Account to account payments. It's time for a modern approach.
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If you run a school, a clinic, a co-operative, or a service business in Nigeria, you know the pattern.
You deliver value now, then spend days or weeks chasing the cash that keeps the doors open. Some customers pay instantly. Others pay after reminders. Too many pay long after you have covered the cost of delivery. That gap between earned revenue and received cash is where small businesses suffocate.
This is not a side story.
MSMEs account for the overwhelming share of Nigerian businesses and a very large share of employment and GDP. When late payments lock up working capital, owners borrow to meet payroll, push back inventory purchases, and miss opportunities because cash is trapped in limbo.
For a school proprietor that might mean delaying teacher salaries or postponing repairs. For a clinic it might mean stretching medicine stock. For a co-op it slows the lending cycle that members depend on.
The national payments landscape shows a different picture. Nigerians have embraced digital rails for everyday value exchange. Instant transfers and other e-payment instruments now carry large volumes each year. Card acceptance is wider, bank apps are better, and many merchants already take digital payments. Willingness and tools exist.
The problem for recurring obligations is not whether customers can pay. The problem is whether they do so on time and without constant human follow up.
Recurring payments often behave like yesterday.
An invoice goes out, a WhatsApp reminder follows, then a second and a third. Parents promise to transfer fees next week. Members say they will renew dues when they get paid. Owners carry the administrative load and the emotional burden. It is fragile by design because memory fails and monthly liquidity swings. Teams spend hours babysitting receivables instead of serving customers.
Nigeria already has the plumbing to make recurring payments act differently. Under the Central Bank framework and NIBSS infrastructure, a customer can give consent for a defined amount and a defined schedule.
With a direct debit mandate in place, the system moves funds on due dates and records a clear trail. The rules require consent, auditability, reminders, and recourse. The rails are not new. They are simply under-used by many consumer-facing SMEs.
Move fee collection or dues from chase to consent and the picture changes. Parents approve once, then pay in predictable installments. Co-op members stay current without monthly nudges. Businesses gain a rhythm that matches payroll and supplier cycles.
Reminders do not disappear, they shift to helpful notifications before each debit. Administration shrinks. Relationships improve because owners stop playing debt collector and return to the role customers value them for.
If the rails exist, why is adoption uneven?
Three reasons recur in field conversations. First, onboarding can feel complex if mandate screens are clunky or unfamiliar. Second, trust requires transparency. People want clear pre-debit alerts and easy pause or cancel options. Third, operators need tools that plug into everyday workflows.
Reconciliation should be automatic. Notifications should be instant. Staff should not need a separate spreadsheet to keep up.
That is the gap we have focused on at OnePipe. We built PaywithAccount to help schools and similar SMEs set up those consents cleanly and collect on schedule through Nigeria’s regulated direct debit system.
The idea is simple. Customers grant permission in plain language. On due dates, funds move from bank accounts to the business account through the trusted rails many Nigerians already use for transfers.
For the operator, the benefits are practical. Cash becomes predictable. Admin becomes lighter. Reconciliation becomes faster. For the customer, control and clarity remain in place.
None of this suggests that late payments will vanish overnight. It does suggest that a country which has
already shifted a huge share of commerce to digital can move a bigger share of recurring obligations from manual to mandated. The change starts with design.
Pick a pilot segment such as returning families who already pay in parts. Offer installments with clear reminders and a visible stop switch. Measure days sales outstanding before and after one term. Share results with parents and stakeholders. Scale steadily.
There is also a role for associations and ecosystem players. School owner groups and co-ops can issue model templates that standardise consent language. Banks and processors can keep smoothing, mandate user experience and dispute handling. Media can highlight practices that keep children in class and keep small businesses solvent.
Policymakers can amplify the message that on time payment is not only a private matter. It protects jobs, keeps services stable, and reduces friction across the local economy.
Predictable revenue is oxygen. When it flows on time, owners plan. When owners plan, teams perform.
When teams perform, communities thrive. That is a change worth making this term.
