmPay Agent’s provision of permissible services from each outlet;

1.9 “Transaction Fees” means the fees payable by the Agent every time an electronic cash value is successfully completed using an electronic payment card;

1.10 “Transfer” means the process by which electronic cash value is transferred from an electronic payment card to another electronic card or account and the terms “Transferring” and “Transferred” shall be construed in like manner.


This Agreement shall commence on the Effective Date and shall remain in force for a period of 1 (one) years (Term); and shall automatically renew and extend for an additional 1 (one) year term commencing at the conclusion of the current term unless otherwise terminated in accordance with Clause 12 of this Agreement.


The Agent shall:

3.1 The Agent shall ensure proper and safe upkeep of the POS terminal.

3.2 The Agent shall not discriminate against any Cardholder who presents his/her card for agency banking and bill payment services except in cases of suspicion of fraud.

3.3 The Agent shall bear responsibility and liability for all local, state and federal government taxes due on its transactions.

3.4 The Agent shall honor all valid cards regardless of the issuing bank.

3.5 The Agent shall ensure the POS display the amount to be authorised on the screen requesting PIN entry, so that the customer can see the amount being paid before authorization.

3.6 The Agent shall not misuse, damage, alter, and attempt to alter or tamper with the POS.

3.7 The Agent shall not disclose to any third party the fees charged by the PalmPay on their POS transactions unless required by law or regulatory agencies and the Agent is obliged to inform PalmPay of any such disclosure.

3.8 For transactions of N100,000.00 (One Hundred Thousand Naira) and above, the Agent shall ensure that cardholder presents a valid form of identification such as Driver’s license, International passport or other forms of Identification accepted by law before accepting a cardholder’s payment card.

3.9 The Agent shall in addition to 3.8 above, request, document the cardholder’s name; means of identification; telephone number and address and make photocopies of the cardholder’s mean of identification for all transactions of N100,000.00 (One Hundred Thousand Naira) and above.

3.10 The Agent shall ensure that cardholders signs both receipts generated by POS terminal and shall compare with the signature behind the cardholder’s card. If the signature does not correspond, the Agent should not provide service to the cardholder and promptly notify PalmPay immediately.

3.11 The Agent should reject any unsigned electronic payment card for POS transactions.

3.12 The Agent report all suspicious transactions to PalmPay not later than 24 hours or the next working day.

3.13 The Agent shall check card security features prior to completing any transaction. Such checks shall include but not be limited to comparing card number on the card with the card number on the POS receipt or voucher.

3.14 The Agent shall compare the last four digits of the card number and name on the card with number printed by the POS terminal if the number differs, the Agent shall contact PalmPay immediately and should not release services to the cardholder.

3.15 The Agent shall ensure that card transactions are performed in a secure environment ensuring that the “card never leaves sight of cardholder” rule is strictly observed. Non-compliance with this will trigger the immediate cancellation of the Agreement and responsibility is passed to the Agent in case of fraud on the card(s).

3.16 In the event of a valid fraudulent transaction claim, the Agent would be charged 105% of the value of the claim if the Agent is found to be negligent in the area of enforcing cardholder identification at the point of receiving the cardholder’s payment card to be used on the POS terminal.

3.17 In the event of a valid fraudulent transaction claim, if the Agent is found to have connived with the perpetrator(s), the Agent would be charged 200% of the value of the claim, reported to the law enforcement agencies and/or blacklisted from POS transactions by regulatory authorities.

3.18 The Agent agrees to be responsible for all the actions of the principal and all its employees including fraudulent acts or omissions.

3.19 The Agent has consented to discretionary use of transaction and other Agent information obtained by Palmpay.

3.20 PalmPay may freeze the Agent’s Palmpay Agent and/or Palmpay account in an event where a fraudulent POS transaction is reported on the POS terminal deployed to the Agent’s location.


PalmPay shall:

4.1 provide the POS Terminals to PTSP for the development of the payment solutions application;

4.2 develop the payment solutions application for the POS Terminals;

4.3 be responsible for the software maintenance of the POS Terminals;

4.4 facilitate the acquisition of a terminal ID from the acquiring bank and advice PTSP in batches for configuration of the POS Terminals;

4.5 offer other support services for efficient and effective operation of this Agreement; and

4.6 be responsible for providing technical support to terminal users at the expense of the Agent.

4.7 ensure all POS terminals procured by PalmPay are compliant with minimum POS specifications.

4.8 cover the costs of repairs and replacements of parts for malfunction and damage of terminals caused by PalmPay.


The Aggregator shall:

5.1 Promote the deployment and service of POS Terminals to qualified Agents in accordance to existing laws and regulations in the Federal Republic of Nigeria.

5.2 Conduct the 1st round review of the KYC (“Know Your Customer”) documents at Palmpay’s request, which include but not limited to application form, identification documents and proof of address and ensure its completeness, accuracy and quality.

5.3 Promptly notify Palmpay upon the conclusion of the review mentioned in Clause 5.2 and assist in on-boarding process of the Agent in accordance with the compliance policies and standard operating procedure of Palmpay.

5.4 Assist in visitation of the prospective Agents and execution of the agreements.

5.5 Responsible to manage any dispute arise during the promotion and on-boarding stage between the Aggregator and the Agent.


Each party to this Agreement shall:

6.1 Perform the obligations contained in this Agreement for their collective benefits.

6.2 Cooperate with the other Party by making available the relevant information, documentation and technical personnel in a timely fashion to implement all necessary measures for the services.

6.3 Use all reasonable measures to maintain confidentiality and prevent fraud.


7.1 The Parties agree that the transaction fee referred to in Schedule 1 shall be the fee payable by the Agent to PalmPay for the provision of services.

7.2 The Parties agree that the fees can be modified to suit business requirements and be mutually agreed after prior notification.

7.3 The transaction fee shall be paid to PalmPay; this will be deducted from the Agent’s PalmPartner account domiciled in PalmPay.

7.4 The transaction fee payable are as follows:

7.4.1 The Agent shall pay of all Verve cards POS transactions

7.4.2 The Agent shall pay of all Visa cards POS transactions

7.4.3 The Agent shall pay of all MasterCard POS transactions

7.5 The Agent shall under no circumstance charge a different price, surcharge a cardholder or otherwise discriminate against any member of the public who chooses to pay with a card or by other electronic means.


8.1 The Parties agree that the taxes & duties referred to in Schedule 2 below shall be the payable by the Agent to PalmPay for the provision of services.


9.1 The Agent shall enter a separate arrangement with the Aggregator regarding the guarantee deposit per each POS terminal.

9.2 The Agent and the Aggregator hereby indemnify Palmpay for any consequence and losses result from the actual guarantee deposit amount negotiated between the Agent and the Aggregator.

9.3 PalmPay shall not be involved in any disputes that may arise between the Aggregator and any of its, his or her acquired Agent with regard to the guarantee deposit.


10.1 All successful transactions would be settled to the Agent’s Palmpay Agent account.

10.2 Agent Settlement will take place within the close of business day on a T+1 basis, (where T is day of the transaction) barring unforeseen events which are beyond the control of PalmPay.

10.3 Settlement of the Agent transaction would only be done on a working day (i.e. Monday to Friday except on national or state declared holidays). Settlement of the Agent transaction done on weekends and public holidays will take place at the close of the next working day.

10.4 The Agent would keep all cardholder’s name, cardholder’s address, cardholder’s telephone, Agent issued receipts, and receipt/invoicing log for a minimum of 180 days (one hundred and eighty days) and the documents should be presented to PalmPay within 24 hours of request. The Agent who fails to provide the above within the stipulated timeline will not be entitled to receive their settled funds correspondingly.

