POS Machine

Top 4 Best POS Machine In Nigeria [2021 Rated]

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Good day guys, today am going to share with you, four of the best POS machine in nigeria. With good commission rate.

Before I flow to the primary reason of this article, let me first share briefly about POS machine.

What is a POS Machine ?

POS is an abbreviation name of point of sale, point of sale machine is a hardware system that allow you to send and receive money, paying bills when you inserted your credit / debit cards in the machine.

There are a lot of companies, banks that offer point of sale(POS) machine at cheap rate or free of charge.

Also Read: How To Get Free POS Machine In nigeria 2021

In this article am going to share with you, the best company and bank that offer free and paid POS machine with good commission rate in nigeria.

Now in nigeria, POS business is a valid way to make money as a small business owner.

POS terminal is the most used in a community that has no banks or automated teller machine (ATM). It’s profitable in those community.

Don’t be confused, it doesn’t serve as bank employees (They called mobile money agent) but they offer bank services with the permission of bank and commission agreement.

What are the best POS machine in nigeria ?

Like I said earlier, I will list for you, four of the most best POS terminal with good commission rate in nigeria. And they are the top and best of POS provider in nigeria.

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Here are the best POS with the best network in nigeria 👇

OPay POS Machine.

Opay POS Machine

OPay is now number one mobile money agent in nigeria [Tested]

OPay is the the abbreviation for Opera Pay. Is a company of Chinese that owned opera mini browser and opera news.

For you to get OPay POS machine, you have to register OPay agent Account. To do this, visit google play store to download the OPay app, and sign up.

Read Also: 5 Fastest Online Loan In Nigeria [ 2021 Reviews ]

After you successful registered, click on account at the right corner of the home page.

You are going to see that you are on “know your customer” (KYC) level 1, scroll down and click upgrade to upgrade to agent level.

As an Opay agent, you will be able to help customer withdraw and transfer money and pay bills. Like:

  • NEPA bills.
  • DStv Subscription.
  • GOtv Subscription.
  • Betting Account deposit.

How Do I Get POS From Opay ?

Getting the OPay POS machine is not just easy as you think. If your OPay account is new, you won’t be able to apply for OPay POS machine.

You may like to read: 5 Online Business You Can Do With Your Smartphones In 2021

From my experience, you will have to executed a few transactions totaling a positive amount before you can apply for POS.

If you manipulate to finish a few transactions they required, possibilities are which you could have tested to the employer that you may be trusted and you can now apply there POS machine for free.

How Do I Get OPay POS Application Form ?


As a trusted agent using OPay app to complete the required transactions, You will now be able to fill OPay POS application form and publish.

Requirements are:
  • BVN number.
  • Utility bill (nepa bill).
  • Well captured Passports.
  • Valid identify card (ID card).
  • Your First Name And Surname.
  • Your Shop or company address.

Once you publish all the requirements, after crossing the threshold, you must be capable of get the free OPay POS machine easily and enjoy your transition. (Opay pos charges 2021 is low)

Monie Point POS Machine.

Monie Point

Monie point is the most reliable, fast and profitable mobile money platform in nigeria.

As a Monie point agent, you will be able to make money by provide banking services to customers.

For more information about moniepoint, read Moniepoint Reviews: All What You Should Know First.

The Monie point will allow you to provide services like:

  • Data top up.
  • Airtime top up.
  • Money transfer.
  • Cash withdrawal.
  • All Bills payment.

Monie point offers there agent two types of transactions channel.

  1. POS.
  2. SmartPOS.

This approach you’ve got the selection to pick the transaction channel you like and start your POS business.

First monie POS Machine.

First monie

First monie own by first bank of nigeria. They are number one trusted bank in nigeria, with high customer.

To become first monie agent and get free POS machine, you have to follow this following requirements.

  1. Open First bank account.
  2. Downloadfirst monie app (Available on Google play store).
  3. Do minimum of ten transaction per day (For two to three months).

Also Read: How To Grow Your business massively and earn more income.

Once you complete this requirement you will be able to get free POS machine from first bank of nigeria.

Kudi POS Machine.


Kudi is an accessable, affordable and profitable mobile money agent in nigeria and they are the best way to earn more income in nigeria as a small business owner.

Kudi was founded in the year 2017 by Pelumi Aboluwarin and Yinka Adewale.

Kudi company offer point of sale terminal (POS). To get yours, Download the Kudi App (Available On Google Playstore) and follow this requirement:

Create an Account with your:

  1. Name.
  2. Phone Number.
  3. Business Name.

And other required details in the registration page.

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Make sure you use a valid Phone Number (why?).

Because the phone number you used to register will becomes your Kudi wallet account number (Just like OPay).

Which will gives you access to log in to your Kudi wallet account.

Like I said earlier, kudi offer free POS machine, but you need to do a few transactions on with their mobile app.

You can now request for a POS from the APP after updating it.


Here are the best POS machine in nigeria with good Commission rate.

This are the four POS terminal am using in my office. And am enjoying there commission rate. Especially OPay POS. That is why I recommend them for you guys.

Recommended Article: Kudi: The Most Affordable Financial Service In Nigeria.

If you have any questions regarding this article, kindly drop your comment and I promised to give an answer to it as soon as i see the comment.

Thanks for reading. If you find this article helpful please share with your friends and family.

