Choosing between OPay POS and Moniepoint POS for your business

Choosing between OPay POS and Moniepoint POS is not simply about finding the terminal with the lowest charges.

For a Nigerian business owner, the wrong POS terminal can cause serious problems. A customer may be debited while your account is not credited. A withdrawal may remain pending when several customers are waiting. Your terminal may stop printing receipts, or you may struggle to contact support when you need help.

These problems can cost you money and damage the trust customers have in your business.

That is why this OPay POS vs Moniepoint POS comparison focuses on the factors that truly matter:

• Network reliability
• Withdrawal and transfer charges
• Terminal acquisition cost
• Settlement speed
• Failed transaction handling
• Customer support
• Terminal repair and replacement
• Business management features
• Security
• Suitability for different Nigerian businesses

It is also important to understand that there are two main types of POS users.

The first is a POS agent who provides withdrawals, deposits, transfers, airtime purchases and bill payments. The second is a merchant, such as a supermarket, pharmacy, restaurant or fashion store, that mainly uses a POS terminal to collect customer payments.

The best provider for a full-time POS agent may not necessarily be the best option for a small retail shop.

So, between OPay POS and Moniepoint POS, which one is more reliable and suitable for your business?

Let us compare them properly.

OPay POS vs Moniepoint POS: The Quick Answer

Moniepoint is the better overall option for most full-time POS agents and high-volume Nigerian businesses.

It has a clear terminal acquisition process, publicly available pricing, a dedicated Business Relationship Manager, strong business banking tools and a well-structured system for handling terminal problems.

Moniepoint is particularly suitable for:

• Full-time POS agents
• Businesses processing many daily transactions
• Market traders and wholesalers
• Filling stations
• Supermarkets
• Businesses that need detailed transaction records
• Operators who value field support

However, this does not mean OPay POS is a bad terminal.

OPay is a strong option for small merchants, new operators and retailers that want payment collection combined with store and employee management tools.

OPay may be more suitable for:

• Small shops and mini-marts
• Restaurants
• Pharmacies
• Fashion stores
• Businesses with multiple employees
• Merchants already receiving many OPay transfers
• New operators who receive an attractive terminal offer

The better option can also depend on your location. A terminal that performs well in Lagos Island may not give the same experience in a rural community in Benue, Abia or Taraba State.

Before making your final decision, ask agents and business owners around your location which provider works better there.

Ready to open an account with either platform?

Open an OPay account and explore its business services, or create a Moniepoint account for your business.

Applying for a POS terminal may still require additional verification after you open the account.

OPay POS vs Moniepoint POS at a Glance

Feature	OPay POS	Moniepoint POS
Best for	Small retailers and businesses needing management tools	Full-time POS agents and high-volume businesses
Terminal acquisition cost	Varies by terminal, offer and merchant category	₦21,500 currently published
Withdrawal charges	May depend on merchant level and current assigned rate	0.5% up to ₦20,000 and ₦100 above ₦20,000
Transfer charges	Can vary; some services are advertised from as low as ₦10	₦20 for interbank transfers
Settlement	Instant settlement advertised	Instant settlement advertised
Dedicated field support	Support agents and business representatives	Dedicated Business Relationship Manager
Terminal repair	Repair and swap services available	Terminal swap handled through support or Relationship Manager
Business tools	Store, branch, employee, product and inventory tools	Business account, statements, cards, reports and working capital
Rewards	Airtime discounts, vouchers and periodic promotions	Transaction-based cashback tiers
Reliability advantage	Strong payment ecosystem	Better overall case for high-volume POS operations
Overall verdict	Best for integrated retail management	Best overall for agency banking

Charges and promotions can change. Always check the current fees shown in your OPay or Moniepoint Business app before completing a transaction or paying for a terminal.

What Is the Difference Between OPay POS and Moniepoint POS?

Both companies provide POS terminals and financial services, but their business focus is slightly different.

What Is OPay POS?

OPay POS is part of the wider OPay payment ecosystem.

The company provides personal accounts, transfers, bill payments, airtime purchases, debit cards, merchant payments and other financial services. Its business products allow merchants to accept payments and manage different parts of their operations.

OPay Business promotes features such as:

• POS payment collection
• Transfer collection
• Real-time transaction records
• End-of-day reports
• Branch management
• Employee management
• Customer management
• Settlement configuration
• Online payment collection
• Business performance reporting

OPay also says its POS terminals provide fast payment processing, durable hardware, strong batteries and automated dispute resolution.

This makes OPay more than a terminal for withdrawals. It can also work as part of a broader payment and retail-management system.

What Is Moniepoint POS?

Moniepoint places a stronger emphasis on business banking, merchant payments and agency banking.

A Moniepoint business owner can use the platform to:

• Accept card payments
• Receive POS transfers
• View transaction histories
• Generate business statements
• Manage expenses
• Request business cards
• Monitor business performance
• Access eligible working-capital products
• Resolve disputes
• Communicate with a Relationship Manager

Moniepoint currently offers a Smart POS for medium and large businesses with heavier transaction flow and an mPOS for smaller businesses. Its official POS page also advertises instant settlement and assigns a dedicated Relationship Manager to eligible terminal applicants.

The main difference can therefore be explained this way:

OPay combines payment collection with broad retail-management tools, while Moniepoint focuses more heavily on business banking, agency banking and structured merchant support.

How We Compared OPay POS and Moniepoint POS

This comparison is based on the areas that directly affect the daily operation of a Nigerian business.

They include:

1. How much it costs to obtain the terminal
2. How easy the application process is
3. Withdrawal and transfer charges
4. Transaction success and network reliability
5. Settlement speed
6. Failed transaction handling
7. Reversal procedures
8. Terminal maintenance
9. Customer support
10. Business-management features
11. Security and regulation
12. Suitability for different business types

However, no POS provider controls every part of a transaction.

A POS payment may pass through the terminal provider, the customer’s bank, the card network, a payment processor and national switching infrastructure. A problem at any stage can delay or stop the transaction.

Local mobile-network coverage can also affect performance. This is why no responsible comparison should promise that one terminal will work perfectly in every Nigerian location.

OPay POS vs Moniepoint POS Terminal Cost and Acquisition

The cost of obtaining a terminal is usually one of the first things new business owners consider.

However, you should not look at the terminal price alone. You must also consider the caution fee, logistics cost, insurance, transaction requirements and whether the terminal remains the property of the provider.

How to Get an OPay POS Terminal

The general process of getting an OPay POS terminal involves:

1. Opening an OPay account
2. Completing the required identity verification
3. Registering or upgrading to an OPay Business or merchant account
4. Submitting a POS application
5. Providing information about your business
6. Waiting for approval or contact from an OPay representative
7. Paying any applicable fee requested through an authorised channel
8. Receiving and activating the terminal

OPay advertises POS terminals for different business needs. It has also promoted free POS offers for merchants at different times.

However, “free POS” does not always mean that there are no conditions.

You may still be required to:

• Maintain a certain transaction level
• Operate from an approved location
• Complete business verification
• Pay a caution or logistics fee
• Return the terminal if you stop using it
• Meet the requirements of a particular promotion

OPay does not currently display one universal acquisition price for every terminal and merchant category on its main public business page.

Therefore, do not pay an unknown person simply because they claim that every OPay POS terminal has one fixed price.

Check the amount in your OPay Business app or confirm it through an authorised OPay representative.

How to Get a Moniepoint POS Terminal

The Moniepoint process is more publicly structured.

A business owner generally needs to:

1. Create a Moniepoint Business account
2. Complete the required verification
3. Log in to the business dashboard
4. Open the POS section
5. Request a new terminal
6. Fund the account with the required amount
7. Submit the terminal request
8. Wait for delivery and activation

Moniepoint currently publishes a terminal acquisition cost of ₦21,500.

The amount is broken down into:

• ₦10,000 caution fee
• ₦10,000 logistics fee
• ₦1,500 insurance fee for one year

Moniepoint says an applicant will be assigned a dedicated Relationship Manager who can deliver the terminal, provide training and answer questions. Its official page states that delivery may take place within 48 hours after a successful request.

The exact delivery time can still depend on the applicant’s location, verification status and terminal availability.

Which POS Is Easier to Obtain?

Moniepoint wins on public pricing transparency.

A potential applicant can see the current published terminal price and understand what the payment covers.

OPay may be cheaper when a free-terminal or reduced-entry offer is available. However, applicants need to confirm the terms of the offer carefully because the conditions may vary.

For a straightforward process with clearly published costs, Moniepoint has the advantage.

For someone trying to reduce the initial entry cost, OPay may be worth checking first.

You can register for OPay and check the POS options available to your account.

Alternatively, open a Moniepoint account and begin the business verification process.

Never send a terminal payment into a personal bank account belonging to an unknown agent. Use only the payment instructions shown in the app or confirmed through official support.

OPay POS vs Moniepoint POS Charges

Transaction charges affect how much profit you keep.

A small difference may not look serious on one transaction. But when you process hundreds or thousands of transactions every month, that difference can become significant.

OPay POS Withdrawal Charges

OPay does not publish one simple public withdrawal-fee table that applies to every agent and merchant account.

The rate offered to a business may depend on factors such as:

• Merchant category
• Account level
• Transaction volume
• Terminal type
• Current promotion
• Relationship with the provider
• Type of transaction

Several third-party websites publish OPay withdrawal rates, but the numbers are not always consistent. Some quote 0.5%, while others quote 0.6% or different fee structures.

For this reason, the safest figure is the one displayed in your OPay Business app or confirmed in your current merchant agreement.