15.10.2025 08:47Nigeria’s Invoice Gap: Why late payments are stalling small businesses, what can be done about it, by Ope AdeoyeBack-to-school is supposed to be a cheerful rhythm—fresh uniforms, packed lunch boxes, morning assemblies. Yet behind the smiles sits a quieter reality: many school owners are entering a new half-term still carrying last term’s fees. That cash-flow gap slows everything else—payroll, supplies, minor repairs, even the fuel that powers school vans. In practical terms, it’s an SME problem: private schools are small businesses, and small businesses are the spine of our economy. MSMEs account for 96.9% of businesses, 87.9% of employment and 46.32% of GDP in Nigeria, according to the NBS/SMEDAN 2021 survey highlighted in PwC’s MSME report.
Parents are struggling too. The last academic year brought broad cost pressures—from transport to supplies—and multiple outlets reported families under strain as fees rose with operating costs. In response, many proprietors say they’ve gone “softer” to retain pupils, allowing instalments, deferrals and long grace periods. That keeps classrooms full but leaves cash thin. BusinessDay’s reporting captured this carrot approach as a survival tactic, not a strategy.
The macro context matters. Nigeria’s digital payments rails are stronger than ever. In 2023, e-payment values hit roughly ₦600 trillion, up 55% year-on-year, and NIBSS Instant Payments (NIP) transaction value reached about ₦476.89 trillion in H1 2024, up 39% from H2 2023, evidence that Nigerians already trust electronic channels for everyday value exchange. At the merchant layer, acceptance has broadened; a 2024 study commissioned by Visa suggests about 60% of Nigerian retailers now accept digital payments (40% remain cash-only), underlining an economy steadily rewiring itself.
Yet one class of payment still behaves like yesterday: recurring, obligation-style payments, with the school fees paid term after term. Transfers and manual reminders require parents to remember and repeat; if cash is tight in a given week, the “I go pay next week” loop begins. Schools, meanwhile, carry administrative cost and emotional labour: staff time spent compiling ledgers, sending WhatsApp nudges and reconciling bank alerts.
Nigeria already has the plumbing to make recurring payments behave differently. NIBSS Direct Debit (and its Central Mandate Management System) lets a payer grant consent once for a defined amount and schedule; debits then occur on the agreed dates, under bank-grade rules overseen by the Central Bank and NIBSS. The CBN’s guideline on the direct-debit scheme dates back over a decade; it’s not new, it’s simply under-used in many consumer contexts.
What would it look like if more private schools moved fee collection from “chase” to “consent”? In plain terms:
This isn’t theoretical. Across sectors, from utilities to loan repayments, direct debit is the quiet engine that keeps revenue regular. Even NIP commentary from ecosystem players notes the availability of NIP-enabled direct debit for scheduled collections.
Of course, adoption must be sensitive to parents’ realities. Instalments still matter; transparency and easy cancellation matter; and consent is non-negotiable. But the outcome is worth the design work: a school that can plan. A teacher who can rely on payday. A bursar who spends more time budgeting than begging.
At OnePipe, we’ve spent years building connective tissue between businesses and Nigeria’s financial infrastructure. Recently we introduced PaywithAccount, a tool that helps schools (and other SMEs) formalise those consents and collect fees automatically via Nigeria’s direct-debit rails, with clear mandates and reminders built in. It’s not about making parents pay “more”; it’s about making agreed payments happen on time, with their permission, and with less friction. By anchoring collections to the same trusted network that already powers most bank-to-bank transfers, we reduce reconciliation work and the emotional toll of repeated chasing.
Why highlight this now? Because the cash-flow pinch is timely and solvable. Proprietors tell us the mid-term resumption is when arrears and promises pile up. Meanwhile, the national conversation keeps surfacing the ethics and impact of sending children home over unpaid fees. Whatever your seat in that debate, everyone agrees: stability helps schools serve better. Recent stories have shown how fee defaults cascade into salary delays and cutbacks, eroding quality.
The task ahead requires not just product adoption, there’s also a need for behavioural change. Communications should be parent-friendly: plain language, instalment options, reminders before each debit, and a transparent pause/stop process. Schools should start with a pilot cohort (e.g., returning families who request instalments), track results for one term and then scale. And the ecosystem should continue to improve: better bank-level mandate UX, faster dispute resolution and clearer guidance for proprietors.