10.5 The Agent shall report to PalmPay if it erroneously receives POS transaction funds not transacted on the POS terminal(s) deployed to them.


11.1 PalmPay Chargeback.

11.1.1 PalmPay Chargeback means the chargeback request made by the Cardholder to PalmPay through the Agent for unsuccessful or declined POS transactions.

11.1.2 In the event of an unsuccessful or declined POS transaction, the Agent may initiate a chargeback on behalf of the Cardholder on the PalmPartner App after obtaining the Cardholder’s authorization.

11.1.3 The Agent shall provide the information required by PalmPay on behalf of the Cardholder to prove the POS transactions is unsuccessful or declined. It is at PalmPay’s sole discretion to decide whether to accept the request or not.

11.1.4 If the Cardholder’s chargeback request to PalmPay via the Agent is successful, PalmPay will credit the amount directly to the Cardholder’s bank account.

11.1.5 The Agent should clearly inform the Cardholder that if the Cardholder has applied for a Chargeback with PalmPay, the Cardholder shall not apply for a Chargeback with the issuing bank for the same POS transaction. The Agent hereby indemnify Palmpay of any loss incurred due to the Cardholder’s application of a Chargeback with the issuing bank upon applied for a Chargeback with PalmPay. Agent shall indemnify PalmPay through its Palmpay Agent account and if the balance in his or her Palmpay Agent account is insufficient to cover PalmPay’s losses, the Agent hereby authorises PalmPay to deduct the corresponding losses from his or her PalmPay account.

11.1.6 The Agent undertakes to provide accurate information in relation to the PalmPay Chargeback on behalf of the Cardholder. The Agent shall indemnify PalmPay for any loss arising from incorrect information provided. Agent shall indemnify PalmPay through its Palmpay Agent account and if the balance in his or her Palmpay Agent account is insufficient to cover PalmPay’s losses, the Agent hereby authorises PalmPay to deduct the corresponding losses from his or her PalmPay account.

11.1.7 The Agent hereby undertakes not to engage in any malpractice with the objective of defrauding Cardholders or PalmPay.

11.2 Chargeback Request to the Issuing Bank

11.2.1 Chargeback Request to the issuing bank means the chargeback made by the Cardholder to the Issuing Bank regarding the POS transactions that may be either unsuccessful or declined.

11.2.2 PalmPay is entitled to debit the Agent for the value of the amount where Chargeback Request to the Issuing Bank has been submitted to PalmPay for the sucessful POS transaction. The Agent would receive his or her funds if satisfactorily documentary evidence is provided to oppose the request.

11.2.3 In case of unsuccessful or declined POS transactions, the Cardholder may submit a Chargeback request through the Agent to PalmPay or the issuing bank, however, the chargeback request can only be submitted to one of the parties.

11.3 The Agent shall not under any circumstance refund the Cardholder in cash or by providing the requested services for unsuccessful or declined POS transactions.

11.4 PalmPay shall not be held liable for any losses may incur from a chargeback request through the Agent for unsuccessful or declined POS transactions.


12.1 The Agent and the Aggregator shall agree to defend, indemnify, and hold PalmPay, its officers, directors, employees, agents, licensees, and suppliers, harmless from and against any claims, actions or demands, liabilities and settlements including without limitation, reasonable legal and accounting fees, resulting from, or alleged to result from, your violation of this Agreement.


13.1 Where PalmPay wishes to terminate this Agreement as a result of breach of any of the provisions of this Agreement by the Agent or the Aggregator, PalmPay shall give the Agent or the Aggregator at least fourteen (14) days’ written notice of such breach and requiring the Agent or the Aggregator to rectify the breach.

13.2 Where the Agent or the Aggregator fails to rectify the breach within the stipulated period, the PalmPay may terminate the Agreement forthwith. Such termination shall be without prejudice to any claim PalmPay may have against the Agent or the Aggregator arising from the alleged breach.

13.3 Termination of this Agreement for any cause shall not affect any rights or obligations of the Parties under the Agreement, which had already accrued at the time of termination.

13.4 Each party may terminate this Agreement upon fourteen (14) days’ written notice to the other party. If no party exercises its right to terminate, then the Agent and the Aggregator hereby agrees and undertakes not to take any injunctive step or seek an injunction to restrain the possession of the POS at any time whether or not the parties are in court or dispute. PalmPay reserves the right to terminate this Agreement immediately irrespective of the above provision.


14.1 No Party may assign any of their rights, obligations or responsibilities under this Agreement without the prior written consent of the other Party and in absence of such consent any such assignment shall be null and void.


15.1 Each Party represents and warrants, as of the Effective Date, to the other Party that:

15.1.1 it has full power and authority to enter into, and perform its obligations under, this Agreement;

15.1.2 there are no conditions, events, occurrences or other circumstances that might materially adversely affect its ability to carry out its obligations under this Agreement;

15.1.3 its execution and performance of this Agreement will not contravene any provision of, or constitute a default under, any law, its constitutional documents or other agreement to which it is a party; and

15.1.4 it has the financial capability, technical competence and good standing to perform its obligations under this Agreement.


16.1 In the event of any dispute or litigation by way of court action, arbitration or otherwise PalmPay shall without prejudice to its right have the right to repossess the POS, and the Agent and the Aggregator hereby agrees and undertakes not to take any injunctive step or seek an injunction to restrain the possession of the POS at any time whether or not the parties are in court or dispute.


17.1 PalmPay shall not be involved in any disputes that may arise between the Agent and any of its Customers.

17.2 Where any dispute, claim or controversy arises between the Parties (hereinafter referred to as the “Dispute”), concerning this Agreement, the Parties shall attempt to resolve the dispute by negotiation. For the avoidance of doubt, this will entail that one Party invites the other Party in writing to meet, to resolve the dispute within thirty (30) days from the date of the written invitation.

17.3 If the Dispute has not been resolved by such negotiation, the Parties shall submit the Dispute to the Lagos Chamber of Commerce International Arbitration Centre (LACIAC) (which rules are deemed to be incorporated by reference into this clause).

17.4 The arbitration shall be held in Lagos, Nigeria and shall be conducted in English.

17.5 The validity, construction and interpretation of this Agreement and the rights and duties of the Parties hereto shall be governed by the laws of the Federal Republic of Nigeria and the Parties hereby submit to the jurisdiction of the Courts of the Federal Republic of Nigeria.


18.1 No Party shall be liable for loss or damage arising out of any delay or failure of performance caused by circumstances beyond its control including but not limited to earthquakes, flood, hurricane, act of God or of public enemies, war, national emergencies, invasion, insurrection, riots, strikes, picketing, boycott or interruption of services rendered by any utility or communication service provider nor shall any delay or failure of performance due to said causes be deemed a breach or a default in the performance of this Agreement.

18.2 The party affected by the force majeure event shall immediately within five (5) days of it becoming aware of the event notify the other party of the occurrence.

18.3 Where the force majeure persists for a period longer than sixty (60) days, the non-defaulting party shall have the right to terminate this Agreement forthwith.

18.4 Upon such termination, each Party shall be relieved from its respective obligations, except for obligations for payment of monetary sums which arose prior to the event of Force Majeure.


0.5% (VAT Inclusive) capped at N100 (One Hundred Naira) per single POS transaction.

The above-preset transaction fee may be subject to adjustment from time to time upon prompt notification from PalmPay to the Aggregator and the Agent.


Value-added Tax (VAT) and Stamp Duty (SD) are included in the Transaction Fee as stipulated in Schedule One.