Before applying, ask the representative these questions:

• What percentage will I pay on withdrawals?
• Is there a maximum charge for large withdrawals?
• Does my fee reduce when my transaction volume increases?
• Is the quoted rate permanent or promotional?
• Are there additional settlement or maintenance charges?
• What is the transfer fee?
• Can my merchant level change the rate?

Do not accept a verbal promise without checking the actual fee assigned to your account.

Moniepoint POS Withdrawal Charges

Moniepoint’s published POS guide currently states that it charges:

• 0.5% for withdrawals from ₦1 to ₦20,000
• ₦100 for withdrawals above ₦20,000
• ₦20 for interbank transfers
• 2% for airtime
• No charge on bill payments under the structure described in its guide

The guide also mentions cashback on some eligible withdrawals and transfers.

Here are simple examples of the withdrawal fee:

Withdrawal amount	Moniepoint charge
₦5,000	₦25
₦10,000	₦50
₦15,000	₦75
₦20,000	₦100
₦30,000	₦100
₦50,000	₦100

Remember that this is the amount charged by the provider. It is different from the service fee that you may charge your customer.

For example, Moniepoint may deduct ₦50 from a ₦10,000 withdrawal, while you charge the customer ₦200. Your gross margin before other expenses would be ₦150.

You must still account for expenses such as:

• Data
• Transportation
• Shop rent
• Security
• Employee wages
• Power
• Cash sourcing
• Terminal paper
• Taxes and business compliance

OPay vs Moniepoint Transfer Charges

Moniepoint’s published interbank transfer fee is ₦20.

OPay advertises transfers that can cost as little as ₦10, but the words “as little as” are important. They do not necessarily mean every OPay Business transfer will always cost exactly ₦10.

The actual fee may depend on the transfer method or account category.

A business that handles more transfers than withdrawals may benefit from a lower transfer fee. However, a business that handles mainly withdrawals should pay closer attention to the withdrawal percentage.

Airtime and Bill-Payment Commissions

Both platforms allow eligible agents to provide services such as:

• Airtime purchases
• Mobile data purchases
• Electricity payments
• Television subscriptions
• Other bill payments

The commission or discount available may change by network, biller, account level or promotional period.

Do not build your entire business plan around a temporary airtime discount or cashback campaign.

Treat these rewards as additional income rather than guaranteed profit.

Example Monthly Cost Comparison

Assume a POS agent completes:

• 40 withdrawals per day
• An average withdrawal of ₦15,000
• 15 transfers per day
• 26 operating days per month

The agent would complete:

• 1,040 withdrawals monthly
• 390 transfers monthly

Using Moniepoint’s published structure:

• The charge on one ₦15,000 withdrawal would be ₦75.
• The total monthly withdrawal charge would be ₦78,000.
• The transfer charge would be ₦7,800.
• The combined provider charges would be approximately ₦85,800 before any cashback.

Now assume, only for illustration, that an OPay merchant is assigned:

• A 0.6% withdrawal rate
• A ₦10 transfer fee

The monthly calculation would be:

• ₦90 per ₦15,000 withdrawal
• ₦93,600 in monthly withdrawal charges
• ₦3,900 in monthly transfer charges
• Approximately ₦97,500 in combined charges

However, if the same OPay merchant receives a 0.5% withdrawal rate, the total would drop significantly.

This example shows why there is no honest answer based only on the transfer fee.

Your overall cost depends on:

• The number of withdrawals you process
• The average withdrawal amount
• Your number of transfers
• Your assigned merchant rate
• Your cashback level
• Your monthly transaction volume

Which Has Lower Charges?

Moniepoint wins on pricing clarity because it publishes a straightforward withdrawal and transfer structure.

OPay may be cheaper for a merchant who receives a favourable rate or processes many low-cost transfers.

Before choosing, estimate your expected daily transactions and calculate the monthly cost under both providers.

Do not choose based only on someone saying, “This one has cheaper charges.”

Ask for the actual numbers.

Which Has the Better and More Reliable Network?

For many Nigerian business owners, this is the most important section of the comparison.

Low charges are not useful when the terminal fails during peak business hours.

A reliable POS terminal should:

• Connect quickly
• Process card payments without unnecessary delay
• Confirm successful transfers promptly
• Display transaction status clearly
• Settle funds without avoidable delay
• Recover quickly after a network problem
• Make it easy to investigate a failed transaction

Moniepoint POS Network Reliability

Moniepoint has built a strong reputation among high-volume merchants and agency-banking operators.

Its official POS page advertises 99.9% reliability, instant settlement and payments that work across different card types. It also provides transfer collection directly through the POS terminal.

However, 99.9% is a provider claim. It should not be interpreted as a promise that every transaction on every Moniepoint terminal will succeed.

Moniepoint’s reliability advantage comes from more than the percentage advertised on its website.

The platform also provides:

• A business-focused payment infrastructure
• Transaction histories
• Business statements
• Dispute-resolution tools
• A dedicated Relationship Manager
• Different terminal types for different transaction volumes
• Support for card and transfer payments
• Terminal troubleshooting resources

For a busy POS agent, these supporting systems matter almost as much as the network itself.

OPay POS Network Reliability

OPay also promotes fast, reliable payment collection.

Its business payment page lists:

• No delay in receiving payments
• Automated dispute resolution
• Durable terminal hardware
• Strong battery performance
• Real-time transaction details
• End-of-day reports
• Multiple payment channels
• 24-hour customer care

OPay also has a large consumer payment ecosystem. This can be useful for merchants who receive many OPay-to-OPay transfers or serve customers who already use OPay.

However, OPay does not publicly display a directly comparable audited POS success rate for every merchant location.

That does not mean its network is poor. It means business owners should avoid relying on unsupported statements such as:

• “OPay never works.”
• “Moniepoint never fails.”
• “One terminal has 100% network everywhere.”

All electronic payment systems can experience downtime.

Why POS Transactions Fail Even When the Terminal Has Network

Seeing network bars on the terminal does not guarantee that the payment will succeed.

A transaction can fail because of:

1. The customer’s bank

The bank that issued the customer’s card may be experiencing downtime.

In this situation, your terminal can have a strong connection while the transaction still fails.

2. Weak mobile-data connection

A POS terminal normally depends on a mobile network.

Weak coverage, network congestion or a SIM problem can delay communication with the payment processor.

3. Card restrictions

The customer’s card may be expired, blocked or restricted from completing certain transactions.

4. Incorrect PIN

Several incorrect PIN attempts can cause the card or transaction to be blocked.

5. Insufficient funds

A customer may not have enough money to complete the requested withdrawal or purchase.

6. Processor or switch downtime

A problem with the payment processor or national switching infrastructure can affect several providers at the same time.

7. Terminal software problems

An outdated application, damaged software or configuration problem can interrupt transactions.

8. Battery or power issues

A weak battery may cause the terminal to shut down before the transaction is completed or printed.

9. Damaged card reader

The terminal may have difficulty reading the chip or magnetic stripe on a card.

This is why you should investigate the cause before concluding that the entire provider has a bad network.

How to Test POS Reliability Before Committing

Before choosing a terminal, take these practical steps.

Ask nearby business owners

Speak with agents, supermarkets and shops operating close to your proposed location.

Ask:

• Which terminal works better here?
• How often do you experience failed transactions?
• How quickly are disputes resolved?
• Does the representative respond?
• How long does terminal replacement take?

Local information can be more useful than a general online review.

Test different banks

Do not test the terminal with only one bank card.

Where possible, observe transactions from several major Nigerian banks. A terminal may work well with one bank while another bank is experiencing a temporary issue.

Check mobile-network strength

Find out which telecom provider has the strongest connection at your location.

A terminal that uses a weak mobile network in your area may perform poorly regardless of the provider’s national reputation.

Evaluate support before there is a problem

Call or message the support contact before you apply.

If you cannot get a useful response while trying to become a customer, the situation may not improve after you receive the terminal.

Understand the replacement process

Ask what happens when:

• The terminal stops charging
• The printer stops working
• The screen is damaged
• The terminal is stolen
• The card reader fails
• The application refuses to open

A reliable terminal is not only one that rarely fails. It is also one that can be repaired or replaced quickly.

Network Reliability Verdict

Moniepoint has the stronger overall case for high-volume POS reliability.

Its advantage comes from its business focus, published reliability claim, instant settlement, multiple terminal options and dedicated Relationship Manager system.

OPay is still a dependable option for many Nigerian merchants, especially those using its wider payment ecosystem and business-management tools.

The final decision should include local testing because actual performance can differ by location.

Settlement Speed, Failed Transactions and Reversals

A transaction is not complete simply because the terminal prints a message.

The business owner must confirm that the money has entered the correct account.

OPay Settlement

OPay promotes fast payment processing and says merchants can receive payments without unnecessary delay.

Its business dashboard allows merchants to:

• View transaction details
• Track performance
• Reconcile payments
• Manage settlement
• Generate reports
• Monitor activity across branches

These tools can make it easier to confirm whether a payment was received.

Moniepoint Settlement

Moniepoint advertises instant settlement into the business account.

Users can also view transaction history and manage business activity through the dashboard.

For a full-time agent, immediate access to successful transaction value is important because the money may be needed to serve the next customer.

What Happens When a Customer Is Debited but the POS Shows Failed?

This is one of the most stressful situations in the POS business.

A customer receives a debit alert, but your terminal shows “failed,” “declined” or “pending.”

Do not immediately give the customer cash because of a debit alert alone.

A debit alert does not always mean the transaction settled successfully to your business account.