Notice: All Naija Mobile Tech Content Will Be Move To Our New Website " www.hundredkey.com" on 15th Of April 2021. While We will turn naija mobile tech to forum. Click here For more info.

53 thoughts on “Top 4 Best POS Machine In Nigeria [2021 Rated]”

  1. Avatar of Tee money

    If I want get moniepoint POS how do I get and where can I get in ogun State and how much is it going to cost me sir

  2. Avatar of Chimex

    Good afternoon sir, I have an account with opay before…..but for very long time now a haven’t been buying things with them…so can I upgrade to agent level since I have the account…. please Whatsapp me 08141232339….and how can I get the POS machine From opay… thanks….

  3. Avatar of Debby

    Please for example, if a customer is withdrawing like #5000, or #10000 or 50000, how much will opay charge me, or if the person is paying in like #5000, #10000 or #45000 how much will opay charge me? Because I don’t understand how they are calculating their percentages
    Thank for your quick response.

  4. Avatar of Yomi

    Hello sir I applied for monie point thru an agent and he said I have to do 35 transaction in a day how true is this, also please what can u say about pay centre pos

  5. Avatar of Adeola

    I downloaded kudi now but whie doing registration it reach tge seesion for picture but it says my picture doesnt match my bvn or update my bvn

  6. Avatar of Collins

    Please, if I buy the Opay POS from their office, will I still be given a target to meet up with? The agent that is to sell the POS to me is giving me a target of 2million to meet up with, if not he will retrieve the machine from me.

  7. Avatar of Ernest

    How can one carry out a pos business without the pos machine, how would one get transactions printed for customers if he’s to do some transactions daily for a period of time before receiving pos machine from pos company

  8. Avatar of Mercy

    Good day sir..i was told i have to register for POS which will take 3-4months before registration is completed..true? And how much is kudi POS machine..and is the charges ok? Thanks alot

  9. Avatar of Thompson

    Does Opay has a minimum monthly or daily limit transactions limit ? Because the person that gives me a POS machine from Opay happens to be an agent and he too told me that there’s a 2million naira minimum transactions that needs to be completed . Please tell me also if it is advisable to start this business using another persons agent account

    1. Avatar of Ibrahim M Damilare

      Opay don’t have minimum transaction monthly or weekly. But you terminal must be active to avoid disactivetion.

      And is not advice able to use another agent terminal. Because all the benefits goes to the owner.

  10. Avatar of Thompson


  11. Avatar of Ejike

    Good day.. pls where do I get Opay or Moniepoint POS?
    And which is the Best?
    And if I get, what does it require of me to be able to start immediately? God bless you as you attend to my questions.

  12. Avatar of Olaide lawal

    Have be trying to register on the opay agent app but all they’re replying is error u.u.uu , please how do i do it successfully

    1. Avatar of Moses

      Since all i need to register opay is 25 to 30k,and you said its free,so what is the need for 250k or 300k again? Which money is that one?

  13. Avatar of Ndifreke

    Kudi has taken my money #20000 for pos and 50000 for deposit is this normal, because the is no there in my account any more

  14. Avatar of Adesegun Solomon Adetutu
    Adesegun Solomon Adetutu

    What can you say about peoples complain that moniepoint hang users fund and not allowed it to reflect in their wallet, especially when the money is above #20000 or thereabout?

    1. Avatar of Ibrahim M Damilare

      Hi Adesegun Solomon Adetutu, this issue can only occurs when there is a bad network, and you will get your money back once you complain to moniepoint technical support team.

      Since August 2020, I only experience this issue once. And it was refunded within 24 hours. When ever you had any issue, make sure you contact moniepoint before taking any action.

    1. Avatar of Ibrahim M Damilare

      Good question! Both Opay and Moniepoint are best because am using them in my office.

      The thing is that moniepoint is fast and new. While Opay is old with a lot of customer. I hope you get my point?

  15. Avatar of Oba

    Please need your respond on this asap, some told me that as a beginner that i can buy opey pos machine to start my own pos biz. Please need ur reply asap

    1. Avatar of Ibrahim M Damilare

      Yes oba. You can buy it and start your POS Business immediately. And you can start using Opay app to do your transaction before you get your POS terminal.

      Note: you must upgrade your KYC level to agent level. To benefit from agent services. If you still have another question, feel free to ask.

  16. Avatar of Oladipupo Temitope
    Oladipupo Temitope

    I wanted to start POS business, which one will you advice that i start with.
    Meanyle, can’t i just purchase one POS machine for myself and register it for business.

  17. Avatar of Henry Alexodo

    Do Opay pay an agent for running with their platform?
    Or is it only the money gotten from customers that the agent gain?

    1. Avatar of Ibrahim M Damilare

      Opay will not pay you for transfer money to banks. The money you collect from your customer is your commission. That’s why they charge low fee for transfer.

      But if you do TV subscription (e.g Starting, GOtv, DStv), or pay bills and purchase airtime or mobile data. They will give you a discount. Apart from the charges you will charge your customer.

      I hope I answered your question, if you have any other questions feel free to ask.

    1. Avatar of dalex

      I heard opay will only give to business which already started doing transaction. this means beginners will not get the pos. Am I right?

    2. Avatar of Ibrahim OS

      Not really. If you just started, you just need to do a few transaction (120k daily. Both deposit and transfer) with their mobile app before you can get the POS machine.

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