The above-preset taxes & duties may be subject to adjustment from time to time upon prompt notification from PalmPay to the Aggregator and the Agent.

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How To Get Moniepoint POS Machine In Nigeria; Price & Charges

moniepoint android pos

Moniepoint POS is one of the mobile money operators in Nigeria that uses Point of Sale (POS) machines as their main device to carry out transactions just like other companies such as OPay, Access Clossa, UBA, Kudi, MoMo Agent, etc.

Have you been looking for a way to get Moniepoint POS and you haven’t been able to get one? Contact a customer care representative to apply for one, it costs ₦25,000 naira click WhatsApp Chat or call 08117390POS

These POS devices are given to agents who have been licensed and at the same time vetted in a rigorous Know Your Customer (KYC) process.

Moniepoint and other POS merchants across Nigeria have put measures in place to ensure the security of these devices.

Moniepoint’s mission is to provide employment to many youths who are out of employment by giving them the opportunity to become a “mini-bank” in which anyone around their vicinities can easily walk up to them and carry out transactions as they would in the banks.

Moniepoint POS is a business initiative launched by a startup Fintech company in Nigeria and currently investing in order to expand to other parts of Africa.

If you’re looking to know more about Moniepoint POS, stay on this page!

How Do I Apply for a Moneypoint POS in Nigeria?
Applying for the Moniepoint POS machine is easy but you must be:
Above 18 years,
A Nigerian and
Own a smartphone

How to Request Moniepoint POS Machine?

Requesting for Moniepoint POS is easy and fast compared to other MMOs.
Once you meet the basic requirements stated above, you can get started by creating an account by contacting a customer care representative: Call or WhatsApp 08117390242

Moniepoint usually confirms and contacts new users who just signed up on the platform within 48 hours. This person who manages agents will then take it up from there.
You can as well visit their physical address at No.12 Wole Ariyo St, Lekki Phase 1 office to complete your registration.
After they might have contacted you, you will be mapped to an aggregator and from there, you can get everything done within a short time.

What are the basic requirements to complete Moniepoint agency registration?
Once you are mapped to an aggregator, the documents listed below will be required from you as part of the KYC (know your customer) policy. Here are the documents:
A valid Identification Card (International Passport, NIN, Voters’ Card, or Driver’s License)
Utility Bill (waste bill, electricity bill, land-use charge, water bill, or tenancy agreement)
CAC documents (for registered businesses only)

With a sum of N25,000 (twenty thousand Naira only), you can own a Moniepoint POS device within 24-48 hours.

What are the Moniepoint POS charges and commission structure?
The volume of transactions via the terminal determines the charges by Moneypoint POS. But as a starter guide, here are some of the commissions and charges by Moniepoint POS.
With withdrawals between N1-N20,000, Moniepoint POS charges only 0.5% of the transaction amount.
For transactions above N20,000, Moniepoint charges a flat rate of N100(charges may change at any time.
For transfers, Moneypoint POS charges a flat rate of N20 for transfers.

For Data Top Up:
MTN 3% commission
Glo 4% commission
9Mobile 4.5% commission
Airtel 4% commission

  1. For TV Subscription:
    DSTv 2% commission
    GOTv 2% commission
    PHCN 2% commission
    Star Times 2% commission

What are the applicable rules to Moniepoint POS usage?
Minimum of N50,000 (Eighty Thousand Naira only) daily withdrawal value.

You will get 50% cashback of the N20,000 paid during registration if an aggregator has any cause to withdraw your Moniepoint POS device within a year of issuance.

What if I have an issue with the Moniepoint POS device afterward?

Moniepoint has a refund policy for their agents to resolve any issues should there be one.
The company handles disputes and refunds in a more professional way and that shouldn’t be an issue for you – if you’re planning on partnering with them. The company will assign someone to you to resolve your case as soon as you open a ticket.
One benefit you will get with Moniepoint POS that you won’t find anywhere is that you’ll be added to a WhatsApp group of agents like you to share ideas/challenges and help you grow in no time.

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How To Relocate To UK, Canada, USA From Nigeria -Apply For Visa

Nigerian Student Visa Application Service
Glow Visa & Funds is a travel agency in the United Kingdom, founded in year 2016 and now in partnership with other travel agencies under it in Nigeria, Kenya and the United States. It’s services include travel consultancy, processing proof of funds, and applying it’s broad knowledge of the current immigration legislation, rules and regulations.

Glow Visa & Funds Service offers solutions and assistance to international students wishing to obtain Canada visa, United states visa, UK visa, traveling for various  purposes amongst which are:

Family relocation visa, Student visa, Business, Work visa, and citizenship visa solution is also provided.

If you would like to engage the professional Visa Service, arrange a consultation with the visa team by using the form below.

Student Visa Application Process
In order to complete your UK study visa application quickly and increase its likelihood of success, your immigration matter will be dealt with in a few simple stages:

Free initial consultation
Provide a checklist for necessary supporting documents
Completion and submission of your online application
Book an appointment for your documents to be submitted at a visa center
Communicate with visa and immigration on your behalf
Arrange a consultation with us to learn more about your visa application.

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Asus Laptop Price In Nigeria; Mini, Consumer, Commercial and Gaming Laptops

asus laptop price
asus laptop price

ASUS VivoBook L203NA Laptop, 11.6” HD Display, Intel Celeron N3350 Processor, 4GB RAM, 64GB eMMC, One Year Microsoft 365, Windows 10 Home in S Mode, Bundle with TSBEAU 4 port USB 3.0 Hub and USB Light windows 10 in s mode 1year warranty 132,000.00

Asus E203NAH-FD084T NOTEBOOK (Intel Celeron Processor N3350 (2M Cache, up to 2.4 GHz), 4GB LPDDR3, 500GB 54R HDD, 11.6″ HD, Star Grey Colour). WIN 10HOME 133,000.00

ASUS Laptop L410 Ultra Thin Laptop, 14” FHD Display, Intel Celeron N4020 Processor, 4GB RAM, 64GB Storage, NumberPad, Windows 10 Home in S Mode, Star Black, L410MA-DB02.. I year warranty. 148,000.00

ASUS X415MA-BV016T, 14″ HD (1366×768), Transparent Silver, Intel® Celeron® N4020 Processor 1.1 GHz (4M Cache, up to 2.8 GHz), 4GB DDR4 (on board), 1TB, Intel® UHD Graphics 600, Wi-Fi 5(802.11ac)+Bluetooth 4.1 (Dual band) 1*1, 1x DC-in//1x USB 3.2 Gen 1 Type-A 1x USB 3.2 Gen 1 Type-C 2x USB 2.0 Type-A//Micro SD card reader, VGA, UK, 2-Cell Li-ion, Windows 10, 1 Year Warranty. 149,000.00

“ASUS R214NA-EH015TS Hybrid (2-in-1) Product colour Black 11.6″” Touchscreen HD type HD LED backlight 1.1 GHz Intel® Celeron® N N3350 Processor cores 2 Processor cache 2 MB 4 GB 64 GB eMMC Card reader integrated On-board graphics adapter Intel® HD Graphics 500 AUDIO Front camera Wi-Fi 5 (802.11ac) Top Wi-Fi standard Wi-Fi 5 (802.11ac) KEYBOARD & MOUSE, Windows 10 S. 1 year warranty.” 153,000.00