Use the following process.

Step 1: Check your transaction history

Search for the transaction in your POS terminal, app or business dashboard.

Confirm whether it appears as:

• Successful
• Failed
• Pending
• Reversed

Step 2: Check your account balance

Confirm whether your available balance increased.

Do not rely only on the printed receipt.

Step 3: Keep the transaction reference

Save the:

• Receipt
• Session ID
• Transaction reference
• Date and time
• Amount
• Last digits of the customer’s card where available

These details may be needed for a dispute.

Step 4: Allow time for an automatic reversal

Some failed transactions reverse automatically.

The time required can depend on the customer’s bank, the processor and the type of failure.

Step 5: Log a formal dispute

When the money does not reverse within the expected period, contact support or submit a dispute through the business dashboard.

Step 6: Avoid paying twice

Do not release cash and later repeat the transaction without confirming the status of the first attempt.

You could lose the full withdrawal amount.

Which Handles Reversals Better?

Both OPay and Moniepoint provide dispute-resolution channels.

OPay’s published service commitment says its business operations team handles transaction disputes within 48 hours and provides terminal repair or swap services.

Moniepoint provides dashboard-based transaction records and access to support through the app, phone, email and its Relationship Manager structure.

Moniepoint has an advantage in publicly documented self-service support, while OPay clearly states a 48-hour dispute-handling target.

However, the provider may not have full control over how quickly the customer’s bank completes a reversal.

Customer Support and Faulty Terminal Replacement

Good customer support becomes important when your terminal stops working and your daily income is affected.

OPay Customer Support

OPay provides:

• In-app support
• POS business phone support
• Physical service centres
• Business representatives
• Terminal repair
• Terminal swap services
• Transaction dispute support

OPay says POS business support is available 24 hours a day. Its service commitment also covers account protection, repair, swap services and transaction dispute resolution.

The quality of support may still depend on the issue, location and representative handling the case.

Moniepoint Customer Support

Moniepoint provides:

• In-app support
• Phone support
• Email support
• Online help resources
• Dashboard dispute tools
• A dedicated Business Relationship Manager

The Relationship Manager is one of Moniepoint’s strongest advantages.

The person can help with:

• Terminal delivery
• Setup
• Training
• Fault reporting
• Terminal replacement
• Business questions
• Account issues

Moniepoint says an approved POS applicant is assigned a Relationship Manager during the acquisition process.

Customer Support Verdict

Moniepoint wins for personalised field support.

Having a specific Relationship Manager can make it easier to report a terminal problem than relying only on a general customer-service line.

OPay has an advantage in the range of central support channels and physical service locations.

Before choosing, investigate the representative available in your area. A good local representative can improve your experience with either provider.

Business Tools and Additional Services

A POS terminal is no longer only a machine for accepting cards.

Modern business platforms can help owners monitor employees, organise transactions and manage different branches.

OPay Business Features

OPay provides several tools for retailers and merchants.

These include:

Branch management

A business owner can monitor payment activity across different branches.

This can be useful for:

• Supermarkets
• Restaurants
• Pharmacies
• Fashion stores
• Retail chains
• Businesses with several outlets

Employee management

Employees can be assigned responsibilities or access under the business account.

This reduces the need to share the main account password with every attendant.

Transaction reporting

The business owner can view transaction history and track payment performance.

Settlement and reconciliation

Reports can help the merchant compare the payments received with daily sales.

Product and inventory management

OPay promotes tools for managing products, sales and inventory.

This can be useful for a retailer who wants one system for both payment collection and store operations.

Online payment collection

Businesses that sell online may also benefit from OPay’s wider payment infrastructure.

OPay’s strongest feature is its combination of merchant payments and retail-management tools.

Moniepoint Business Features

Moniepoint focuses more strongly on banking and financial management.

Its tools include:

Business account

The POS terminal works with a dedicated Moniepoint Business account.

This helps separate business money from personal spending.

Statements

Business owners can generate records for:

• Reconciliation
• Bookkeeping
• Tax preparation
• Loan applications
• Performance reviews

Expense management

Eligible businesses can use cards and financial tools to manage spending.

Transaction reporting

The business dashboard allows operators to review payments and business activity.

Working capital

Eligible businesses may receive access to credit or working-capital offers.

Approval is not automatic. It can depend on transaction history, account activity and risk assessment.

POS transfer collection

Customers can make transfers directly through the terminal, and the merchant can print a receipt.

Relationship-manager support

The assigned manager can help the business use the platform and resolve operational issues.

Business Features Verdict

Choose OPay when your main priority is:

• Branch management
• Employee management
• Inventory tools
• Retail reporting
• Integrated online and offline payments

Choose Moniepoint when your main priority is:

• Business banking
• Statements
• Expense management
• High-volume payment collection
• Relationship-manager support
• Potential access to working capital

Cashback, Rewards and Business Loans

Rewards can reduce transaction costs, but they should not be the only reason you choose a provider.

OPay Rewards

OPay may offer:

• Airtime discounts
• Data discounts
• Vouchers
• Merchant incentives
• Referral rewards
• Periodic campaigns

These offers can change.

A reward that is available when you apply may be reduced, replaced or removed later.

Evaluate the main service first. Treat bonuses as an extra benefit.

Moniepoint Rewards

Moniepoint operates transaction-based cashback tiers for eligible POS owners.

Its official POS page advertises up to 12% cashback on eligible withdrawal, purchase or POS transfer fees. The percentage available depends on the business’s transaction level and the terms of the reward programme.

High-volume agents may receive more value than operators who process only a few transactions.

Before depending on cashback, confirm:

• The minimum weekly volume
• The qualifying transaction types
• The reward percentage
• When the reward is paid
• Whether the tier resets weekly
• Whether the promotion has an end date

Business Loans

Both ecosystems may connect eligible businesses with financial products.

However, receiving a POS terminal does not guarantee that you will receive a loan.

Eligibility may depend on:

• Transaction volume
• Account history
• Business age
• Verification level
• Repayment history
• Credit assessment
• Provider risk rules

Do not choose a terminal only because someone promises that you will receive a loan after using it for a few weeks.

Security, Regulation and Protection of Business Funds

Both OPay and Moniepoint operate within Nigeria’s regulated financial system.

However, their exact corporate and licensing structures are not identical.

OPay operates a broad mobile-money and financial-services ecosystem, while Moniepoint’s business products are offered through Moniepoint Microfinance Bank.

Moniepoint states that it is authorised and regulated by the Central Bank of Nigeria and that eligible deposits are insured by the Nigeria Deposit Insurance Corporation.

OPay also states that it is licensed by the CBN, uses encrypted transactions and provides fraud-protection measures.

Regulation does not remove the need for personal security.

Protect your POS business by following these rules:

Never share your OTP

No legitimate representative should ask for your one-time password.

Protect your administrator password

Do not give employees full access to your main business account.

Use employee or branch-management features where available.

Confirm value before releasing cash

Do not depend only on a customer’s debit alert.

Check your own transaction history and account balance.

Report a stolen terminal immediately

Contact the provider so the terminal can be blocked.

Keep transaction records

Receipts and references can help you investigate disputes.

Avoid unknown terminal sellers

Apply through the official app, an authorised office or a verified representative.

Separate business and personal funds

Use a dedicated business account for your POS operation.

This makes reconciliation and record-keeping easier.

Can You Use OPay POS and Moniepoint POS at the Same Time?

The answer depends partly on whether you are operating as an ordinary merchant or as an agency-banking agent.

A merchant may be a supermarket, pharmacy or restaurant that uses POS terminals to collect payments for goods and services.

An agent provides financial services on behalf of a licensed institution. These services may include withdrawals, deposits, transfers and bill payments.

The Central Bank of Nigeria issued revised agent-banking guidelines in October 2025. The CBN stated that provisions concerning agent location and agent exclusivity took effect on April 1, 2026.

The CBN also introduced geographic identification requirements for POS terminals to improve oversight and reduce unauthorised or fraudulent terminal use.

This means a full-time POS agent should not simply collect terminals from several providers without understanding the current agreement and regulatory requirements.

Before using both OPay and Moniepoint for agency banking, ask each provider:

• Am I being registered as an agent or merchant?
• Does my agreement contain an exclusivity requirement?
• Is my operating location approved?
• Is the terminal registered to this exact location?
• Can I move the terminal?
• What happens if I operate for another principal?
• What transaction limits apply to my account?

Do not assume that rules for a normal retail merchant are identical to rules for a cash-in and cash-out agent.

OPay POS vs Moniepoint POS for Different Types of Businesses

There is no single perfect terminal for every Nigerian business.

The better choice depends on how you plan to use it.

Best POS for a Full-Time Withdrawal Agent

Recommended option: Moniepoint

A full-time agent needs:

• Strong transaction processing
• Clear withdrawal fees
• Fast settlement
• Field support
• Good transaction records
• Terminal replacement
• Easy dispute handling
• Cash-flow visibility

Moniepoint’s published pricing and Relationship Manager system make it the stronger option for this type of business.

However, confirm its performance in your location before committing.

Best POS for a Small Shop or Mini-Mart

Recommended option: OPay or Moniepoint, depending on your priorities

Choose OPay when you need:

• Employee management
• Branch management
• Product or inventory tools
• Online and offline payment collection
• Integration with the OPay ecosystem

Choose Moniepoint when you need:

• Clear business statements
• A dedicated business account
• Relationship-manager support
• Strong agency-banking features
• Expense-management tools

For a small shop that mainly accepts payment for goods, OPay may provide a more complete retail-management experience.

