Subscription payments failing is almost a universal problem in Nigeria. One minute you’re settling in to watch your favourite show. The next minute, Netflix has logged you out with the dreaded message: “Payment unsuccessful.” It’s not just Netflix. Spotify. Canva. Coursera. Amazon. Even simple in-app purchases.

In this guide, I’ll show you—step by step—how to launch a POS business as a student using nothing but your phone and Nearpays SoftPOS. It’s faster than you think. And honestly, it’s one of the easiest side hustles on campus right now.

Learn how to succeed on Upwork and keep more of your earnings. Discover why a Nearpays USD Account is the first step to earning, saving, and spending in dollars.

Scaling a business shouldn’t feel like adding another zero to your expenses. Yet, across Africa, many small and medium-sized businesses are stuck in that exact cycle, spending more to grow, but earning less in the process. Here’s a startling fact: over 70% of African SMEs still rely on costly, hardware-based payment systems that eat into their margins and limit how fast they can expand. It’s a system built for yesterday’s economy, not today’s. That’s where Nearpays steps in.

There’s a quiet leak in many businesses today. You won’t hear it. You won’t see it at first. But you will feel it—usually at month-end—when the numbers refuse to add up. Recent reports indicate that businesses across Africa lose billions of dollars every year to transaction errors, fraud, and operational blind spots. What’s surprising is that most of these losses occur during normal day-to-day operations, not during major crises. This is the cost of running a business without real-time visibility. And it’s a bigger problem than most owners realize.

Learn how to shop online safely with a virtual dollar card. Protect your funds and shop globally with Nearpays secure digital card.

What if your phone could do more than take calls, post updates, or scroll through social media? What if it could power your business, accept payments, and grow your revenue, all without a single POS machine?

You no longer need a U.S. visa to bank like an American. That might sound bold, but it’s true. For years, freelancers, business owners, and parents sending their children to study abroad have struggled with one thing: access to reliable foreign banking services. Wire transfers take days, conversion rates fluctuate wildly, and local banks make international payments feel like a maze...

Money moves the world, but moving money across borders has always been a challenge for Nigerians. High fees. Delays. Hidden charges. Complicated paperwork. For freelancers, SMEs, parents paying school fees abroad, or businesses paying international suppliers, the struggle is real. That’s why we built Nearpays FX.

Micro-savings means setting aside small amounts of money over time. Simple, right? But the impact is massive. For low-income earners, informal workers, and everyday hustlers, this is often the only practical path to building financial stability.