Best POS machines in Nigeria 2025

Point of Sale (POS) machines have become essential tools for businesses in Nigeria, especially with the country’s increasing shift towards cashless transactions.

Whether you’re running a supermarket, pharmacy, restaurant, boutique, or even a roadside store, having a reliable POS machine helps you accept card payments, monitor inventory, track sales, and manage customer service efficiently. In 2025, with more businesses embracing digital transformation and mobile banking, choosing the best POS machine is vital for smooth operations.

Best POS Machines in Nigeria 2025

Here are some of the top-rated POS machines in Nigeria as of 2025, based on performance, reliability, support, and affordability:

1. OPay POS

Why it stands out: Very popular due to fast transaction speed and competitive charges.

Features: Durable hardware, real-time transaction history, easy access to loans.

Charges: ₦10 flat fee for withdrawals under ₦5,000; low charges for higher amounts.

Target users: Small businesses, mobile agents, retailers.

2. Moniepoint POS

Why it stands out: Reliable uptime and widespread agent network.

Features: Instant settlement, user-friendly dashboard, 24/7 support.

Charges: Flat rate of ₦6.20 for ₦1,000; ₦20 for ₦5,000 withdrawals.

Target users: Agents, SMEs, and high-volume merchants.

3. PalmPay POS

Why it stands out: Offers one of the lowest transaction charges in the market.

Features: Smart POS devices, seamless mobile app integration.

Charges: As low as 0.5% per transaction, with caps.

Target users: Growing businesses and retail shops.

4. Baxi POS (by MFS Africa)

Why it stands out: Versatile functions – bills, airtime, transfers, and payments.

Features: Android POS, customizable reports, multi-service platform.

Charges: Flat ₦10 to ₦20 per transaction.

Target users: Multi-service agents and vendors.

5. Kudi POS (Now Nomba POS)

Why it stands out: Excellent user interface and fast deposits.

Features: Digital business tools, receipt printing, and free software updates.

Charges: As low as 0.6% per withdrawal.

Target users: Medium-scale merchants and service providers.

6. Bank POS Terminals (e.g., GTBank, Access Bank, Zenith, First Bank)

Why they stand out: Directly integrated with your bank account.

Features: Secure transactions, 24/7 customer support, custom charges.

Charges: Vary by bank; may include monthly fees.

Target users: Established businesses with higher transaction volume.

Choosing the Best POS for Your Business

When selecting a POS machine in Nigeria, consider:

Transaction speed and uptime

Charges per transaction

Support and maintenance

Device durability and features

Availability of loans or commissions