Nigeria already proved it can leap in payments, our e-payment surge is not a fluke; it’s the compounding result of rails, regulation and user habit. Bringing school fees into that rhythm is the next practical step. For private education to keep teaching while costs rise, predictable cash-in is oxygen. When revenue is regular, schools can plan. When schools can plan, students thrive.
That should be the goal of every stakeholder this term
Guest post by Emmanuel Oboh, Senior Software Engineer at OnePipe, working on the bank integration layer
In a landmark move, the Central Bank of Nigeria (CBN) has granted official regulatory approval for Open Banking, ushering in a new era for the country’s financial sector. During a pivotal industry engagement on April 10, 2025, led by the Director of Payment System Policy, the CBN outlined an ambitious implementation plan — appointing an implementation secretariat, establishing a national oversight steering committee, and inaugurating sub-committees to oversee key aspects such as advocacy, technical specification definitions, governance, legal frameworks, and more. With a nationwide rollout set for August 1, 2025, Nigeria joins pioneers like the UK, EU, and Australia in adopting a framework that has transformed financial services globally.
Open Banking has long been a key discussion point within Nigeria’s fintech space, with stakeholders eagerly awaiting its formalization. Now, as banks prepare for implementation beginning May 1, 2025, the country is poised for a financial transformation. This shift promises greater transparency, heightened competition, and a wave of innovation that will empower millions of Nigerians with cutting-edge financial solutions.
Open Banking is a framework that enables secure data sharing between banks and authorized third-party providers (TPPs) through Application Programming Interfaces (APIs). At its core, it empowers consumers to grant permission for their financial data to be shared with other service providers, fostering a more interconnected and competitive financial ecosystem. Beyond data sharing, in many jurisdictions, Open Banking also includes provisions for payment initiation and the distribution of core banking services over APIs.
Globally, Open Banking has been a catalyst for change. In the UK, where it was introduced in 2018, over 11.4 million payments are now processed monthly — demonstrating its rapid adoption and real-world impact. Similarly, the European Union’s Payment Services Directive (PSD2) has mandated that banks open their APIs, leading to a surge in fintech innovation. Brazil and Australia have also embraced Open Banking to drive financial inclusion and modernize digital financial services.
Nigeria’s adoption of this framework signals its readiness to join these forward-looking markets, unlocking new opportunities for fintechs, traditional banks, and consumers alike.
With Open Banking now officially recognized in Nigeria, the possibilities for businesses and consumers are both vast and exciting.
Gone are the days of cumbersome account openings and lengthy verification processes. Open Banking enables instant Know Your Customer (KYC) checks, allowing businesses to verify identities and assess creditworthiness in real time through access to customer-authorized bank data. This translates to faster onboarding, smoother transactions, and a more seamless user experience.
Additionally, account aggregation will become mainstream, empowering consumers to view and manage multiple bank accounts, investments, and savings products from a single dashboard. This level of financial visibility was previously unavailable to the average Nigerian.
One of the most immediate and visible impacts of Open Banking will be in the payments space. Solutions like PaywithAccount, developed by OnePipe, enable businesses to collect payments directly from customer bank accounts — securely and automatically, with consent. This eliminates the need for cards, reduces manual payment follow-ups, and simplifies reconciliation processes. The result is a frictionless experience for customers and operational efficiency for businesses.
Access to credit has long been a challenge in Nigeria, especially for individuals and small businesses lacking traditional credit histories. Open Banking changes this dynamic by enabling alternative credit scoring models. Lenders can now assess a borrower’s financial health by analyzing transaction histories, cash flow patterns, and spending behaviors.
This capability allows for faster loan approvals, more personalized lending terms, and broader access to credit — particularly for underserved populations.
Perhaps one of the most exciting developments unlocked by Open Banking is the rise of embedded finance — where non-financial businesses integrate financial services directly into their platforms.
Imagine an e-commerce app that not only enables shopping but also offers instant loans, savings products, or insurance — all without redirecting users to a traditional bank. This future is already being shaped by companies like OnePipe through its Banking-as-a-Service (BaaS) platform.