ASUS VivoBook FlipBook Intel® Celeron® Dual-Core N3350 Processor, 4 GB, 64GB eMMC, Integrated Intel HD Graphics, 11.6″ (16:9) HD (1366×768) 60Hz Touchscreen 45% NTSC, Chiclet keyboard, Multi-format card reader (SDHC/SDXC/MMC), VGAWebcam, Integrated Wi-Fi 5 (802.11 ac), Bluetooth® 4.1, Windows 10 Pro, Star Grey, No DVD, 1 Year Warranty 179,000.00

Asus VivoBook Flip 12 Intel Celeron N3350 Dual-core, 4GB RAM, 64GB eMMC, 11.6″ Touchscreen HD – 1366 x 768, HD Graphics, Webcam, Bluetooth, Bilingual KeyBoard, 802.11ac Wireless Standard, No DVD, Windows 10 Pro, 1 Year Warranty 179,000.00

ASUS VivoBook Flip 14 Intel Celeron N4020 1.1GHz, 4GB RAM, 64GB eMMC, UHD Graphics 600, Webcam, Bluetooth, 14″HD (1366×768) 60Hz Touchscreen 45% NTSC, Intel UHD Graphics 600, No DVD, Windows 10 Home, Light Grey, 1 Year Warranty. 187,000.00

ASUS Laptop X409JA-BV17T 14″, Slate grey, i3-1005G1, 4G, 1TB, UK, Win10, 1yr warranty 201,000.00

“ASUS X415JA-BV191T,14″” HD (1366×768), Transparent Silver, Intel® Core™ i3-1005G1 Processor 1.2 GHz (4M Cache, up to 3.4 GHz, 2 cores), 8GB DDR4 (4GB on board), 1TB, Intel® UHD Graphics, Wi-Fi 5(802.11ac)+Bluetooth 4.1 (Dual band) 1*1 1x HDMI 1.4
1x 3.5mm Combo Audio Jack//1x USB 3.2 Gen 1 Type-A 1x USB 3.2 Gen 1 Type-C 2x USB 2.0 Type-A//Micro SD card reader, VGA, UK, 2-Cell Li-ion, Windows 10, 1 year warranty” 209,000.00

ASUS X515JF-BR148T, 15.6″ HD (1366×768), Transparent Silver, Intel® Core™ i7-1065G7 Processor 1.3 GHz (8M Cache, up to 3.9 GHz), 8GB DDR4 (4GB on board), 1TB, NVIDIA® GeForce® MX130, 2GB DDR5, Wi-Fi 5(802.11ac)+Bluetooth 4.1 (Dual band) 1*1, 1x 3.5mm Combo Audio Jack, 1x HDMI 1.4//1x USB 3.2 Gen 1 Type-A, 1x USB 3.2 Gen 1 Type-C, 2x USB 2.0 Type-A//Micro SD card reader, VGA, UK with Numeric keypad, 2-Cell Li-ion, Windows 10, 1 year Warranty. 306,000.00

ASUS Zenbook Flip 13 CORE I3-8145U/8G/256GB/13.3″/WIN 10 385,000.00

ASUS Vivo Book S14 CORE I7-10510U/8G/512GB/14″FHD/WIN 10 441,000.00

ASUS ZENBOOK 13 SERIES UX325JA-EG063T LAPTOP (CI5-10210U/8GB/256GB/13.3″ FHD/WIN10) – PINE GREY 468,000.00

ASUS Vivo Book S14 CORE I7-10510U/8G/512GB/14″FHD/WIN 10 486,000.00

ASUS TUF FX505GT-AB73 /Intel Core i7-9750H 8gb RAM GeForce GTX 1650 /15.6″ Full HD (1920 x 1080 pixels) /4.85 lbs (2.2 kg 500gb SSD /Windows 10 Home, 1 year warranty. 495,000.00

Asus ROG Strix G15, i7-10750H 2.6GHz, 8GB, 512GB SSD, GTX 1650Ti/4GB, BT, 15.6″(1920X1080), W10, Electro Punk-NO WEBCAM/DVDRW 519,000.00

ASUS Zenbook Flip 14 CORE I7-10510U/8G/512GB/14″FHD TOUCH/WIN 10 597,000.00



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Sapphire Stone Value & Price(s) in UK GemStone per Karat 2022

sapphire stones

Sapphire gemstones come in all colors of the rainbow except red color.

Sapphire Value

💬Explore available samples here if interested in a purchase: 👉 Click to Chat

The International Gem Society (IGS) has a list of businesses offering gemstone appraisal services.

Color is the most important element in estimating the value of blue sapphire. Although hue counts, the closer to a pure blue the better, saturation is more important. Top sapphires reach vivid saturation. (Many sapphires on the market are actually grayish). Tone is also an important consideration. Dark sapphires are abundant and never reach very high values. (Of course, the same can be said for all dark gems: too dark and they’ll only be moderately valuable). The pictures below are a rough illustration of differences in blue sapphire saturation.

sapphire gemstones

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Faforon Herbal Products Price in Nigeria

FAFORLIFE, a product ahead of its time which uses the nerves and brain signals have conquered the most dangerous diseases;

💬Enquire all Faforon product prices here if interested in a purchase: 👉 Click to Chat


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FOLDABLE ABDOMINAL AB COASTER MACHINE – EASY WAY TO FLAT TUMMY: Product details It would be amazing, if you could really spend just a few minutes a day on the abs machine to get a tight, toned and sexy waistline. The AB Coaster Max is suitable for cardio exercise and burning calories, especially burning belly fat. It helps in trimming the tummy and flattening the tummy. Its also used to get a big buttock. Max user is about 100kg. You could have this be your only abdominal/core exercise. The seat disengages allowing the user to twist from side to side during the ride thus hitting the waistline as well. It’s fun The whole family can use it It’s well built It really works It engages the user so they will actually continue to use it. Safe, no pulling on the neck etc.00

CRAZY FITNESS MACHINECrazy fitness machine shakes off fat in the entire body and keep you healthy and fit.


INDOOR CYCLING BIKE: Product details Indoor cycling is an ideal exercise to improve your cardiovascular system. Your heart and lungs make up your cardiovascular system, and the fitter you become, the more efficiently they work. Consistent cycling improves blood flow throughout your body and increases the speed by which oxygen is distributed. Over time, it will help improve heart and lung performance and increase your overall fitness level. This spinning bike has an LCD Monitor which displays Time, Speed, Distance, Calorie and Pulse. It is made with strong materials for maximum durability. The bike comes in the most recent design and feature. Consistent use will help you meet your fitness goal. It is a must have for everyone as it is durable and affordable. You will love this bike. • PROFESSIONAL SPINNING BIKE WITH LCD MONITOR • HANDLE BAR CAN BE ADJUSTED VERTICALLY • + – MULTI RESISTANCE ADJUSTMENT BY REVOLVING THE KNOB VERTICALLY • COMPUTER MONITORS: TIME, SPEED, DISTANCE, CALORIE & PULSE • ASSEMBLED SIZE: LxWxH 122 X 61 X 120 (CM) • ROUND FRONT SLANTING TUBE: DIA.50 X 1.5 (MM) • FRONT AND REAR STABILIZER TUBE: 76X1.5 (MM) • FLYWHEEL 5.5 KG • MAX. USER WEIGHT: UP TO 100KG • SEAT CAN BE ADJUSTED HORIZONTALLY & VERTICALLY * PRODUCT WEIGHT: 30KG00

ELIPTICAL/ORBITRAC BIKE -4 HANDLE: Product details Exercising obn this four handled bike helps in the Increased supply of oxygen /nutrients to cells throughout the body. Blood circulation is improved.The strain on the heart is eased through the normal return of blood to this vital organ, especially in cases of forced inactivity due to illness or injury. â?¢ Lymph fluid, (a major part of body immune system) is moved efficiently throughout the body, helping /strengthening the immune system also eliminating toxic waste. It also works for both upper and lower parts of the body. Product Features: Computer Display:Heart Motor Rate,Time ,Disptance,Calories and Speed Adjustable Seat and many more.

