Feature/OPED
Nigeria’s Invoice Gap: Why Late Payments Are Stalling Small Businesses and What Can Be Done About It
By Ope Adeoye
If you run a school, a clinic, a co-operative, or a service business in Nigeria, you know the pattern. You deliver value now, then spend days or weeks chasing the cash that keeps the doors open. Some customers pay instantly. Others pay after reminders. Too many pay long after you have covered the cost of delivery. That gap between earned revenue and received cash is where small businesses suffocate.
This is not a side story. MSMEs account for the overwhelming share of Nigerian businesses and a very large share of employment and GDP. When late payments lock up working capital, owners borrow to meet payroll, push back inventory purchases, and miss opportunities because cash is trapped in limbo. For a school proprietor that might mean delaying teacher salaries or postponing repairs. For a clinic it might mean stretching medicine stock. For a co-op it slows the lending cycle that members depend on.
The national payments landscape shows a different picture. Nigerians have embraced digital rails for everyday value exchange. Instant transfers and other e-payment instruments now carry large volumes each year. Card acceptance is wider, bank apps are better, and many merchants already take digital payments. Willingness and tools exist. The problem for recurring obligations is not whether customers can pay. The problem is whether they do so on time and without constant human follow up.
Recurring payments often behave like yesterday. An invoice goes out, a WhatsApp reminder follows, then a second and a third. Parents promise to transfer fees next week. Members say they will renew dues when they get paid. Owners carry the administrative load and the emotional burden. It is fragile by design because memory fails and monthly liquidity swings. Teams spend hours babysitting receivables instead of serving customers.
Nigeria already has the plumbing to make recurring payments act differently. Under the Central Bank framework and NIBSS infrastructure, a customer can give consent for a defined amount and a defined schedule. With a direct debit mandate in place, the system moves funds on due dates and records a clear trail. The rules require consent, auditability, reminders, and recourse. The rails are not new. They are simply under-used by many consumer-facing SMEs.
Move fee collection or dues from chase to consent and the picture changes. Parents approve once, then pay in predictable instalments. Co-op members stay current without monthly nudges. Businesses gain a rhythm that matches payroll and supplier cycles. Reminders do not disappear, they shift to helpful notifications before each debit. Administration shrinks. Relationships improve because owners stop playing debt collector and return to the role customers value them for.
If the rails exist, why is adoption uneven? Three reasons recur in field conversations. First, onboarding can feel complex if mandate screens are clunky or unfamiliar. Second, trust requires transparency. People want clear pre-debit alerts and easy pause or cancel options. Third, operators need tools that plug into everyday workflows. Reconciliation should be automatic. Notifications should be instant. Staff should not need a separate spreadsheet to keep up.
That is the gap we have focused on at OnePipe. We built PaywithAccount to help schools and similar SMEs set up those consents cleanly and collect on schedule through Nigeria’s regulated direct debit system. The idea is simple. Customers grant permission in plain language. On due dates, funds move from bank accounts to the business account through the trusted rails many Nigerians already use for transfers. For the operator, the benefits are practical. Cash becomes predictable. Admin becomes lighter. Reconciliation becomes faster. For the customer, control and clarity remain in place.
None of this suggests that late payments will vanish overnight. It does suggest that a country which has already shifted a huge share of commerce to digital can move a bigger share of recurring obligations from manual to mandated. The change starts with design. Pick a pilot segment such as returning families who already pay in parts. Offer instalments with clear reminders and a visible stop switch. Measure days sales outstanding before and after one term. Share results with parents and stakeholders. Scale steadily.
There is also a role for associations and ecosystem players. School owner groups and co-ops can issue model templates that standardise consent language. Banks and processors can keep smoothing mandate user experience and dispute handling. Media can highlight practices that keep children in class and keep small businesses solvent. Policymakers can amplify the message that on time payment is not only a private matter. It protects jobs, keeps services stable, and reduces friction across the local economy.
Predictable revenue is oxygen. When it flows on time, owners plan. When owners plan, teams perform. When teams perform, communities thrive. That is a change worth making this term.
Feature/OPED
Taxation Without Representation
By Dr Austin Orette
The grandiosity of Nigerians when they discuss events and situations can be very funny. If the leaders use this kind of creativity in proffering solutions, we may be able to solve some of the problems that plague Nigeria perennially.
There seems to be a sublime affectation for new lingos when the system is being set to punish Nigerians. It is a kind of Orwellian speak.
Recently, there was no electricity throughout the country. The usual culprit and government spoke; people came out to tell us the power failure was due to the collapse of the National grid. Does it really matter what is collapsing? This is just an attempt by some government bureaucrats to sound intelligent.
Intelligence is becoming a borrowed commodity from the IMF or World Bank. What does it mean when you tell Nigerians that the national grid collapsed? Is that supposed to be a reassurance, or it is said to give the assurance that they know something about the anemic electricity, and we should get used to the darkness. This is a language that is vague and beckons the consumer to stop complaining. Does that statement mean anything to Nigerians who pay bills and don’t see the electricity they paid for? If they see it, it comes with an irregular voltage that destroys their newly purchased appliances. Just tell or stay quiet like in the past.
