Nigeria’s informal economy remains one of the largest and most dynamic sectors in Africa. From street vendors and artisans to small shop owners and okada riders, millions of Nigerians rely on informal trade to make a living. However, operating in a largely cash-based system has often created inefficiencies, financial risks, and limited growth potential.

In recent years, digital payment platforms like OneCard have begun to change this narrative by offering accessible, flexible, and easy-to-use payment solutions for essential services such as airtime and data recharges, electricity bills, and TV subscriptions.

Empowering the Underbanked OneCard’s multi-channel access—including physical outlets, web, mobile, and POS—makes it possible for users in both urban and rural areas to access digital financial services without needing a traditional bank account. This directly supports financial inclusion and empowers users to manage their finances more efficiently.

Convenience That Drives Productivity With OneCard, informal workers can top-up airtime or pay for electricity on-the-go, avoiding long queues or service interruptions. This seamless access to utilities allows small businesses to operate more reliably, communicate with customers, and ultimately increase productivity.

Revenue Generation for Micro-Entrepreneurs Through its reseller and agent programs, OneCard also enables micro-entrepreneurs to earn additional income by selling recharge cards and providing payment services within their communities. This boosts local economies and creates new streams of income.

Digital payments are no longer a luxury—they’re a necessity. As Nigeria continues its transition toward a cashless economy, platforms like OneCard are becoming integral to the growth and formalization of the informal sector.