As a pioneer in embedded finance and API-driven banking solutions, OnePipe is uniquely positioned to drive the Open Banking transformation in Nigeria.
From the outset, OnePipe has maintained that “screen scraping and reverse engineering is not Open Banking.” Instead, the company has invested in official Open Banking advocacy and deployed API infrastructure for seven (and counting) partner banks to help them stay ahead of the curve. These banks are now well positioned to lead in Open Banking monetization.
By standardizing API protocols and removing technical friction, OnePipe enables financial institutions to focus on innovation rather than regulatory compliance.
With PaywithAccount, OnePipe is showcasing the power of account-to-account payments as a viable alternative to traditional card payments. This solution enables merchants to “pull” transfers directly from customers’ bank accounts, reducing dependency on cards and lowering transaction costs — a clear win for both businesses and consumers.
As Open Banking becomes the standard, it will supercharge solutions like PaywithAccount by providing broader interoperability and security assurances.
OnePipe’s infrastructure also supports cooperatives, trade associations, and informal networks with tools for digital finance. Platforms like Growtrade.io, which connects distributors and retailers with credit, payment, and inventory tools, highlight how OnePipe is enabling sector-specific fintech innovation tailored to Nigeria’s unique market dynamics.
The CBN’s approval of Open Banking is just the beginning. In the coming years, we can expect:
OnePipe is committed to remaining at the forefront of this revolution — offering the infrastructure, expertise, and visionary leadership needed to unlock Open Banking’s full potential in Nigeria.
The CBN’s Open Banking approval is more than just a regulatory milestone — it’s the foundation for a more inclusive, efficient, and innovative financial future. For businesses, it’s a chance to reimagine their financial operations. For consumers, it brings greater control, convenience, and access to financial services.
As Nigeria steps boldly into this new era, OnePipe stands ready to empower banks, fintechs, and enterprises with the tools to thrive in an Open Banking-powered economy.
See how PaywithAccount can help your business
A Conversation with Akin Olunloye, Product Lead at PaywithAccount
From school admins and salon owners to cooperative treasurers and delivery riders, many Nigerian business owners are stuck in the same frustrating loop—doing the work, delivering value, then waiting endlessly to be paid.
It’s not just annoying—it’s stressful, costly, and downright draining. And with the economy throwing curveballs left and right (hello, fuel prices and inflation), delayed payments can knock a small business off balance fast.
We sat down with Akin Olunloye, Product Lead of PaywithAccount at OnePipe, to talk about Nigeria’s payment culture problem—and how a bit of structure can go a long way in turning that around.
Akin: Honestly, a lot of it comes down to how we do business here—lots of informal arrangements, verbal commitments, and good ol’ trust. Which is beautiful in some ways, but also… chaotic.
People often see paying you as optional—or something they’ll “get to eventually.” Meanwhile, you’ve already spent money on fuel, supplies, salaries… and now you’re stuck waiting. That waiting creates a vicious cycle: business slows down, cash flow dries up, and everyone’s just firefighting.
Akin: 100%. Every hour you're calling, texting, or WhatsApping a customer about payment is an hour you’re not working on your business. It wears you out.
We’ve seen school owners dipping into personal savings just to pay teachers because parents haven’t paid fees. We’ve seen artisans turning down new gigs because old clients still owe them. That’s real money and energy going to waste—and it builds resentment too.
Akin: Exactly. Delayed payments have always been around, but now the economic pressure is heavier. A small delay can ripple through a business—supplier doesn’t get paid, staff gets delayed, the whole thing slows down.
Plus, expectations have changed. People want things fast, but we’re still using outdated systems to collect money. It creates a mismatch that just doesn’t work anymore.
Akin: Think of PaywithAccount like a friendly payment autopilot. It lets businesses or cooperatives set up a direct debit mandate, where customers give permission for you to collect recurring payments straight from their account—no reminders, no chasing.
It’s like a standing order, but much simpler and more tailored for Nigerian businesses. No complicated bank drama, no custom tech setups. Just smooth, structured collections.
