₦ NaijaCalc

POS Business Profit Calculator (Nigeria)

Estimate monthly POS profit from the transaction volume, commission share, float-funding cost, cash-outs and operating expenses you enter. Prefilled values are editable scenarios—not observed averages or verified agent rates—so use your own agreement and records.

💳  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.

Before you rely on this

  • Commission rates and revenue shares depend on the provider, aggregator or super-agent agreement and can change. The editable defaults are illustrative scenarios, not verified current market rates; check your contract and records.
  • Drawer cash and bank balance are working capital tied up in the business. Enter your actual funding or opportunity cost; the result is sensitive to this assumption and is not a lending quote.
  • This models ongoing monthly operations only. It excludes an unpaid machine, registration or licensing costs, and other first-year setup expenses; include those separately when assessing startup.

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
Monthly profit is scenario arithmetic from the transaction volume, commission share, float funding, cash-outs and operating expenses entered. Prefilled values are editable examples, not an agent survey, verified industry average or current agent quote.

Frequently asked questions

How much does a POS business make in Nigeria?
There is no single earnings figure for every location. Enter your own transaction volume, values, withdrawal mix, commission share, float cost and expenses. The result is scenario arithmetic, not a wage figure or profit guarantee.
How much capital do I need to start a POS business?
This calculator does not provide a reliable startup amount or market minimum. It models the drawer cash, bank balance and ongoing costs you enter, but excludes equipment, registration and other setup expenses. Estimate the float from expected customer withdrawals and your own provider terms.
Why does the cost of the float matter?
Cash and bank balances reserved for transactions tie up working capital. The calculator applies the monthly funding or opportunity cost you enter to that amount; use your own figures. Prefilled values are editable scenarios, not quoted borrowing rates.
Is it better to be under a super-agent or direct?
Compare agreements you can actually obtain: revenue share, fees, targets, settlement, support and compliance obligations. Enter the relevant share and costs for each scenario; the calculator does not determine which arrangement is best.

More calculators

Take-home pay PAYE, pension and NHF under the Nigeria Tax Act 2025. Rent affordability Compare the recurring budget with your entered upfront costs and savings. Generator cost What your generator really costs per day, month and year. Electricity bill Check units, tariff and VAT using your receipt or a dated, jurisdiction-specific schedule. Solar sizing Panels, battery and inverter sized from your actual appliances. Gen vs solar Simple payback, replacement-aware break-even and modelled costs.