FITNESS TREADMILL MACHINE: Product Description 1. Massage, sit-up, 2 dumbells 2.Display Readout: blue LCD .Calories. Heart Rate. Speed.Time.Distance.etc. 3.Motor : 2HP peak power 4.with 2 speakers.amplify USB and SD. MP3 connection.ear phone jack. 5.Speed Range: 0.8-14.8 km/h 6.incline: manual incline 3 levels. 7.Running Surface: 420mm X 1200mm. 8.Carton Size: 1680x750x325 9.Hand-held heart rate.speed&incline shortcut keys 10.99% Pre-assembly in the carton. 11.User Weight Capcity:110kgs 12.Net weight: 64KGS. Gross weight: 72KGS. 13.two level dual double shock absorption cushioning design. 8-points deck suspension. assembly package foldable package in the carton. 15.with SON trade mark Product Information Brand Body Fit …see less00

WEIGHT ADJUSTABLE DUMBBELLS SETEY FEATURES Great for home or studio workouts Great for physiotherapy exercises Grips easily in sweaty hands Materal;Solid coated cast iron 2 pieces 2kg each

BACK2CRAWL FITNESS EXERCISE MACHINE WITH LCD MONITOREasy home weight lost gym and whole body exercise00

VULVA STEAM DETOX MACHINEIt Detoxifies & eliminates unpleasant odor in the vulva region. It curbs infertility & hormone imbalance. Eliminates bacteria infections & hemorrhoids in the vulva region. It relieves stress.



DIP CHIN STATION EXERCISE: Product details Become a stronger version of yourself with the Standard Bench with total 20kg total Weight Set. This features an adjustable 3-position bench that is compact and easy to assemble so you can get your workout started right away. Quality Construction Easy-to-assemble bench set Adjustable pads, allowing you to comfortably target arm and leg muscle groups Steel frame construction with vinyl-padded seats Targeted Strength Training Versatile, 3-position back pad adjusts to incline, flat, and decline bench press positions Dual-function, total leg developer for leg extension and curl exercises Vertical butterfly arms function independently for chest muscle development Key Details Total body bench set Targets entire major muscle system Stabile, steel-framed structure Adjustable weights up to Durable powder-coated finish Set includes one-piece standard size weight bar,vinyl covered silver plates. 10kg Weights plate 10kgBarbell.00

BIO ION FOOT DETOX MACHINEHealth Benefits It enhances the body’s own natural detoxification abilities & enables the body to remove heavy metals resulting in: A stronger immune, a reduction in chronic pain & inflammation, prevention of diseases, weight loss, Increased staying power, Enhanced lymphatic drainage, Better skin health. Product details In today’s world, we experience poor diet and high stress due to work stress and movement to and from our work place. Overtime we tend to accumulate and store excessive quantities of waste products, such as diacetic, lactic, pyruvic, uric, carbonic, acetic, butyric, and hepatic acids and this leads to a chemical imbalance within our bodies which causes an excess of hydrogen ions, lower than optimal blood pH level (7.45 pH). This detoxifying machine works by pulling the toxins out of your body through your feet. The body detoxifies while you are comfortably seated with your feet placed in a container of warm water. This is a very efficient way to remove toxic accumulations regardless of where they are located in the body. Detoxification system in this machine produces positive and negative ions, that “resonate through the body and stimulates the cells within it that re-balances cellular energy, allowing efficient performance and excretion of toxins that have accumulated within the tissues for 20– 35 minutes of usage.00

PULSE SLIMMING / STROKE THERAPY MASSAGERIt modulates physiological mechanisms. Activates cells. Improves immune system. Increases lymphatic flow for toxin removal & reduce chances for stroke, PMS/early menopause.

VIBRO HIGH PERFORMANCE TOMMY SLIMMING BELTMulti Tasking High Speed massager with heating function Burns Tommy fat.00

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SIX PACK CARESix pack wonder core with cycling pedal click here to contact us00

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Faforon Herbal Benefits

Faforon Stem Cell Dietary Supplement
Product Detail


Builds/Boost Blood
Boosts Immune System
Ends Anemia Crises
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Promotes Fertility
Detoxifies The Liver
Cures Insomnia
Heals Ulcer
Curbs Diabetes
Prevents Cancer
Aids Visual Health
Reduces Cholesterol
Glows The Skin
Reverses Aging
Boosts Memory
Strengthens The Bone
Boosts Energy
Boosts Appetite
Curbs Menstrual Crises
Reduces HBP
Assists In Weight Control
Curbs Arthritis

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HP Laptop Price In Nigeria With Model Specifications

hp laptop prices
hp laptop prices

Hewlett Packard Laptops is a brand well known for high quality personal computers, PC peripherals and accessories. HP Laptops are the most popular in Nigeria. In this page, here’s the complete list of HP Laptop prices in Nigeria with detailed specifications of each the Laptops. Please note that the HP Laptop prices may change at any time.

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How To Get OPAY Android POS Machine In Nigeria

opay pos machine

In this article, I will show you how to get an Opay POS and answer any important questions you might have about the POS.

Have you been looking for a way to get Opay POS and you haven’t been able to get one? Contact a customer care representative to apply for one, it costs ₦30,000 for the Analogue and ₦65,000 naira for the Android model, click WhatsApp Chat or call 08117390242 to apply for one.

OPAY is one of the most sophisticated popular and cheapest POS with great pricing in the POS market in Nigeria. THe opay android pos is able to carry out all vending transactions including Electric bills, DSTV, GOTV, JAMB, WAEC, Sport betting, e.t.c

Opay Android Smart POS
Want to get this POS today?

Opay POS machine price in Nigeria: How much is opay POS in Nigeria?
The Opay Android/smart POS price is N30,000. Opay reduced the price of their POS recently because they have removed the target. This means, you don’t need to meet any target after paying this amount and you completely own the POS. But take note that, Opay will block your POS automatically if you did not use it for 6 days in a row.

If you are new to the POS Business, Check the strategy I use to make average of #1.7million every month with 20 outlets, in the Pos business here (FREE online course): >>>JOIN FOR FREE NOW>>>

How long will it take you to get a OPAY POS
it takes between 1 day to 3 days to get opay pos and you don’t need to meet any target anymore

How to get Opay POS fast: Charges, cost of the POS, merchant categories,requirements and getting started
What is the charges on OPAY POS?
The charges on OPAY is 0.5% on withdrawal up to N20,000 and N100 on withdrawal above N20,000 and N10 for a deposit from N5000 and below, N20 for deposit form N5,001 and to N10,000 and any transfer above N10,000 is N30

Important note: Opay will give you commission/bonus from these charges and the amount of commission you get will be determined by your current level. There are 4 different levels on Opay based on the total amount of withdrawal you do monthly, as shown below

Various categories of merchants on Opay
Regular merchant: < N2,999,999 withdrawal monthly

Gold merchant: Between N3,000,000 to N4,999,999 total withdrawal monthly

Platinum merchant: N5,000,000 and above total withdrawal monthly

This means you will be charged N5 on every N1000 you withdraw for a customer for any amount below N20,000 and N100 for any withdrawal above N20,000 (note that this is for all merchants, but the difference between the various merchants is in the commission/bonus Opay will return to their wallet based on the merchant level).