Akin: Honestly? It’s been amazing. We’ve seen cooperatives that used to beg for dues every month now collecting 90% of them on time. Caterers are setting up milestone payments with clients. Gym owners, schools—you name it.
What’s even better is the feedback: people feel respected. Customers know what’s coming and when. Treasurers aren’t stressed. Everyone wins.
And business owners suddenly have time again—time to think, plan, build. That’s huge.
Akin: That’s a valid concern, and we totally get it. But here’s the thing: every mandate is 100% authorized by the customer. It’s clear, revocable, and transparent.
We don’t do sneaky stuff. The idea is to create mutual peace of mind—not trap anyone. And once people use it, they love it. No more awkward payment chasers. Everyone knows what’s expected, and when.
Akin: Because people are tired. Hustling non-stop is exhausting, especially when you’re constantly cash-strapped because someone hasn’t paid.
Nigerians want structure. They want tools that help them look and act like the professionals they are. PaywithAccount gives them that. It helps you say: “I’m not just hustling—I’m building something real.”
And trust me, your clients feel that shift too.
Akin: Cooperatives are a lifeline in Nigeria. They help people save, access loans, and support their families. But a lot of them are still running on WhatsApp groups and handwritten ledgers.
We’ve worked with treasurers who use personal accounts and physical notebooks to track payments. That system breaks fast. With PaywithAccount, they can collect dues automatically, get real-time notifications, and operate more like micro-finance outfits—but without losing the community vibe.
It’s about formalizing without losing the soul. That’s super important.
Akin: I’d love to see us stop treating late payments like they’re normal. They’re not. They’re risky, stressful, and they kill momentum.
I want more small businesses to feel like they’re allowed to be structured. You don’t have to wait till you’re “big” to behave professionally. Tools like PaywithAccount help you grow with dignity, consistency, and less chaos.
If we all start expecting timely payments—and making it easy for people to pay—then we’re building a healthier, more sustainable business environment from the ground up.
Akin: Just try it with one customer. Seriously—pick someone you trust and set up a simple mandate. You’ll see how much smoother it feels.
You deserve to be paid on time. You work hard, and structure shouldn’t be a luxury. It should be part of how we do business—whether you’re running a big company or a small outfit.
Start small. Set up systems. That’s how businesses grow.
See how PaywithAccount can help your business
Running a business in Nigeria is already a full-time hustle—you don’t need the extra stress of chasing payments on top of it.
But let’s face it: too many business owners are doing just that. You're calling customers, sending "just checking in" messages, and refreshing your banking app like it's a slot machine.
And you’re not alone. According to a PwC report, nearly half of Nigerian SMEs deal with delayed payments. That delay messes up your cash flow, slows down your operations, and keeps you in constant survival mode instead of planning for growth.
But here’s the good news: you can get paid on time without turning into a debt collector. Here are 7 simple ways to make that happen—and number 7 is a game changer.
You’d be surprised how many payment delays happen because… no one was really sure when the money was due.
Fix that by setting clear payment terms from the get-go. Whether it’s an invoice for your service or fees for a school term, spell out the due date, payment methods, and (nicely) what happens if it’s late.
When people know what’s expected, they’re way more likely to pay up on time.
Don’t wait till the end to collect everything. Instead, ask for part of the payment before you start.
Running a catering business? Ask for 50% before you buy the ingredients. Managing a school? Break fees into manageable installments. When customers have already put money down, they’re more committed—and less likely to ghost.
People forget. Life happens. Bills pile up. A little reminder can go a long way.
Instead of chasing each person one by one, set up automatic reminders through SMS, WhatsApp, or email. If you run a gym, cooperative, or subscription-based service, this is especially powerful. It’s like saying “Hey, just a heads up—your payment’s due soon” without lifting a finger.
Why not celebrate the folks who always pay on time?
Offer early payment discounts, shoutouts, or even priority service to your most reliable customers. It sets a positive tone and makes others want to earn that VIP treatment too.
Schools can offer discounts for early fee payment. Cooperatives can throw in a bonus for consistent contributors. A little incentive goes a long way.
Everyone loves a good deal. Even a small discount can nudge people to pay sooner rather than later.