For a shop that also runs a busy cash-withdrawal service, Moniepoint may be better.

Best POS for Supermarkets and Pharmacies

A supermarket or pharmacy needs more than withdrawal services.

Important features include:

• Fast card payment
• Multiple employee access
• Clear receipts
• End-of-day reports
• Branch monitoring
• Settlement records
• Refund and dispute support

OPay has an advantage in employee, branch, product and inventory management.

Moniepoint has an advantage in structured business banking and detailed financial records.

A large supermarket may decide to use a proper merchant-acquiring setup rather than operating under an agent-banking account. Discuss the correct merchant arrangement with the provider.

Best POS for Restaurants and Hospitality Businesses

Restaurants need fast checkout and clear payment confirmation.

A delayed payment can create an argument between the customer and staff, especially when the customer has already consumed the service.

OPay may be attractive because of its branch, employee and customer-management tools.

Moniepoint may be preferable for a high-volume restaurant that prioritises settlement, statements and business banking.

The quality of the internet connection inside the restaurant should also influence the choice.

Best POS for High-Volume Market Locations

Recommended option: Moniepoint

Busy markets require:

• Strong battery performance
• Reliable card processing
• Quick support
• Clear fees
• Fast settlement
• Easy reconciliation
• Terminal replacement

Moniepoint’s business-focused support structure makes it the stronger overall choice for operators processing large amounts daily.

That said, OPay may still be useful where it has stronger local representatives or network performance.

Best POS for New Agents With Limited Capital

Recommended option: Compare the current OPay offer with Moniepoint’s published cost

A new agent should calculate more than the terminal cost.

Startup expenses may include:

• Shop or kiosk rent
• Cash float
• Furniture
• Umbrella or shelter
• Generator or power bank
• Data
• Security
• Signage
• Registration
• Transport
• Receipt paper

OPay may be appealing if the applicant qualifies for a free or reduced-cost terminal offer.

Moniepoint offers a clearer publicly stated acquisition price.

Do not start a POS business with all your money tied up in the terminal. You still need enough cash and electronic float to serve customers.

Best POS for Businesses With Multiple Employees

Recommended option: OPay for retail controls; Moniepoint for banking controls

OPay promotes tools for managing branches, employees, customers, products and business reports.

Moniepoint provides business accounts, transaction records and expense-management tools.

A retailer trying to control attendants may prefer OPay.

A company trying to control business spending and maintain banking records may prefer Moniepoint.

Advantages and Disadvantages of OPay POS

Advantages of OPay POS

• Broad consumer and merchant ecosystem
• Fast payment settlement
• Branch-management tools
• Employee-management tools
• Product and inventory features
• Real-time transaction reports
• Online and offline payment collection
• Repair and swap services
• Multiple customer-support channels
• Potential discounts and merchant promotions

Disadvantages of OPay POS

• No single universal public terminal price for every applicant
• Merchant charges may vary
• Promotional offers can change
• Local representative quality may differ
• Actual network performance depends on location
• Terms attached to a free terminal may not always be obvious from promotional wording

Advantages and Disadvantages of Moniepoint POS

Advantages of Moniepoint POS

• Strong reputation among POS agents
• Publicly stated terminal acquisition cost
• Clear withdrawal-fee structure
• Dedicated Relationship Manager
• Instant settlement
• Business banking tools
• Transaction statements
• Smart POS and mPOS options
• Cashback for eligible operators
• Support for POS transfers
• Strong fit for high-volume transactions

Disadvantages of Moniepoint POS

• The ₦21,500 entry cost may be higher than some promotional offers
• Cashback depends on transaction activity
• Terminal availability may depend on location
• Delivery may take longer than advertised in some areas
• The quality of support can depend on the assigned manager
• It can still experience bank, processor or network downtime
• Business qualification and location approval may be required

OPay POS vs Moniepoint POS: Final Verdict

After comparing the terminal cost, charges, network reliability, settlement, support and business features, Moniepoint is the better overall option for full-time POS agents and high-volume Nigerian businesses.

Choose Moniepoint when:

• You want to run a serious agency-banking business
• You process many withdrawals
• You need clear published charges
• You want a dedicated Relationship Manager
• You need business statements
• You value structured terminal support
• You want a complete business-banking platform

Choose OPay when:

• You run a shop, pharmacy, restaurant or mini-mart
• You need branch and employee management
• You want inventory and product-management tools
• You already receive many OPay payments
• You qualify for an attractive terminal offer
• You want online and offline payment tools in one ecosystem

The overall winner is Moniepoint, but the gap is not wide enough to ignore local conditions.

A responsive OPay representative and strong OPay performance in your location may be more useful than a Moniepoint terminal with poor local support. The reverse can also be true.

Speak with nearby operators, confirm your charges and understand your contract before choosing.

To get started, open an OPay account using this registration link and check the business services available to you.

For Moniepoint, create your account through this Moniepoint invitation link and complete the required business verification.

Opening an account does not automatically guarantee POS approval. Terminal availability and eligibility may depend on verification, location and the provider’s current requirements.

Frequently Asked Questions

Is Moniepoint POS better than OPay POS?

Moniepoint is better for most full-time POS agents and businesses processing high transaction volumes. It provides clear terminal pricing, published withdrawal charges, a Relationship Manager and strong business-banking tools.

OPay may be better for small retailers that need branch, employee and inventory-management features.

The best option still depends on local performance and the rates assigned to your account.

Which has the best POS network in Nigeria: OPay or Moniepoint?

Moniepoint has the stronger overall case for POS network reliability, particularly for high-volume business use.

However, neither provider can guarantee perfect transaction success everywhere. Local mobile-network coverage, the customer’s bank, card processors and national payment infrastructure can affect both terminals.

Ask nearby agents which one performs better in your location.

Which has lower charges, OPay or Moniepoint?

Moniepoint publishes a 0.5% withdrawal charge up to ₦20,000 and a ₦100 charge above ₦20,000.

OPay’s applicable rate can depend on the merchant category, transaction type or account level.

An OPay merchant with a favourable rate may pay less. Another merchant may pay more. Check your current in-app fee schedule before deciding.

How much does an OPay POS terminal cost?

OPay does not display one universal public price that applies to every terminal and applicant.

The cost or requirement may depend on:

• Terminal type
• Business category
• Location
• Promotion
• Transaction expectations
• Account level

Confirm the amount in the OPay Business app or through an authorised representative.

How much does a Moniepoint POS terminal cost?

Moniepoint currently publishes a cost of ₦21,500.

The amount includes a ₦10,000 caution fee, ₦10,000 logistics fee and ₦1,500 insurance fee for one year.

Prices and terms can change, so confirm the displayed amount before making payment.

Can I use OPay POS and Moniepoint POS together?

A normal merchant accepting customer payments may be treated differently from a registered agency-banking operator.

The CBN’s revised agent-banking framework includes rules concerning agent location and exclusivity.

Ask both providers whether you are being registered as a merchant or agent and whether your contract allows you to operate another provider’s terminal.

Which POS is best for a withdrawal business in Nigeria?

Moniepoint is the stronger overall option for a high-volume withdrawal business.

Its benefits include:

• Clear charges
• Business statements
• Instant settlement
• Dedicated field support
• Terminal options for different transaction volumes

Test the terminal in your operating location before relying on it fully.

Which POS is better for a supermarket?

OPay may be better for a supermarket that values employee, branch, product and inventory-management tools.

Moniepoint may be better where the supermarket prioritises business banking, financial reports, expense control and high-volume payment collection.

A large supermarket should ask for the correct merchant payment arrangement rather than applying only as a withdrawal agent.

How long do OPay and Moniepoint reversals take?

The time depends on the type of failed transaction, payment processor and customer’s bank.

OPay publishes a target of handling business transaction disputes within 48 hours.

Moniepoint allows operators to review transaction history and report eligible problems through its business support system.

Some reversals happen automatically, while others require a formal dispute.

Do OPay and Moniepoint give business loans?

Eligible users may receive access to credit or working-capital products, but approval is not guaranteed.

The provider may consider:

• Transaction history
• Business activity
• Account age
• Verification
• Credit risk
• Repayment capacity

Do not choose a POS terminal only because someone promises that you will receive a loan.

What should I do when a customer is debited but my POS shows failed?

Do not release cash based only on the customer’s debit alert.

Check your transaction history and account balance. Save the receipt, reference number, amount, date and time.

If the transaction did not settle, ask the customer to wait for an automatic reversal. Log a dispute when the reversal does not happen within the expected period.

Conclusion

The OPay POS vs Moniepoint POS comparison does not have the same answer for every Nigerian business owner.

Moniepoint is the better overall choice for full-time agents, busy withdrawal locations and high-volume businesses. It offers clearer public pricing, structured business banking and dedicated field support.

OPay is a strong choice for small retailers and merchants that need employee, branch, inventory and payment-management features.

Do not choose based only on the terminal price or a temporary reward.

Compare:

• Local network performance
• Withdrawal charges
• Transfer fees
• Settlement
• Dispute resolution
• Terminal replacement
• Customer support
• Business tools
• Agent-contract conditions

For OPay, use this OPay registration link to open your account.

For Moniepoint, use this Moniepoint signup link to create your account.

Complete the required verification and confirm the current POS terms before paying for or accepting a terminal.

Affiliate disclosure: Some of the registration links in this article are affiliate links. The publisher may receive a referral reward when an eligible user registers or completes the required actions through these links. This does not increase the amount you pay and did not affect the comparison or final recommendation.