Platinum merchants gets 15% discount (commission) on withdrawal

Gold merchants gets 10% discount (commission) on withdrawal

Regular merchants gets 8% discount (commission) on withdrawal

while on deposit

Platinum merchants gets 30% discount (commission) on deposit

Gold merchants gets 25% discount (commission) on deposit

Regular merchants gets 15% discount (commission) on deposit

Below is the breakdown of the charges for each category of the merchant on Opay for both withdrawal and transfer/deposit

You can watch the video i did on how to calculate the charges


Note: i have already done the breakdown of the charges below but you can watch the video to see what level you are. Below is a breakdown of opay pos transaction charges

Opay withdrawal charges for regular merchant
Here are Opay withdrawal charges list

N1 to N1000 charges is 0.4% per withdrawal.

N1001 to N2000 charges is N9.2

N2001 to N3000 charges is N13.8

N3001 to N4000 charges is N18.4

N4001 to N5000 charges is N23

N5001 to N6000 charges is N27.6

N6001 to N7000 charges is N32.2

N7001 to N8000 charges is N36.8

N8001 to N9000 charges is N41.4

N9001 to N10,000 charges is N46

N10,001 to N11,000 charges is N50.6

N11,001 to N12,000 charges is N55.2

N12,001 to N13,000 charges is N59.8

N13,001 to N14,000 charges is N64.4

N14,001 to N15,000 charges is N69

N15,001 to N16,000 charges is N73.6

N16,001 to N17,000 charges is N78.2

N17,001 to N18,000 charges is N82.8

N18,001 to N19,000 charges is N87.4

N19,001 to N20,000 charges is N92

N20,000 and above charges is N92 (even though it is N200,000 or N500,000)

Opay deposit/transfer charges for regular merchant
Here are Opay deposit charges list

N1000 to N5000 charges is N8.5

N5000 to N10,000 charges is N17

N10,000 and above charges is N25.5 (even though it is N200,000 or N500,000)

Opay withdrawal charges for Gold merchant
N1 to N1000 charges is N4.5

N1001 to N2000 charges is N9

N2001 to N3000 charges is N13.5

N3001 to N4000 charges is N18

N4001 to N5000 charges is N22.5

N5001 to N6000 charges is N27

N6001 to N7000 charges is N31.5

N7001 to N8000 charges is N36

N8001 to N9000 charges is N40.5

N9001 to N10,000 charges is N45

N10,001 to N11,000 charges is N49.5

N11,001 to N12,000 charges is N54

N12,001 to N13,000 charges is N58.5

N13,001 to N14,000 charges is N63

N14,001 to N15,000 charges is N67.5

N15,001 to N16,000 charges is N72

N16,001 to N17,000 charges is N76.5

N17,001 to N18,000 charges is N81

N18,001 to N19,000 charges is N85.5

N19,001 to N20,000 charges is N90

N20,000 and above charges is N90 (even though it is N200,000 or N500,000)

Opay deposit/transfer charges for Gold merchant
N1000 to N5000 charges is N7.5

N5000 to N10,000 charges is N15

N10,000 and above charges is N22.5 (even though it is N200,000 or N500,000)

Opay withdrawal charges for Platinum merchant
N1 to N1000 charges is N4.25

N1001 to N2000 charges is N8.5

N2001 to N3000 charges is N12.75

N3001 to N4000 charges is N17

N4001 to N5000 charges is N21.25

N5001 to N6000 charges is N25.5

N6001 to N7000 charges is N29.75

N7001 to N8000 charges is N34

N8001 to N9000 charges is N38.25

N9001 to N10,000 charges is N42.5

N10,001 to N11,000 charges is N46.75

N11,001 to N12,000 charges is N51

N12,001 to N13,000 charges is N55.25

N13,001 to N14,000 charges is N59.5

N14,001 to N15,000 charges is N63.75

N15,001 to N16,000 charges is N68

N16,001 to N17,000 charges is N72.25

N17,001 to N18,000 charges is N76.5

N18,001 to N19,000 charges is N80.75

N19,001 to N20,000 charges is N85

N20,000 and above charges is N85 (even though it is N200,000 or N500,000)

Opay deposit/transfer charges for Platinum merchant
N1000 to N5000 charges is N7

N5000 to N10,000 charges is N14

N10,000 and above charges is N21 (even though it is N200,000 or N500,000)

How much commission does OPAY give on services
Here are the commissions OPAY will pay you as an agent when you buy airtime, or pay for Tv subscription for a customer or pay electricity bill for customers

MTN 3% commission

Glo 4% commission

Etisalat 4.5% commission

Airtel 4% commission

FOR TV Subscription.

DStv 2% commission.

GOgtv 2% commission.

PHCH 2% commission.

Startime 2% commission.

How to become a Opay Agent
It used to be the case that to become an agent, you need to meet the first criteria of being able to withdraw up to N70,000 daily, that is no more the case as anyone can now get an Opay POS.

How to get started to get the Opay POS
Step 1: You can get the POS by downloading the opay app here then register

Step2: After registration, you need to upgrade your account to Agent level (this usually takes between a day to 3 days but you can chat me on Whatsapp on 08117390242<<>>> to make the process faster. To see how to upgrade your account, check the video below for the step by step)

Step 3: After your account is approved to the agent level, the next thing is to submit your POS application by going to MY POS on your Opay app and fill in the required details make sure you submit your application and add your statement of account.

Important note:
The other way to apply for pos is to contact an aggregator close to you. You can reach me on 08117390242(i am an Opay aggregator) <<>>> and I will be willing to help you with the application.

You can watch the step by step video I created on how to get Opay POS

Important note: In case you are unable to watch the video below. Kindly use the link below to access the video


What do i need to apply for a OPAY POS
All you need is your ID card (whether national ID card, Driver’s license, Voter’s card or international passport), Nepa bill, and passport photograph. These plus a cautionary fee of N10,000, N45,000 or N60,000 for mini, traditional and smart/ android pos respectively, is what you need to get the POS. These prices are for the outright purchase of the POS

opay android pos
The following documents will be required

A verified Identity card such as International Passport, National ID Card, or Voters Card
Utility Bill (Nepa Bill)
Business License (For Registered business only)
Valid BVN
Valid Account Number
Other details you will need to apply for OPAY POS
First name
last name.
Date of birth.
The gender.
Email address.
Opay Aggregator code (usually 10 digits. You can always use mine

Phone number..
Two address line.
Country and city.
How do I get Opay Aggregator code?
Opay Aggregator code is a 10 digits number that you use to apply for opay POS. Aggregators are your connection to Opay as they are the ones who will handle your questions and help with any challenges you might face. You can use my Aggregator code as shown below and be rest assured to get full support

If you are new to the POS Business, Check the strategy I use to make average of #1.7million every month with 20 outlets, in the Pos business here (FREE online course): >>>JOIN FOR FREE NOW>>>

Why does OPAY ask for your BVN
The Bank Verification Number is used to confirm that your personal information submitted is valid for proper KYC documentation as required by the CBN

What are the things you can do on a OPAY POS machine
here are some services you can do on an OPAY POS

Cash withdrawal
Fund Transfer
Instant Settlement
Payment of Utility Bills
Check customers account balance with their ATM (only on the big traditional POS)
Some frequently asked questions about Opay POS
Difference between opay traditional and opay mini
The difference between Opay traditional and Opay Mini is that Opay Mini POS doesn’t print receipts on its own except if you buy an external printer. While Opay traditional can print on its own. Plus you need to connect Opay mini with your android phone via Bluetooth for you to be able to use it while you don’t need a phone to use Opay traditional. These are the only differences between Opay mini and Opay traditional, apart from those, Opay mini can do everything Opay traditional can do. Opay mini is also far cheaper than Opay traditional.

