For POS agents in Nigeria

You charged ₦300.
You kept ₦131.77.

Card fees, transfer fees, VAT and stamp duty quietly eat into every charge. This app shows what you really keep after each customer, and adds it up for the day, the week and the month.

Start tracking my gain → Free to try. Works on any phone. Made for OPay, Moniepoint, Palmpay and other POS.
CARD WITHDRAW & TRANSFER₦40,000 sent · card charged ₦40,300
Your charge₦300.00
Card fee−₦100.00
Transfer fee−₦18.60
VAT on fee−₦1.40
Stamp duty−₦50.00
Commission back+₦1.77
REAL GAIN₦131.77
CHECKED

Every transaction leaks a little. By month end, it's a lot.

We took five real OPay receipts from a working POS stand: a card withdrawal, two card withdraw-and-transfers, a transfer-in cash-out and a cash deposit. Here's what happened to the charges.

₦2,000charged to customers
₦525taken back in fees, about one naira in every four
₦1,475actually kept as gain

Splitting one withdrawal into two transfers paid stamp duty twice. A ₦3,000 withdrawal kept only ₦80. You can't fix what you can't see.

Five seconds per customer.

Tap the type

Card withdrawal, card withdraw and transfer, transfer in and cash out, or cash deposit.

Type amount and charge

Say how many transfers went to the same app or to other banks. The app knows the fees.

See your real gain

Before you even save. Totals for the day, week and month build up by themselves.

Add it to your phone's home screen like any other app. Once opened, it keeps working even when your data is off.

All four POS jobs, worked out the right way.

Card withdrawal

Customer uses card, you give cash.

₦3,000 · charge ₦100card fee −₦20
gain₦80

Card withdraw & transfer

Customer uses card, you send money.

₦292,000 · charge ₦1,0002 transfers −₦218.23
gain₦781.77

Transfer in, cash out

Customer sends money to you, you give cash.

₦10,000 · charge ₦300fee on money in −₦50
gain₦250

Cash deposit

Customer gives cash, you send money.

₦18,000 · charge ₦300transfer + stamp −₦68.23
gain₦231.77

Sell cement too? Your POS gain stays separate.

Many agents run another business on the same account. The app keeps them apart, so you know what each one really brings in.

POS

Charges minus fees

  • Every card fee, transfer fee, VAT and stamp duty removed
  • Commission added back
  • Gain by transaction type
Your business

Sales minus cost of goods

  • Building materials, provisions, phone accessories, anything
  • Fees on customer payments counted here, not in POS
  • Personal money never counted as gain
"Did you give out cash or goods?"When money comes in and you're not sure what it was, that one question sorts it: cash means POS, goods means business, neither means personal.

Close the day knowing your numbers.

Cash you should have in hand

Enter your starting cash. The app tracks what goes out and comes in, so a shortage shows up the same day.

Day, week and month reports

Total gain, charges collected, fees paid, and how much of your charges the fees took.

Your own fees

Fees differ by POS and by your agent level. Change any figure once, and every new transaction uses it.

Share in one tap

Copy your report and paste it into WhatsApp for a partner, a cooperative or a lender.

OPayMoniepointPalmpayOther POS

Stop guessing. Start counting what you keep.

Set up takes one minute: pick your POS, say whether you run another business, and add your first customer.

Open POS Journal →