OPay POS vs Moniepoint POS: Which Is More Reliable for Nigerian Businesses?

Choosing between OPay POS and Moniepoint POS is not simply about finding the terminal with the lowest charges.

For a Nigerian business owner, the wrong POS terminal can cause serious problems. A customer may be debited while your account is not credited. A withdrawal may remain pending when several customers are waiting. Your terminal may stop printing receipts, or you may struggle to contact support when you need help.

These problems can cost you money and damage the trust customers have in your business.

That is why this OPay POS vs Moniepoint POS comparison focuses on the factors that truly matter:

• Network reliability
• Withdrawal and transfer charges
• Terminal acquisition cost
• Settlement speed
• Failed transaction handling
• Customer support
• Terminal repair and replacement
• Business management features
• Security
• Suitability for different Nigerian businesses

It is also important to understand that there are two main types of POS users.

The first is a POS agent who provides withdrawals, deposits, transfers, airtime purchases and bill payments. The second is a merchant, such as a supermarket, pharmacy, restaurant or fashion store, that mainly uses a POS terminal to collect customer payments.

The best provider for a full-time POS agent may not necessarily be the best option for a small retail shop.

So, between OPay POS and Moniepoint POS, which one is more reliable and suitable for your business?

Let us compare them properly.

OPay POS vs Moniepoint POS: The Quick Answer

Moniepoint is the better overall option for most full-time POS agents and high-volume Nigerian businesses.

It has a clear terminal acquisition process, publicly available pricing, a dedicated Business Relationship Manager, strong business banking tools and a well-structured system for handling terminal problems.

Moniepoint is particularly suitable for:

• Full-time POS agents
• Businesses processing many daily transactions
• Market traders and wholesalers
• Filling stations
• Supermarkets
• Businesses that need detailed transaction records
• Operators who value field support

However, this does not mean OPay POS is a bad terminal.

OPay is a strong option for small merchants, new operators and retailers that want payment collection combined with store and employee management tools.

OPay may be more suitable for:

• Small shops and mini-marts
• Restaurants
• Pharmacies
• Fashion stores
• Businesses with multiple employees
• Merchants already receiving many OPay transfers
• New operators who receive an attractive terminal offer

The better option can also depend on your location. A terminal that performs well in Lagos Island may not give the same experience in a rural community in Benue, Abia or Taraba State.

Before making your final decision, ask agents and business owners around your location which provider works better there.

Ready to open an account with either platform?

Open an OPay account and explore its business services, or create a Moniepoint account for your business.

Applying for a POS terminal may still require additional verification after you open the account.

OPay POS vs Moniepoint POS at a Glance

Feature	OPay POS	Moniepoint POS
Best for	Small retailers and businesses needing management tools	Full-time POS agents and high-volume businesses
Terminal acquisition cost	Varies by terminal, offer and merchant category	₦21,500 currently published
Withdrawal charges	May depend on merchant level and current assigned rate	0.5% up to ₦20,000 and ₦100 above ₦20,000
Transfer charges	Can vary; some services are advertised from as low as ₦10	₦20 for interbank transfers
Settlement	Instant settlement advertised	Instant settlement advertised
Dedicated field support	Support agents and business representatives	Dedicated Business Relationship Manager
Terminal repair	Repair and swap services available	Terminal swap handled through support or Relationship Manager
Business tools	Store, branch, employee, product and inventory tools	Business account, statements, cards, reports and working capital
Rewards	Airtime discounts, vouchers and periodic promotions	Transaction-based cashback tiers
Reliability advantage	Strong payment ecosystem	Better overall case for high-volume POS operations
Overall verdict	Best for integrated retail management	Best overall for agency banking

Charges and promotions can change. Always check the current fees shown in your OPay or Moniepoint Business app before completing a transaction or paying for a terminal.

What Is the Difference Between OPay POS and Moniepoint POS?

Both companies provide POS terminals and financial services, but their business focus is slightly different.

What Is OPay POS?

OPay POS is part of the wider OPay payment ecosystem.

The company provides personal accounts, transfers, bill payments, airtime purchases, debit cards, merchant payments and other financial services. Its business products allow merchants to accept payments and manage different parts of their operations.

OPay Business promotes features such as:

• POS payment collection
• Transfer collection
• Real-time transaction records
• End-of-day reports
• Branch management
• Employee management
• Customer management
• Settlement configuration
• Online payment collection
• Business performance reporting

OPay also says its POS terminals provide fast payment processing, durable hardware, strong batteries and automated dispute resolution.

This makes OPay more than a terminal for withdrawals. It can also work as part of a broader payment and retail-management system.

What Is Moniepoint POS?

Moniepoint places a stronger emphasis on business banking, merchant payments and agency banking.

A Moniepoint business owner can use the platform to:

• Accept card payments
• Receive POS transfers
• View transaction histories
• Generate business statements
• Manage expenses
• Request business cards
• Monitor business performance
• Access eligible working-capital products
• Resolve disputes
• Communicate with a Relationship Manager

Moniepoint currently offers a Smart POS for medium and large businesses with heavier transaction flow and an mPOS for smaller businesses. Its official POS page also advertises instant settlement and assigns a dedicated Relationship Manager to eligible terminal applicants.

The main difference can therefore be explained this way:

OPay combines payment collection with broad retail-management tools, while Moniepoint focuses more heavily on business banking, agency banking and structured merchant support.

How We Compared OPay POS and Moniepoint POS

This comparison is based on the areas that directly affect the daily operation of a Nigerian business.

They include:

1. How much it costs to obtain the terminal
2. How easy the application process is
3. Withdrawal and transfer charges
4. Transaction success and network reliability
5. Settlement speed
6. Failed transaction handling
7. Reversal procedures
8. Terminal maintenance
9. Customer support
10. Business-management features
11. Security and regulation
12. Suitability for different business types

However, no POS provider controls every part of a transaction.

A POS payment may pass through the terminal provider, the customer’s bank, the card network, a payment processor and national switching infrastructure. A problem at any stage can delay or stop the transaction.

Local mobile-network coverage can also affect performance. This is why no responsible comparison should promise that one terminal will work perfectly in every Nigerian location.

OPay POS vs Moniepoint POS Terminal Cost and Acquisition

The cost of obtaining a terminal is usually one of the first things new business owners consider.

However, you should not look at the terminal price alone. You must also consider the caution fee, logistics cost, insurance, transaction requirements and whether the terminal remains the property of the provider.

How to Get an OPay POS Terminal

The general process of getting an OPay POS terminal involves:

1. Opening an OPay account
2. Completing the required identity verification
3. Registering or upgrading to an OPay Business or merchant account
4. Submitting a POS application
5. Providing information about your business
6. Waiting for approval or contact from an OPay representative
7. Paying any applicable fee requested through an authorised channel
8. Receiving and activating the terminal

OPay advertises POS terminals for different business needs. It has also promoted free POS offers for merchants at different times.

However, “free POS” does not always mean that there are no conditions.

You may still be required to:

• Maintain a certain transaction level
• Operate from an approved location
• Complete business verification
• Pay a caution or logistics fee
• Return the terminal if you stop using it
• Meet the requirements of a particular promotion

OPay does not currently display one universal acquisition price for every terminal and merchant category on its main public business page.

Therefore, do not pay an unknown person simply because they claim that every OPay POS terminal has one fixed price.

Check the amount in your OPay Business app or confirm it through an authorised OPay representative.

How to Get a Moniepoint POS Terminal

The Moniepoint process is more publicly structured.

A business owner generally needs to:

1. Create a Moniepoint Business account
2. Complete the required verification
3. Log in to the business dashboard
4. Open the POS section
5. Request a new terminal
6. Fund the account with the required amount
7. Submit the terminal request
8. Wait for delivery and activation

Moniepoint currently publishes a terminal acquisition cost of ₦21,500.

The amount is broken down into:

• ₦10,000 caution fee
• ₦10,000 logistics fee
• ₦1,500 insurance fee for one year

Moniepoint says an applicant will be assigned a dedicated Relationship Manager who can deliver the terminal, provide training and answer questions. Its official page states that delivery may take place within 48 hours after a successful request.

The exact delivery time can still depend on the applicant’s location, verification status and terminal availability.

Which POS Is Easier to Obtain?

Moniepoint wins on public pricing transparency.

A potential applicant can see the current published terminal price and understand what the payment covers.

OPay may be cheaper when a free-terminal or reduced-entry offer is available. However, applicants need to confirm the terms of the offer carefully because the conditions may vary.

For a straightforward process with clearly published costs, Moniepoint has the advantage.

For someone trying to reduce the initial entry cost, OPay may be worth checking first.

You can register for OPay and check the POS options available to your account.

Alternatively, open a Moniepoint account and begin the business verification process.

Never send a terminal payment into a personal bank account belonging to an unknown agent. Use only the payment instructions shown in the app or confirmed through official support.

OPay POS vs Moniepoint POS Charges

Transaction charges affect how much profit you keep.

A small difference may not look serious on one transaction. But when you process hundreds or thousands of transactions every month, that difference can become significant.

OPay POS Withdrawal Charges

OPay does not publish one simple public withdrawal-fee table that applies to every agent and merchant account.

The rate offered to a business may depend on factors such as:

• Merchant category
• Account level
• Transaction volume
• Terminal type
• Current promotion
• Relationship with the provider
• Type of transaction

Several third-party websites publish OPay withdrawal rates, but the numbers are not always consistent. Some quote 0.5%, while others quote 0.6% or different fee structures.

For this reason, the safest figure is the one displayed in your OPay Business app or confirmed in your current merchant agreement.