How do I contact OPAY customer care if i have any issue
+234 (01) 8888329 (whatsapp)
[email protected] (email)

[email protected] (fraud issue)

[email protected] (legal)

[email protected] (partnership)

How do i log complain on the OPAY POS or platform
You can log any complaint on any issue you have on the POS without having to contact any support. you can log dispense error on the POS after the customer has been debited or go to your app dashboard by navigating to transactions. Under the transaction, click on the affected transaction and at the button, you will see LOG COMPLAINT

How do I log POS debit complain on Opay POS
Kindly take the following steps to log your complaints about failed POS transactions;

Start OPAY POS APP on the POS and go to Transaction Detail.
Select the correct Date which the failed transaction occurred, and click on the transaction.
Click on the Complain Icon to raise order complain.
Enter the Complain reason and Opay will investigate the bank settlement. Opay will credit agent’s wallet if we have the settlement of the declined transaction and Agent should give cash to card holder after it is confirmed that Opay has the settlement. (It may take 2 to 3 days for Opay to finish the investigation).
Thank you!
How do I access my dashboard on OPAY
You can access your account by downloading and logging in to your opay app to access your dashboard and use your phone number and password to log in. if you are not sure of your password, click on forget password

How to reset your password on Opay
To reset your Opay password in case you forget your password, follow the following steps on your Opay app

Click on forget password
An OTP will be sent
input the OTP
Enter your new password and confirm the new password
How to reset your payment PIN on your Opay business app
Kindly take the following steps to reset your payment PIN on your Opay business app
Click on business icon on the home page
Then click on settings at the top right corner
Click on security settings
Then click on Payment PIN
Click on Forgot Payment PIN
Verify your the code sent to your app number
Set a new PIN and reconfirm

How to change the number of Printouts to 2 copies on traditional
To change the number of print out on your Opay POS to 2 copies, follow the following steps:

1, Press the Funtion Key,
2, it takes you to Term Mang

Press 2(Set up para)
Input password 00000000
click 2,(System Para Parameter)
Click enter twice, it will take you to PRINT NUMB
Change to the number of copies to 2 copies, then enter
It will go back to System set up, then cancel
If you are new to the POS Business, Check the strategy I use to make average of #1.7million every month with 20 outlets, in the Pos business here (FREE online course): >>>JOIN FOR FREE NOW>>>

What are the benefits of Using Opay Business app?
Here are more benefits of using Opay Business app

Business owner can monitor sales real time
Ability to send receipt via WhatsApp
Also ability to send receipt as SMS
Ability to send birthdays and wedding anniversary greetings to your clients
Also ability to receive notifications about your stock and inventory
ability to know your best selling products
Also ability to know your regular customers in terms of high paying and frequency of visits
Can OPAY POS check account balance for a customer ATM
You can now use OPAY POS to check customers’ account balances using the customer ATM card. Most customers will want you to help them check their balance for them to know how much is in their account before they withdraw. So you can do that on your OPAY POS


How to print EOD on the opay traditional POS

Here’s how to generate EOD on your Opay traditional POS
Step 1 click on option 5 (opay)
2: Select Query
3: then enter the date you want to print EOD for

Your EOD will be printed

How do i upgrade my KYC level on OPAY
Click on the ME button at the bottom page of your Opay app and on the page, you will see your name at the top and your level. Click on your name and it will show you your level and show you your current level and how to upgrade. Just click on upgrade and input the details.

How secure is OPAY POS and where is OPAY head office
OPAY is licensed by the central bank of Nigeria (CBN), they have several high-level licenses that include the MMO license which authorize them to carry out agency banking services. You can visit OPAY office at Alexander House, Otunba Jobi Fele Way. Ikeja. Lagos, Nigeria. And most often they usually regional offices in some cities and smaller offices around

How to do cardless withdrawal on Opay traditional POS
Kindly follow the steps below to perform cardless withdrawal on the traditional pos.

  1. Press the menu option
  2. Press 5( Opay )
  3. Down arrow cursor
  4. Then Press 7 ( cardless withdrawal )
  5. Input amount- Press 1 to scan the bank list
  6. Press the down cursor arrow button to view more banks
  7. Press enter after the customer is done imputing the USSD on his/her mobile to print the receipt.

How to connect OPAY POS to WiFi hotspot
On the OPay standby interface, press the FUNC key

Select 2 (SYS SETUP)
Then Select 3 (COMM PARAMM)
Select 2 ( TYPE)
Then Select 6 (WI-FI) to change modulation and search for available
wi-fi network.
Note: you can use the ALPHA key to change the password character to
alphabetic letters to set password for selected wi-fi.
You can watch the video below to see how


How to switch Opay POS back to SIM card
To change opay POS settings to SIM card away from the hotspot, follow these steps:

On the OPay standby interface,

press the FUNC key-

Select 2 (SYS SETUP)-

Then Select 3 (COMM PARAMM)-

Select 2 (TYPE)-

Then Select 2 (GPRS) to change modulation

How to download statement of account on Opay
kindly follow the steps below to download your account statement on the Opay user app;


-Login to your app
-Click on ‘Me’
-Then click on transaction details
-Click on the three dot on the top right corner
-Select download
-Then choose the date
-Click on Next
-Then enter your payment pin

What time does Opay Office open and close
Their office service hours are Monday – Friday from 9 AM to 5 PM (WAT)

How can I change my business name on Opay?
To change your business name, you will need to send a mail to Opay Customer support with the following security questions and send them a mail to [email protected] to change your business name;

Old & New Name
Email address used to register
Valid ID
last 5 transactions performed on the App
Phone number
CAC documents(please provide the complete pages of the document)

What you need to know about the new opay pricing
Here are some frequently asked questions about the Opay Bumper July Promo (PROMO already ended check the pricing section above to see updated Opay pricing, still the cheapest in the market)

Q: Does Opay give merchants commission on transaction charges?

A: Yes, currently Opay gives merchants commission on Pos
Withdrawal: Regular 20%, Silver 25%, Gold 30%, Platinum 35%
Bank transfer: Regular 25%, Silver 30%, Gold 35%, Platinum 40%

BUT GOOD NEWS starting from 9th-31st July 2021. Opay will give an extra 10% more commission on every Pos withdrawal.

Q: How does Opay charge for withdrawal transactions?

A: Opay charges 0.6% for withdrawal transactions below N20,000 and N120 flat fee from N20,000 above, but all merchants will get 30-45% rebate commission from these charged instantly. Our Charges are the lowest in the industry when you compare them with other Mobile Money Operators in the market.

Q: Is the Opay commission credited to merchants at the end of the day, week or month?

A: Opay merchants get their commissions INSTANTLY, as they transact on their terminal.

Q: How can I see my commission?

A: The commission is being paid into the merchant’s account and they see this IMMEDIATELY after the transaction.

Q: When can an Opay merchant cash out their commission?

A: Opay merchants can cash out their commission anytime as they want.

Q: As an Opay merchant what is the requirement to qualify for this commission?

A: Merchants don’t have to do anything extra to enjoy the benefits, it cuts across all the categories of the merchants i.e regular, platinum, gold, or silver.

Q. Want to make more money?

Simply increase your transaction on the Opay terminal to make more profit.

