₦ NaijaCalc
AdvertisementAd slot reserved — add your AdSense client ID to config.json

POS Business Profit Calculator (Nigeria)

A POS business looks like free money from the commission rate and is often not. Three things eat it: the super-agent takes a cut before you are paid, every withdrawal has to be funded from capital you are probably borrowing, and moving bank balance into drawer cash costs money each time. This charges all three, so the profit it shows is the one you can actually bank.

💳  Calculator

₦15,848

monthly return on the capital you have tied up: 2.4%

Profit per month ₦15,848
Profit per transaction ₦7.62
Monthly return on capital 2.4%
Transactions per month 2080
Total value handled ₦16,640,000
Gross commission ₦158,080
Super-agent's cut ₦63,232
Commission you keep ₦94,848
Cost of funding the float ₦26,000
Cash-out costs ₦15,000
Expected losses ₦4,000
Rent, data, power and other ₦34,000
Total monthly costs ₦79,000
Capital tied up ₦650,000
Float cost as a share of commission 27.4%

Profit of ₦15,848 a month on ₦650,000 of capital tied up — a 2.4% monthly return before anything you cannot plan for.

Works without JavaScript — the figures above are a worked example using the default values.

AdvertisementAd slot reserved — add your AdSense client ID to config.json

Before you rely on this

  • Commission rates differ between banks, aggregators and super-agents, and change without notice. The defaults here are typical, not current — check your own agreement before trusting the result.
  • The float is the input that decides this business. If you are borrowing to fund it, a rate that looks small monthly is a large annual cost, and it is charged on capital you cannot spend.
  • This does not cover a machine you have not yet paid for, registration or licensing costs, or the risk that your aggregator changes terms. Treat the first year separately from the steady state this models.

How this is calculated: Calculator logic in assets/js/calc-core.js, verified by the test suite in tests/calc-core.test.js. Rate inputs are prefilled from the figures below. · Data as of 2026-09-10
Prefilled rates are national reference values. Your own receipt, payslip or pump price always overrides them.

Frequently asked questions

How much does a POS business make in Nigeria?
It depends almost entirely on transaction count and the cost of your float. A location doing 80 transactions a day at an average of ₦8,000, keeping 60% after the super-agent, can clear roughly ₦16,000 a month after float, cash-out and overheads. Double the volume and the profit roughly doubles, because the fixed costs do not.
How much capital do I need to start a POS business?
Most agents run between ₦500,000 and ₦1,500,000 of working capital split between drawer cash and bank balance, before the cost of a machine and any shop. The binding constraint is usually having enough cash on hand to serve withdrawals without turning customers away.
Why does the cost of the float matter so much?
Because the money sitting in your drawer and your account earns nothing but costs something. At 5% a month, ₦800,000 of float costs ₦40,000 a month — which can exceed the entire commission from withdrawals. Agents who borrow to fund the float are often funding their aggregator's profit rather than their own.
Is it better to be under a super-agent or direct?
Going direct keeps more of each transaction but usually comes with higher targets and your own compliance burden. Under a super-agent you keep less per transaction and get support, settlement and a machine. Work out both: the difference in the share you keep, multiplied by your real monthly volume, is the number to compare.

More calculators

Take-home pay PAYE, pension and NHF under the Nigeria Tax Act 2025. Rent affordability What rent you can afford, and the lump sum the advance really costs you. Generator cost What your generator really costs per day, month and year. Electricity bill What your units should cost on your NERC band, with VAT. Solar sizing Panels, battery and inverter sized from your actual appliances. Gen vs solar Payback period and total cost of ownership, side by side.