Before applying, ask the representative these questions:

• What percentage will I pay on withdrawals?
• Is there a maximum charge for large withdrawals?
• Does my fee reduce when my transaction volume increases?
• Is the quoted rate permanent or promotional?
• Are there additional settlement or maintenance charges?
• What is the transfer fee?
• Can my merchant level change the rate?

Do not accept a verbal promise without checking the actual fee assigned to your account.

Moniepoint POS Withdrawal Charges

Moniepoint’s published POS guide currently states that it charges:

• 0.5% for withdrawals from ₦1 to ₦20,000
• ₦100 for withdrawals above ₦20,000
• ₦20 for interbank transfers
• 2% for airtime
• No charge on bill payments under the structure described in its guide

The guide also mentions cashback on some eligible withdrawals and transfers.

Here are simple examples of the withdrawal fee:

Withdrawal amount	Moniepoint charge
₦5,000	₦25
₦10,000	₦50
₦15,000	₦75
₦20,000	₦100
₦30,000	₦100
₦50,000	₦100

Remember that this is the amount charged by the provider. It is different from the service fee that you may charge your customer.

For example, Moniepoint may deduct ₦50 from a ₦10,000 withdrawal, while you charge the customer ₦200. Your gross margin before other expenses would be ₦150.

You must still account for expenses such as:

• Data
• Transportation
• Shop rent
• Security
• Employee wages
• Power
• Cash sourcing
• Terminal paper
• Taxes and business compliance

OPay vs Moniepoint Transfer Charges

Moniepoint’s published interbank transfer fee is ₦20.

OPay advertises transfers that can cost as little as ₦10, but the words “as little as” are important. They do not necessarily mean every OPay Business transfer will always cost exactly ₦10.

The actual fee may depend on the transfer method or account category.

A business that handles more transfers than withdrawals may benefit from a lower transfer fee. However, a business that handles mainly withdrawals should pay closer attention to the withdrawal percentage.

Airtime and Bill-Payment Commissions

Both platforms allow eligible agents to provide services such as:

• Airtime purchases
• Mobile data purchases
• Electricity payments
• Television subscriptions
• Other bill payments

The commission or discount available may change by network, biller, account level or promotional period.

Do not build your entire business plan around a temporary airtime discount or cashback campaign.

Treat these rewards as additional income rather than guaranteed profit.

Example Monthly Cost Comparison

Assume a POS agent completes:

• 40 withdrawals per day
• An average withdrawal of ₦15,000
• 15 transfers per day
• 26 operating days per month

The agent would complete:

• 1,040 withdrawals monthly
• 390 transfers monthly

Using Moniepoint’s published structure:

• The charge on one ₦15,000 withdrawal would be ₦75.
• The total monthly withdrawal charge would be ₦78,000.
• The transfer charge would be ₦7,800.
• The combined provider charges would be approximately ₦85,800 before any cashback.

Now assume, only for illustration, that an OPay merchant is assigned:

• A 0.6% withdrawal rate
• A ₦10 transfer fee

The monthly calculation would be:

• ₦90 per ₦15,000 withdrawal
• ₦93,600 in monthly withdrawal charges
• ₦3,900 in monthly transfer charges
• Approximately ₦97,500 in combined charges

However, if the same OPay merchant receives a 0.5% withdrawal rate, the total would drop significantly.

This example shows why there is no honest answer based only on the transfer fee.

Your overall cost depends on:

• The number of withdrawals you process
• The average withdrawal amount
• Your number of transfers
• Your assigned merchant rate
• Your cashback level
• Your monthly transaction volume

Which Has Lower Charges?

Moniepoint wins on pricing clarity because it publishes a straightforward withdrawal and transfer structure.

OPay may be cheaper for a merchant who receives a favourable rate or processes many low-cost transfers.

Before choosing, estimate your expected daily transactions and calculate the monthly cost under both providers.

Do not choose based only on someone saying, “This one has cheaper charges.”

Ask for the actual numbers.

Which Has the Better and More Reliable Network?

For many Nigerian business owners, this is the most important section of the comparison.

Low charges are not useful when the terminal fails during peak business hours.

A reliable POS terminal should:

• Connect quickly
• Process card payments without unnecessary delay
• Confirm successful transfers promptly
• Display transaction status clearly
• Settle funds without avoidable delay
• Recover quickly after a network problem
• Make it easy to investigate a failed transaction

Moniepoint POS Network Reliability

Moniepoint has built a strong reputation among high-volume merchants and agency-banking operators.

Its official POS page advertises 99.9% reliability, instant settlement and payments that work across different card types. It also provides transfer collection directly through the POS terminal.

However, 99.9% is a provider claim. It should not be interpreted as a promise that every transaction on every Moniepoint terminal will succeed.

Moniepoint’s reliability advantage comes from more than the percentage advertised on its website.

The platform also provides:

• A business-focused payment infrastructure
• Transaction histories
• Business statements
• Dispute-resolution tools
• A dedicated Relationship Manager
• Different terminal types for different transaction volumes
• Support for card and transfer payments
• Terminal troubleshooting resources

For a busy POS agent, these supporting systems matter almost as much as the network itself.

OPay POS Network Reliability

OPay also promotes fast, reliable payment collection.

Its business payment page lists:

• No delay in receiving payments
• Automated dispute resolution
• Durable terminal hardware
• Strong battery performance
• Real-time transaction details
• End-of-day reports
• Multiple payment channels
• 24-hour customer care

OPay also has a large consumer payment ecosystem. This can be useful for merchants who receive many OPay-to-OPay transfers or serve customers who already use OPay.

However, OPay does not publicly display a directly comparable audited POS success rate for every merchant location.

That does not mean its network is poor. It means business owners should avoid relying on unsupported statements such as:

• “OPay never works.”
• “Moniepoint never fails.”
• “One terminal has 100% network everywhere.”

All electronic payment systems can experience downtime.

Why POS Transactions Fail Even When the Terminal Has Network

Seeing network bars on the terminal does not guarantee that the payment will succeed.

A transaction can fail because of:

1. The customer’s bank

The bank that issued the customer’s card may be experiencing downtime.

In this situation, your terminal can have a strong connection while the transaction still fails.

2. Weak mobile-data connection

A POS terminal normally depends on a mobile network.

Weak coverage, network congestion or a SIM problem can delay communication with the payment processor.

3. Card restrictions

The customer’s card may be expired, blocked or restricted from completing certain transactions.

4. Incorrect PIN

Several incorrect PIN attempts can cause the card or transaction to be blocked.

5. Insufficient funds

A customer may not have enough money to complete the requested withdrawal or purchase.

6. Processor or switch downtime

A problem with the payment processor or national switching infrastructure can affect several providers at the same time.

7. Terminal software problems

An outdated application, damaged software or configuration problem can interrupt transactions.

8. Battery or power issues

A weak battery may cause the terminal to shut down before the transaction is completed or printed.

9. Damaged card reader

The terminal may have difficulty reading the chip or magnetic stripe on a card.

This is why you should investigate the cause before concluding that the entire provider has a bad network.

How to Test POS Reliability Before Committing

Before choosing a terminal, take these practical steps.

Ask nearby business owners

Speak with agents, supermarkets and shops operating close to your proposed location.

Ask:

• Which terminal works better here?
• How often do you experience failed transactions?
• How quickly are disputes resolved?
• Does the representative respond?
• How long does terminal replacement take?

Local information can be more useful than a general online review.

Test different banks

Do not test the terminal with only one bank card.

Where possible, observe transactions from several major Nigerian banks. A terminal may work well with one bank while another bank is experiencing a temporary issue.

Check mobile-network strength

Find out which telecom provider has the strongest connection at your location.

A terminal that uses a weak mobile network in your area may perform poorly regardless of the provider’s national reputation.

Evaluate support before there is a problem

Call or message the support contact before you apply.

If you cannot get a useful response while trying to become a customer, the situation may not improve after you receive the terminal.

Understand the replacement process

Ask what happens when:

• The terminal stops charging
• The printer stops working
• The screen is damaged
• The terminal is stolen
• The card reader fails
• The application refuses to open

A reliable terminal is not only one that rarely fails. It is also one that can be repaired or replaced quickly.

Network Reliability Verdict

Moniepoint has the stronger overall case for high-volume POS reliability.

Its advantage comes from its business focus, published reliability claim, instant settlement, multiple terminal options and dedicated Relationship Manager system.

OPay is still a dependable option for many Nigerian merchants, especially those using its wider payment ecosystem and business-management tools.

The final decision should include local testing because actual performance can differ by location.

Settlement Speed, Failed Transactions and Reversals

A transaction is not complete simply because the terminal prints a message.

The business owner must confirm that the money has entered the correct account.

OPay Settlement

OPay promotes fast payment processing and says merchants can receive payments without unnecessary delay.

Its business dashboard allows merchants to:

• View transaction details
• Track performance
• Reconcile payments
• Manage settlement
• Generate reports
• Monitor activity across branches

These tools can make it easier to confirm whether a payment was received.

Moniepoint Settlement

Moniepoint advertises instant settlement into the business account.

Users can also view transaction history and manage business activity through the dashboard.

For a full-time agent, immediate access to successful transaction value is important because the money may be needed to serve the next customer.

What Happens When a Customer Is Debited but the POS Shows Failed?

This is one of the most stressful situations in the POS business.

A customer receives a debit alert, but your terminal shows “failed,” “declined” or “pending.”

Do not immediately give the customer cash because of a debit alert alone.