Why do so many people like OPAY POS
People like OPAY POS because they are

Low pricing and fair commission
Excellent network reliability
instant settlement
Great customer support and constant network update
Does OPAY have a mobile app
OPAY has a mobile app that you can download on the play store. Just visit play store and type OPAY or click here to download the app now

Does OPay have ATM card? How to apply for Opay ATM card step by step
The opay ATM card gives you cash back on every transaction you do on the card and has no maintenance fee or SMS fee unlike banks atm card. if you don’t have an account with opay yet, click here to create an account now
I have also created a step by step video you can follow on how to get the opay ATM card watch it by clicking on this link here

You can head right over to to get your own Opay ATM now, or watch the video to learn the step by step . For anyone interested in Opay ATM or Opay debit card, this is a great insight into the best way to get Opay debit card right at the comfort of your home.
How to activate new Opay ATM card and change Opay ATM PIN
PIN CHANGE PROCESS (Card Picked –up at Opay Office)
step1. Pick your debit card at Opay Office

  1. Log on to the App, and click ME at the bottom

3 Click on the ‘’Activate card’’ display menu

  1. Input the 16 digits card number on the activate card window

5 Confirm the card number and 4 digits default PIN will be generated

6 Visit any Zenith Bank ATM and change the default PIN to a preferred 4 digits PIN

7 Then Confirm balance or withdraw cash.

Some common errors on Opay POS and their solutions
Account not Outward auth error on Opay
This error usually occur when you did not use your Opay POS for 6 days consecutively., after that, contact your aggregator to help you unfreeze the account

For MPOS perform at least 11 Successful POS withdrawals totaling more than 11,000 in a day

How to check network updates on opay

Kindly note that this means that the terminal did not complete the initialization process. Terminal needs to complete the initialization
process, ensure that there is data on the sim used, then switch off and on the terminal and retry.

Tamper source Voltage high error on Opay traditional POS
You will need to visit the nearest Opay office for further assistance and or replacement

If you are new to the POS Business, Check the strategy I use to make average of #1.7million every month with 20 outlets, in the Pos business here (FREE online course): >>>JOIN FOR FREE NOW>>>

I forget my pattern lock for my opay Android POS machine
You will need to visit the nearest Opay office for further assistance and or replacement (this is FREE)

How to manually update your Opay traditional POS
To manually update the Opay application on the Traditional terminal, the merchant is required to follow the below steps;
Switch on the terminal and wait for the terminal to complete the initialization process, On the OPay interface,
1: Press the FUNC key on the OPay Standby interface.
2: Select EXIT APP and press 1 3:Input the password (00000000) 4: Select 1 (YES) to exit the app.
5: On the App manager, press Cancel to show the TMS features.

6: Select 2 (DOWNLOAD) and wait for the upload process to be completed. Once completed, press the ENTER key to complete the update and wait for the terminal to reboot and complete the initialization process.

Opay Mini Bluetooth is not connecting, solution
Connecting to the OPay mini POS

Ensure the Bluetooth on your mobile phone is turned on. If your Bluetooth is not already turned on at step 5 above, you will be prompted to turn on your Bluetooth on your mobile phone.
Ensure that the OPay min POS is turned on. Press and hold down the power button of the mini POS to turn it on.
On the home screen of the OPay mini POS, you will notice there are two different numbers displayed.
i. BT: This means Bluetooth, the number displayed after BT is the name of the OPay mini POS. Use this in identifying the OPay mini POS from the OPay mini app. Eg BT: MPOS000123.
ii. S/N: This is the serial number of the terminal.
In addition
Download the opay Business app

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List Of Treadmill Models & Prices For Walking/Running/Workouts In Lagos, Nigeria

2 Horse Power Treadmill

2HP Treadmill

The Maximum weight for the 2HP Treadmill is 100kg. That means persons above 100kg should not use it.

The 2HP Treadmill comes with free Dumbbells, massager, body twister, and Mp3 player.

It also has a computer console that tells you the time, distance, speed, pulse(heartbeat rate), and calories as you exercise.

2HP costs N290,000

Discounted price for this month only is N240,000

2.5 Horse Power Treadmill

The Maximum weight for the 2.5HP Treadmill is 130kg. That means persons above 130kg should not use it.

The 2.5HP Treadmill comes with an automated incline function; that means, you can press a button and the Treadmill will begin to incline to make you feel like you are walking/running up a hill.

The 2.5HP Treadmill comes with free Dumbbells, massager, body twister and Mp3 player.

It also has a computer console that tells you the time, distance, speed, pulse(heartbeat rate) and calories as you exercise.

2.5HP costs N390,000

Discounted price for this month only is N340,000

3 Horse Power Treadmill

The Maximum weight for the 3HP Treadmill is 140kg. That means persons above 140kg should not use it. Its bigger than the 2.5HP but has every other feature the 2.5HP Treadmill has.

3HP costs N500,000

Discounted price for this month only is N440,000

4 Horse Power Treadmill

The Maximum weight for the 4HP Treadmill is 150kg. The maximum power size is about 4.5HP.

The 4HP Treadmill has a running area of about 500x1400mm and an approximate speed of about 0.8 to 20km/hr

4HP costs N700,000

Discounted price for this month only is N640,000

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Reliable List Of POS Companies In Nigeria

Now more popular than ever is the word “POS” you may have stumbled upon the word at one point or another. Point of purchase (POS) provides services that help us all withdraw and send funds conveniently. In case you want to get information about some renowned POS agencies in Nigeria, here’s all you need to know. However, let’s have a look at the meaning of POS machines.

What is a POS machine?
The term ‘POS’ stands for point of purchase or point of transaction. It simply means the moment and location in which a transaction is completed. Basically, the POS machine is hardware that processes, documents, and finalizes credit or debit transactions. The POS terminal can come in various kinds ranging from as small as the size of a mobile phone to as large as an exhibition monitor.

POS providers in Nigeria utilize this machine to execute money transactions in retail locations. Also, you can conveniently pay your Utility and electricity bill with a POS machine. Through these providers an individual can learn more about how precisely to start out a POS business efficiently in Nigeria. I will begin with the most preferred company and preference will be listed in the order determined by the better Customer care service, Network performance and stability, the device ease of use and functionality. Therefore, Baxi POS company takes the lead.

S/NPOS NAMEPRICE(₦)Means Of Acquisition
1Baxi Android Smart POS50,000WhatsApp Chat
2Baxi TraditionalNot AvailableWhatsApp Chat
3Baxi MPOSNot AvailableWhatsApp Chat
4Palmpay Button POS30,000WhatsApp Chat
5Palmpay Android POS40,000WhatsApp Chat
6Opay traditional50,000WhatsApp Chat
7Opay Android/Smart65,000WhatsApp Chat
8Moniepoint Button POS25,000WhatsApp Chat
9kudi POS50,000WhatsApp Chat
10Flutterwave POS50,000Call: +234 1-8889595
11Bankly POS60,000WhatsApp Chat
12Paycentre POS60,000WhatsApp Chat
13Surebanka POS65,000WhatsApp Chat
14Accelerex POS60,000WhatsApp Chat
15DOTPAY POS60,000WhatsApp Chat
16Surepadi POS (By Polaris bank)Visit Polaris bank
17Zenith Bank POSVisit Zenith bank
18Access Closa (By Access bank)Visit Access bank
19UBA POSVisit UBA bank
20Union Bank POSVisit Union bank
21Heritage Bank POSVisit Heritage bank
22Stanbic Bank POSVisit Stanbic bank
23GTBank POSVisit GT bank
24Itex POSWhatsApp Chat
25ECOSA POSWhatsApp Chat
26Wema Bank POSVisit Wema bank
27Firstmonie POS (By First bank)Visit First bank
28Opay miniNot AvailableWhatsApp Chat