But with a soft POS, mobility gets a whole lot easier. This solution turns your phone into a powerful payment tool, letting you accept tap-to-pay transactions instantly wherever you are,  whether you’re navigating crowded markets, setting up at outdoor events, or selling door-to-door in remote areas.

The beauty of it is flexibility, no need for a fixed location or clanky hardware. You move, you sell. In a bustling market like Ajegunle or at a tech conference in Lagos, payments happen on your terms.

Even if network drops momentarily, transactions queue up securely and sync when you’re back online.

Imagine focusing on closing deals at an open-air expo in Calabar while payments flow seamlessly through your phone. No queues, no fuss.

Customers love the quick, card-based payments, and you keep growing your business without missing a beat.

Small businesses in Nigeria’s dynamic neighborhoods thrive when they can move fast, and a soft POS keeps you moving.

From food vendors in Port Harcourt to fashion sellers in Abuja, accepting payments is now as mobile as you are. Offline or online, it works.

This shift to mobile payments isn’t just convenient, it’s a growth lever. More sales happen when customers can pay with a tap, and you can manage everything from your phone. Real-time updates mean you stay on top of business without being tied to a desk.

In Nigeria’s vibrant markets or quieter towns, a soft POS keeps you agile and connected – and that’s where business happens nowadays.

Victor Daniyan is the founder and CEO of Nearpays and Yourrider, two startups transforming fintech and clean energy in Africa. A Certified Management Consultant and Forbes 30 Under 30 nominee for 2024, he is recognized as one of Africa’s bold voices in payment innovation and sustainable energy.

Established in 2023, Nearpays operates within Africa’s digital payments landscape, providing technology-driven solutions designed to expand access to electronic payments.

The company focuses on building accessible and sustainable financial infrastructure that supports businesses and underserved communities across the continent.

Nearpays’ product offerings include Soft POS and Offline Soft POS solutions, which enable merchants to accept card payments with or without internet connectivity.

According to the company, this capability addresses connectivity limitations in many markets and supports broader participation in digital commerce.

The company also operates a digital receipt system aimed at reducing reliance on paper, promoting environmentally responsible transactions and supporting clean finance practices.

Beyond its commercial operations, Nearpays has gained international recognition for its approach to applying technology to financial inclusion challenges.

In 2026, the company was selected to represent Africa at the United Nations “AI for Good” event in Johannesburg, highlighting its role in leveraging innovation to address access gaps within the financial system.

Nearpays also recorded a global milestone after winning the inaugural GITEX Africa Innovation Award in Morocco, a recognition that placed the company among emerging technology firms demonstrating scalable and impactful solutions on an international stage.

The BusinessDay Top 100 Fastest Growing SMEs ranking is determined using criteria such as revenue growth, scalability, innovation, market expansion and business sustainability.

Nearpays’ inclusion reflects its operational progress and growing participation within Africa’s fintech and digital payments ecosystem.

Nearpays stated that it will continue to strengthen its technology, support digital adoption among businesses and advance Africa’s transition towards inclusive, sustainable and technology-driven financial systems as it scales its operations.