Offer 5% off for early school fees, or a slight rent discount for tenants who pay ahead. People will jump at the chance to save, and your cash flow will thank you.
On the flip side, late fees can be a gentle push in the right direction—if you handle it right.
Be upfront about any late payment penalties and give customers a fair grace period. It’s not about punishment—it’s about encouraging better habits. Just keep it respectful and consistent.
A tailor might add a daily late charge for unpaid balances. A cooperative might apply an admin fee after a certain date. The key: communicate it clearly, and stick to it politely.
Let’s be real: even with all these tips, manually managing collections is still a time-suck. That’s why we built PaywithAccount—a tool designed to take this stress off your plate completely.
With PaywithAccount, customers give you one-time permission, and we handle the rest. Recurring payments are deducted automatically—no follow-ups, no delays, no “I'll send it later.” Just smooth, reliable cash flow every time.
Whether you're running a school, a cooperative, a gym, or offering services—PaywithAccount keeps your payments on track, so you can focus on the actual business.
You didn’t start your business to become a professional payment chaser.
And now, you don’t have to be.
With the right systems and a few smart strategies (hello, PaywithAccount 👋), you can get paid on time, every time—without the stress, the follow-ups, or the awkward reminders.
Let’s make late payments a thing of the past. You’ve got better things to do—like building that empire.
See how PaywithAccount can help your business
How Cooperatives Are Swapping Notebooks for Peace of Mind
— and why more are choosing tools like PaywithAccount
Let’s be honest: running a cooperative in Nigeria isn’t for the faint of heart. Between tracking dues, chasing payments, and trying to balance the books with a biro and a ledger, it's a wonder how our cooperative treasurers manage to stay sane.
A recent 2024 study from Nnamdi Azikiwe University really hit the nail on the head—over 70% of cooperatives across Nigeria are still using handwritten records and good old cash to keep things going. As you can imagine, that opens the door to all sorts of drama: missed payments, arguments over contributions, even outright theft. Yikes.
For millions of Nigerians—especially in underbanked communities—cooperatives aren’t just helpful, they’re essential. They're how people save, borrow, and support each other financially. But when things get messy (and they often do), it puts everyone at risk.
Take Iyabo Adebayo in Ibadan, for example. She’s the treasurer of a 70-member women’s cooperative. “We use notebooks and WhatsApp to track payments,” she says. “If someone misses a payment, I spend days following up. Sometimes, I just give up.”
Totally understandable.
This isn’t just Iyabo’s struggle. That same study showed that during busy times—like June, when many cooperatives do their audits—manual tracking slows everything down and raises the chances of people defaulting. That means less money for loans, more tension, and a whole lot of unnecessary stress.
But here’s the good news: a growing number of cooperatives are making the switch to automated tools like PaywithAccount—our very own direct debit solution that makes regular payments a breeze.
Instead of chasing folks down or sending weekly reminders on WhatsApp, members just give a one-time authorisation and boom—dues get collected automatically each month. Easy for members, a dream come true for treasurers.
“We switched to mandates, and collections became smoother overnight,” says Emeka Chukwu, who helps manage a transport workers’ cooperative in Enugu. “No more excuses. Everyone knows what to expect.”
We love to hear it.
As our Chief Plumber, Ope Adeoye, puts it:
“When treasurers spend more time chasing payments than managing money, the whole system starts to suffer. We're seeing more and more cooperatives pick up tools like PaywithAccount because people want something structured—and trustworthy.”
Honestly, it just makes sense. When payments are predictable, planning becomes easier. More members can access loans, savings grow steadily, and everyone breathes easier.
So as cooperatives across the country gear up for mid-year audits and dividend season, now’s the perfect time to say goodbye to handwritten ledgers—and hello to peace of mind.
Ready to make the switch? Let’s talk. 💬
See how PaywithAccount can help your cooperative
Private businesses know the struggle:
"And we’re tired of chasing payments like it’s hide-and-seek" paywithtransfer.com
That’s exactly why we developed PayWithAccount—a no-nonsense payment platform that allows businesses to:
Head over to PayWithAccount (powered by OnePipe under CBN license), sign up, and:
Let this platform do the chasing—not you.