A debit alert does not always mean the transaction settled successfully to your business account.

Use the following process.

Step 1: Check your transaction history

Search for the transaction in your POS terminal, app or business dashboard.

Confirm whether it appears as:

• Successful
• Failed
• Pending
• Reversed

Step 2: Check your account balance

Confirm whether your available balance increased.

Do not rely only on the printed receipt.

Step 3: Keep the transaction reference

Save the:

• Receipt
• Session ID
• Transaction reference
• Date and time
• Amount
• Last digits of the customer’s card where available

These details may be needed for a dispute.

Step 4: Allow time for an automatic reversal

Some failed transactions reverse automatically.

The time required can depend on the customer’s bank, the processor and the type of failure.

Step 5: Log a formal dispute

When the money does not reverse within the expected period, contact support or submit a dispute through the business dashboard.

Step 6: Avoid paying twice

Do not release cash and later repeat the transaction without confirming the status of the first attempt.

You could lose the full withdrawal amount.

Which Handles Reversals Better?

Both OPay and Moniepoint provide dispute-resolution channels.

OPay’s published service commitment says its business operations team handles transaction disputes within 48 hours and provides terminal repair or swap services.

Moniepoint provides dashboard-based transaction records and access to support through the app, phone, email and its Relationship Manager structure.

Moniepoint has an advantage in publicly documented self-service support, while OPay clearly states a 48-hour dispute-handling target.

However, the provider may not have full control over how quickly the customer’s bank completes a reversal.

Customer Support and Faulty Terminal Replacement

Good customer support becomes important when your terminal stops working and your daily income is affected.

OPay Customer Support

OPay provides:

• In-app support
• POS business phone support
• Physical service centres
• Business representatives
• Terminal repair
• Terminal swap services
• Transaction dispute support

OPay says POS business support is available 24 hours a day. Its service commitment also covers account protection, repair, swap services and transaction dispute resolution.

The quality of support may still depend on the issue, location and representative handling the case.

Moniepoint Customer Support

Moniepoint provides:

• In-app support
• Phone support
• Email support
• Online help resources
• Dashboard dispute tools
• A dedicated Business Relationship Manager

The Relationship Manager is one of Moniepoint’s strongest advantages.

The person can help with:

• Terminal delivery
• Setup
• Training
• Fault reporting
• Terminal replacement
• Business questions
• Account issues

Moniepoint says an approved POS applicant is assigned a Relationship Manager during the acquisition process.

Customer Support Verdict

Moniepoint wins for personalised field support.

Having a specific Relationship Manager can make it easier to report a terminal problem than relying only on a general customer-service line.

OPay has an advantage in the range of central support channels and physical service locations.

Before choosing, investigate the representative available in your area. A good local representative can improve your experience with either provider.

Business Tools and Additional Services

A POS terminal is no longer only a machine for accepting cards.

Modern business platforms can help owners monitor employees, organise transactions and manage different branches.

OPay Business Features

OPay provides several tools for retailers and merchants.

These include:

Branch management

A business owner can monitor payment activity across different branches.

This can be useful for:

• Supermarkets
• Restaurants
• Pharmacies
• Fashion stores
• Retail chains
• Businesses with several outlets

Employee management

Employees can be assigned responsibilities or access under the business account.

This reduces the need to share the main account password with every attendant.

Transaction reporting

The business owner can view transaction history and track payment performance.

Settlement and reconciliation

Reports can help the merchant compare the payments received with daily sales.

Product and inventory management

OPay promotes tools for managing products, sales and inventory.

This can be useful for a retailer who wants one system for both payment collection and store operations.

Online payment collection

Businesses that sell online may also benefit from OPay’s wider payment infrastructure.

OPay’s strongest feature is its combination of merchant payments and retail-management tools.

Moniepoint Business Features

Moniepoint focuses more strongly on banking and financial management.

Its tools include:

Business account

The POS terminal works with a dedicated Moniepoint Business account.

This helps separate business money from personal spending.

Statements

Business owners can generate records for:

• Reconciliation
• Bookkeeping
• Tax preparation
• Loan applications
• Performance reviews

Expense management

Eligible businesses can use cards and financial tools to manage spending.

Transaction reporting

The business dashboard allows operators to review payments and business activity.

Working capital

Eligible businesses may receive access to credit or working-capital offers.

Approval is not automatic. It can depend on transaction history, account activity and risk assessment.

POS transfer collection

Customers can make transfers directly through the terminal, and the merchant can print a receipt.

Relationship-manager support

The assigned manager can help the business use the platform and resolve operational issues.

Business Features Verdict

Choose OPay when your main priority is:

• Branch management
• Employee management
• Inventory tools
• Retail reporting
• Integrated online and offline payments

Choose Moniepoint when your main priority is:

• Business banking
• Statements
• Expense management
• High-volume payment collection
• Relationship-manager support
• Potential access to working capital

Cashback, Rewards and Business Loans

Rewards can reduce transaction costs, but they should not be the only reason you choose a provider.

OPay Rewards

OPay may offer:

• Airtime discounts
• Data discounts
• Vouchers
• Merchant incentives
• Referral rewards
• Periodic campaigns

These offers can change.

A reward that is available when you apply may be reduced, replaced or removed later.

Evaluate the main service first. Treat bonuses as an extra benefit.

Moniepoint Rewards

Moniepoint operates transaction-based cashback tiers for eligible POS owners.

Its official POS page advertises up to 12% cashback on eligible withdrawal, purchase or POS transfer fees. The percentage available depends on the business’s transaction level and the terms of the reward programme.

High-volume agents may receive more value than operators who process only a few transactions.

Before depending on cashback, confirm:

• The minimum weekly volume
• The qualifying transaction types
• The reward percentage
• When the reward is paid
• Whether the tier resets weekly
• Whether the promotion has an end date

Business Loans

Both ecosystems may connect eligible businesses with financial products.

However, receiving a POS terminal does not guarantee that you will receive a loan.

Eligibility may depend on:

• Transaction volume
• Account history
• Business age
• Verification level
• Repayment history
• Credit assessment
• Provider risk rules

Do not choose a terminal only because someone promises that you will receive a loan after using it for a few weeks.

Security, Regulation and Protection of Business Funds

Both OPay and Moniepoint operate within Nigeria’s regulated financial system.

However, their exact corporate and licensing structures are not identical.

OPay operates a broad mobile-money and financial-services ecosystem, while Moniepoint’s business products are offered through Moniepoint Microfinance Bank.

Moniepoint states that it is authorised and regulated by the Central Bank of Nigeria and that eligible deposits are insured by the Nigeria Deposit Insurance Corporation.

OPay also states that it is licensed by the CBN, uses encrypted transactions and provides fraud-protection measures.

Regulation does not remove the need for personal security.

Protect your POS business by following these rules:

Never share your OTP

No legitimate representative should ask for your one-time password.

Protect your administrator password

Do not give employees full access to your main business account.

Use employee or branch-management features where available.

Confirm value before releasing cash

Do not depend only on a customer’s debit alert.

Check your own transaction history and account balance.

Report a stolen terminal immediately

Contact the provider so the terminal can be blocked.

Keep transaction records

Receipts and references can help you investigate disputes.

Avoid unknown terminal sellers

Apply through the official app, an authorised office or a verified representative.

Separate business and personal funds

Use a dedicated business account for your POS operation.

This makes reconciliation and record-keeping easier.

Can You Use OPay POS and Moniepoint POS at the Same Time?

The answer depends partly on whether you are operating as an ordinary merchant or as an agency-banking agent.

A merchant may be a supermarket, pharmacy or restaurant that uses POS terminals to collect payments for goods and services.

An agent provides financial services on behalf of a licensed institution. These services may include withdrawals, deposits, transfers and bill payments.

The Central Bank of Nigeria issued revised agent-banking guidelines in October 2025. The CBN stated that provisions concerning agent location and agent exclusivity took effect on April 1, 2026.

The CBN also introduced geographic identification requirements for POS terminals to improve oversight and reduce unauthorised or fraudulent terminal use.

This means a full-time POS agent should not simply collect terminals from several providers without understanding the current agreement and regulatory requirements.

Before using both OPay and Moniepoint for agency banking, ask each provider:

• Am I being registered as an agent or merchant?
• Does my agreement contain an exclusivity requirement?
• Is my operating location approved?
• Is the terminal registered to this exact location?
• Can I move the terminal?
• What happens if I operate for another principal?
• What transaction limits apply to my account?

Do not assume that rules for a normal retail merchant are identical to rules for a cash-in and cash-out agent.

OPay POS vs Moniepoint POS for Different Types of Businesses

There is no single perfect terminal for every Nigerian business.

The better choice depends on how you plan to use it.

Best POS for a Full-Time Withdrawal Agent

Recommended option: Moniepoint

A full-time agent needs:

• Strong transaction processing
• Clear withdrawal fees
• Fast settlement
• Field support
• Good transaction records
• Terminal replacement
• Easy dispute handling
• Cash-flow visibility

Moniepoint’s published pricing and Relationship Manager system make it the stronger option for this type of business.

However, confirm its performance in your location before committing.

Best POS for a Small Shop or Mini-Mart

Recommended option: OPay or Moniepoint, depending on your priorities

Choose OPay when you need:

• Employee management
• Branch management
• Product or inventory tools
• Online and offline payment collection
• Integration with the OPay ecosystem

Choose Moniepoint when you need:

• Clear business statements
• A dedicated business account
• Relationship-manager support
• Strong agency-banking features
• Expense-management tools

For a small shop that mainly accepts payment for goods, OPay may provide a more complete retail-management experience.

