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

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

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

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

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

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

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

In Nigeria today, saving money feels harder than ever. Prices rise, unexpected bills show up, and before you know it, your income disappears. But here’s the truth: saving isn’t about having millions to set aside. It’s about consistency, discipline, and having the right tools. The good news? You don’t have to do it alone anymore. A growing number of apps are making it easier for Nigerians to save smartly, earn interest, and actually stick to their goals. Among them, Nearpays is fast becoming a favorite — but we’ll get to why in a moment. Let’s look at some of the best apps to save money in Nigeria in 2025, and how each one works.

In business, access matters. Give someone the right tools, and they can run a branch like a well-oiled machine. Limit access, and you maintain streamlined and secure operations. On the Nearpays Corporate Dashboard, the difference between a Manager and a Staff isn’t just about job titles; it’s about control, visibility, and responsibility. Understanding these roles can save you time, reduce errors, and keep your business data secure

For many university students in Nigeria, it’s not a lack of motivation or access to the internet that’s stopping them from enrolling in online courses. It’s payment. Most online learning platforms, including Coursera, Udemy, LinkedIn Learning, and even academic journal subscriptions, require payment in USD. And Nigerian banks? Not exactly making it easy. But what if there was a way to pay for all of them, instantly, without needing a dollar bank account?