21.7.2025 21:16And We're Tired of Chasing Payments Like It's Hide-and-SeekLet’s be honest:
On any school premises—public or private—you’ve likely seen the banner:
“No Payment, No Entry.”
It’s a painful, all-too-common reality. With unpaid fees, the school gates turn into barriers, not just for students but for dignity.
Imagine a student standing at the gate,
their fees not yet settled—
their eyes hoping for permission rather than exclusion.
The message might be aimed at parents, but the weight falls on children.
They carry the burden of shame and the harsh reminder that “I’m not good enough until the fees are paid.”
There is a better way to handle it:
Truth in Communication
Instead of veiled signs, say:
“Fees for Term 2 (Amount) are due on (Date)—click to pay.”
Tools like Transfer let you embed clear, convenient links directly in email or WhatsApp.
Dear school owners, you don’t need to lead with "No Entry."
Lead with clarity, convenience, and respect.
Lead with PaywithAccount.
That’s how you build better communities—and smoother administration.
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School owners are happy
Parents are happy
Why Are Nigerian Businesses Still Chasing Payments?
Let’s fix this cash flow chaos—one direct debit at a time.
If you’ve ever run a small business in Nigeria, you’ve probably had this experience: You deliver your product or service perfectly… and then spend weeks (or months) trying to get paid.
Sound familiar?
You're not alone. From schools and salons to logistics companies and cooperative societies, late payments are one of the biggest headaches Nigerian businesses face today. And it’s not just annoying—it can seriously mess up your entire cash flow.
For a lot of SMEs, getting paid takes anywhere from 60 to 120 days. Yep. That’s two to four months of waiting—while bills pile up, staff expect salaries, and restocking becomes nearly impossible. It’s a cash flow rollercoaster, and it’s exhausting.
Just ask Mrs. Agbaje, a school owner in Ibadan. Every term, she reminds parents to pay school fees, but payments trickle in at snail speed. By mid-term, she’s dipping into her own pocket to pay teachers and buy learning materials. Sound fair? Not at all.
Or take a logistics company. A single client delaying payment by a week could ground their operations—affecting deliveries for everyone else. Delayed payments don’t just slow down one business—they ripple across entire networks.
The short answer? Old-school payment methods.
A lot of businesses still rely on cash, manual transfers, or even—brace yourself—handwritten records. Not only are these methods slow and chaotic, they’re also super unreliable.
Meanwhile, business owners are stuck sending payment reminders, screenshotting account numbers, cross-checking bank apps, and praying for alerts. Honestly, it's too much.
Here’s the good news: technology has entered the chat.
That’s why we built PaywithAccount—a simple tool that lets business owners automate collections. Your customers give a one-time permission, and their payments are automatically deducted at the right time. No more awkward reminders, no more ghosting, no more “my app didn’t go through.”
It’s stress-free for the business. It’s predictable for the customer. Win-win.
Since launching, we’ve seen it help all kinds of businesses—schools, transport cooperatives, service providers, even religious organisations. People are tired of chasing payments. And we don’t blame them.
Here’s a stat to chew on: SMEs make up 48% of Nigeria’s GDP and employ over 80% of the workforce. So yeah, they’re kind of a big deal.
But if these businesses are constantly cash-strapped because of delayed payments, how are they supposed to grow? Or even survive?
This issue is personal to many of us. Everyone knows someone who owns a small business—your sister who runs a fashion brand, your dad’s mechanic, your neighbour’s catering biz. When their cash flow suffers, entire households feel it.
We can’t afford to keep ignoring this.
At OnePipe, we believe payments should just work.
You shouldn’t have to beg or babysit customers to get what you’ve earned.
With PaywithAccount, we’re giving business owners a better way:
✔️ Easy setup
✔️ Direct debit from customers’ bank accounts
✔️ Less stress, more structure
No more guessing. No more reminding. Just smooth, reliable payments—on time, every time.
So if you’re tired of chasing money and ready to start planning like a boss, maybe it’s time to give PaywithAccount a spin.
See how PaywithAccount can help your hustle