For a shop that also runs a busy cash-withdrawal service, Moniepoint may be better.

Best POS for Supermarkets and Pharmacies

A supermarket or pharmacy needs more than withdrawal services.

Important features include:

• Fast card payment
• Multiple employee access
• Clear receipts
• End-of-day reports
• Branch monitoring
• Settlement records
• Refund and dispute support

OPay has an advantage in employee, branch, product and inventory management.

Moniepoint has an advantage in structured business banking and detailed financial records.

A large supermarket may decide to use a proper merchant-acquiring setup rather than operating under an agent-banking account. Discuss the correct merchant arrangement with the provider.

Best POS for Restaurants and Hospitality Businesses

Restaurants need fast checkout and clear payment confirmation.

A delayed payment can create an argument between the customer and staff, especially when the customer has already consumed the service.

OPay may be attractive because of its branch, employee and customer-management tools.

Moniepoint may be preferable for a high-volume restaurant that prioritises settlement, statements and business banking.

The quality of the internet connection inside the restaurant should also influence the choice.

Best POS for High-Volume Market Locations

Recommended option: Moniepoint

Busy markets require:

• Strong battery performance
• Reliable card processing
• Quick support
• Clear fees
• Fast settlement
• Easy reconciliation
• Terminal replacement

Moniepoint’s business-focused support structure makes it the stronger overall choice for operators processing large amounts daily.

That said, OPay may still be useful where it has stronger local representatives or network performance.

Best POS for New Agents With Limited Capital

Recommended option: Compare the current OPay offer with Moniepoint’s published cost

A new agent should calculate more than the terminal cost.

Startup expenses may include:

• Shop or kiosk rent
• Cash float
• Furniture
• Umbrella or shelter
• Generator or power bank
• Data
• Security
• Signage
• Registration
• Transport
• Receipt paper

OPay may be appealing if the applicant qualifies for a free or reduced-cost terminal offer.

Moniepoint offers a clearer publicly stated acquisition price.

Do not start a POS business with all your money tied up in the terminal. You still need enough cash and electronic float to serve customers.

Best POS for Businesses With Multiple Employees

Recommended option: OPay for retail controls; Moniepoint for banking controls

OPay promotes tools for managing branches, employees, customers, products and business reports.

Moniepoint provides business accounts, transaction records and expense-management tools.

A retailer trying to control attendants may prefer OPay.

A company trying to control business spending and maintain banking records may prefer Moniepoint.

Advantages and Disadvantages of OPay POS

Advantages of OPay POS

• Broad consumer and merchant ecosystem
• Fast payment settlement
• Branch-management tools
• Employee-management tools
• Product and inventory features
• Real-time transaction reports
• Online and offline payment collection
• Repair and swap services
• Multiple customer-support channels
• Potential discounts and merchant promotions

Disadvantages of OPay POS

• No single universal public terminal price for every applicant
• Merchant charges may vary
• Promotional offers can change
• Local representative quality may differ
• Actual network performance depends on location
• Terms attached to a free terminal may not always be obvious from promotional wording

Advantages and Disadvantages of Moniepoint POS

Advantages of Moniepoint POS

• Strong reputation among POS agents
• Publicly stated terminal acquisition cost
• Clear withdrawal-fee structure
• Dedicated Relationship Manager
• Instant settlement
• Business banking tools
• Transaction statements
• Smart POS and mPOS options
• Cashback for eligible operators
• Support for POS transfers
• Strong fit for high-volume transactions

Disadvantages of Moniepoint POS

• The ₦21,500 entry cost may be higher than some promotional offers
• Cashback depends on transaction activity
• Terminal availability may depend on location
• Delivery may take longer than advertised in some areas
• The quality of support can depend on the assigned manager
• It can still experience bank, processor or network downtime
• Business qualification and location approval may be required

OPay POS vs Moniepoint POS: Final Verdict

After comparing the terminal cost, charges, network reliability, settlement, support and business features, Moniepoint is the better overall option for full-time POS agents and high-volume Nigerian businesses.

Choose Moniepoint when:

• You want to run a serious agency-banking business
• You process many withdrawals
• You need clear published charges
• You want a dedicated Relationship Manager
• You need business statements
• You value structured terminal support
• You want a complete business-banking platform

Choose OPay when:

• You run a shop, pharmacy, restaurant or mini-mart
• You need branch and employee management
• You want inventory and product-management tools
• You already receive many OPay payments
• You qualify for an attractive terminal offer
• You want online and offline payment tools in one ecosystem

The overall winner is Moniepoint, but the gap is not wide enough to ignore local conditions.

A responsive OPay representative and strong OPay performance in your location may be more useful than a Moniepoint terminal with poor local support. The reverse can also be true.

Speak with nearby operators, confirm your charges and understand your contract before choosing.

To get started, open an OPay account using this registration link and check the business services available to you.

For Moniepoint, create your account through this Moniepoint invitation link and complete the required business verification.

Opening an account does not automatically guarantee POS approval. Terminal availability and eligibility may depend on verification, location and the provider’s current requirements.

Frequently Asked Questions

Is Moniepoint POS better than OPay POS?

Moniepoint is better for most full-time POS agents and businesses processing high transaction volumes. It provides clear terminal pricing, published withdrawal charges, a Relationship Manager and strong business-banking tools.

OPay may be better for small retailers that need branch, employee and inventory-management features.

The best option still depends on local performance and the rates assigned to your account.

Which has the best POS network in Nigeria: OPay or Moniepoint?

Moniepoint has the stronger overall case for POS network reliability, particularly for high-volume business use.

However, neither provider can guarantee perfect transaction success everywhere. Local mobile-network coverage, the customer’s bank, card processors and national payment infrastructure can affect both terminals.

Ask nearby agents which one performs better in your location.

Which has lower charges, OPay or Moniepoint?

Moniepoint publishes a 0.5% withdrawal charge up to ₦20,000 and a ₦100 charge above ₦20,000.

OPay’s applicable rate can depend on the merchant category, transaction type or account level.

An OPay merchant with a favourable rate may pay less. Another merchant may pay more. Check your current in-app fee schedule before deciding.

How much does an OPay POS terminal cost?

OPay does not display one universal public price that applies to every terminal and applicant.

The cost or requirement may depend on:

• Terminal type
• Business category
• Location
• Promotion
• Transaction expectations
• Account level

Confirm the amount in the OPay Business app or through an authorised representative.

How much does a Moniepoint POS terminal cost?

Moniepoint currently publishes a cost of ₦21,500.

The amount includes a ₦10,000 caution fee, ₦10,000 logistics fee and ₦1,500 insurance fee for one year.

Prices and terms can change, so confirm the displayed amount before making payment.

Can I use OPay POS and Moniepoint POS together?

A normal merchant accepting customer payments may be treated differently from a registered agency-banking operator.

The CBN’s revised agent-banking framework includes rules concerning agent location and exclusivity.

Ask both providers whether you are being registered as a merchant or agent and whether your contract allows you to operate another provider’s terminal.

Which POS is best for a withdrawal business in Nigeria?

Moniepoint is the stronger overall option for a high-volume withdrawal business.

Its benefits include:

• Clear charges
• Business statements
• Instant settlement
• Dedicated field support
• Terminal options for different transaction volumes

Test the terminal in your operating location before relying on it fully.

Which POS is better for a supermarket?

OPay may be better for a supermarket that values employee, branch, product and inventory-management tools.

Moniepoint may be better where the supermarket prioritises business banking, financial reports, expense control and high-volume payment collection.

A large supermarket should ask for the correct merchant payment arrangement rather than applying only as a withdrawal agent.

How long do OPay and Moniepoint reversals take?

The time depends on the type of failed transaction, payment processor and customer’s bank.

OPay publishes a target of handling business transaction disputes within 48 hours.

Moniepoint allows operators to review transaction history and report eligible problems through its business support system.

Some reversals happen automatically, while others require a formal dispute.

Do OPay and Moniepoint give business loans?

Eligible users may receive access to credit or working-capital products, but approval is not guaranteed.

The provider may consider:

• Transaction history
• Business activity
• Account age
• Verification
• Credit risk
• Repayment capacity

Do not choose a POS terminal only because someone promises that you will receive a loan.

What should I do when a customer is debited but my POS shows failed?

Do not release cash based only on the customer’s debit alert.

Check your transaction history and account balance. Save the receipt, reference number, amount, date and time.

If the transaction did not settle, ask the customer to wait for an automatic reversal. Log a dispute when the reversal does not happen within the expected period.

Conclusion

The OPay POS vs Moniepoint POS comparison does not have the same answer for every Nigerian business owner.

Moniepoint is the better overall choice for full-time agents, busy withdrawal locations and high-volume businesses. It offers clearer public pricing, structured business banking and dedicated field support.

OPay is a strong choice for small retailers and merchants that need employee, branch, inventory and payment-management features.

Do not choose based only on the terminal price or a temporary reward.

Compare:

• Local network performance
• Withdrawal charges
• Transfer fees
• Settlement
• Dispute resolution
• Terminal replacement
• Customer support
• Business tools
• Agent-contract conditions

For OPay, use this OPay registration link to open your account.

For Moniepoint, use this Moniepoint signup link to create your account.

Complete the required verification and confirm the current POS terms before paying for or accepting a terminal.

Affiliate disclosure: Some of the registration links in this article are affiliate links. The publisher may receive a referral reward when an eligible user registers or completes the required actions through these links. This does not increase the amount you pay and did not affect the comparison or final recommendation.