Telling us that a grid collapse is a lie. We have no national grid. Do these people know how silly their language sounds? Nigeria produces less than 10,000 megawatts of electricity for a population of 200 million people. How do you permutate this to give constant electricity to 200 million people? It is an insult to call this low output a national grid. What is so national about using a generator to supply electricity to 200 million people? It is simple mathematics. If you calculate this to the minute, it should not surprise you that every Nigerian will receive electricity for the duration of the blink of an eye. They are paying for total darkness, and someone is telling them they have an electricity grid.
If you can call the 10,000-megawatt national grid collapsed, it means you don’t have the mind set to solve the electricity problem in Nigeria.
To put it in perspective is to understand the basic fact that the electrical output of Nigeria is pre-industrial. Without acknowledging this fact, we will never find solutions as every mediocre will come and confuse Nigeria with lingos that make them sound important.
It is very shameful for those in the know to always use grandiose language to obfuscate the real issues.
South Africa with a population of sixty million produces about 200,000 megawatts of electricity daily. Nigeria produces less than 10,000 megawatts. Why South Africa makes it easy to lift the poor from poverty, Nigeria is trying to tax the poor into poverty.
The architects of the new tax plan saw the poor as rich because they could afford a generator.
A non-existent subsidy was removed, and the price of fuel went through the roof. Now the government says they are rich. What will they get in return for this tax extraction? Why do successive Nigerian governments always think the best way to develop Nigeria is to slap the poor into poverty? What are the avenues for upward mobility when youth corps members are suddenly seen as rich taxpayers? Do these people know how difficult it is to start a business in Nigeria?
After all the rigmarole from Abuja to my village, I cannot get a government certificate without a-shake down from government bureaucrats and area boys. The government that is so unfriendly to business wants to tax my non-existing businesses. Are these people in their right state of mind? Why do they think that taxing the poor is their best revenue plan? A plan like this can only come from a group of people who have no inkling of what Nigerians are going through. People can’t eat and the government is asking them to share their meager rations with potbellied people in Abuja.
Teach the people how to fish, then you can share in their harvest. If an individual does what the government is doing to Nigerians, it will be called robbery, and the individual will be in prison. When the government taxes people, there is a reciprocal exchange. What is being done in Nigeria does not represent fair exchange.
Nigerians have never gotten anything good from their government except individual wealth that is doled out in Abuja for the selected few.
The question is, will Nigerians have a good electricity supply? NO. Will they have security of persons and properties? No. Will they have improved health care? NO. Will there be good roads? No. Will they have good schools and good education? No.
Taxation is not good governance. A policy like this should never be rushed without adequate studies. Once again, our legislators have let us down. They have never shown the people the reason they were elected and to be re-elected. They are not playing their roles as the watchdog and representatives of the people. Anyone who voted for this tax bill deserves to lose their positions as Senators and Members of the House of Representatives.
We are not in a military regime anymore. Nigerians must start learning how to exercise their franchise. This taxation issue must be litigated at the ballot box. The members of the National Assembly have shown by their assent that they don’t represent the people.
In a normal democracy, taxation without representation should never be tolerated. They must be voted out of office. We have a responsibility and duty to use our voting power to fight unjust laws. Taxation without representation is unjust. Those voted into power will never respect the citizens until the citizens learn to punish errant politicians by voting them out of office. This responsibility is sacred and must be exercised with diligence.
Dr Austin Orette writes from Houston, Texas
Feature/OPED
Why GOtv Continues to Shape Nigeria’s Home Entertainment Culture
For many Nigerian families, GOtv has become more than a television service. It is part of the daily routine. It is what people unwind with after a long day, what keeps children entertained on quiet weekend mornings, and what brings households together during football matches, movie nights, and festive celebrations. Over the years, GOtv has blended naturally into these everyday moments, shaping the way Nigerians enjoy entertainment at home.
Here are some of the reasons GOtv continues to stand out.
1. Local Content That Feels Like Home
Nigerians love stories that reflect their lives, and GOtv delivers this consistently. With Africa Magic, ROK, and other local channels, viewers enjoy Nollywood movies, relatable dramas, reality shows, and lifestyle programming that speak their language. These are familiar faces, familiar stories, and familiar experiences. GOtv understands the value of cultural connection and continues to invest in the content viewers care about.
2. Affordable Packages That Work for Real Families
GOtv has built its reputation on affordability. With packages designed for different budgets, families can enjoy quality entertainment without financial pressure. Some of the affordable packages on GOtv include GOtv Jinja, GOtv Jolli, GOtv Max, GOtv Supa, GOtv Supa Plus. This balance of good content at a comfortable price is a major reason GOtv remains a trusted household name across Nigeria.
3. A Channel Lineup That Has Something for Everyone
The beauty of GOtv is its range. Children enjoy their cartoons and animated shows, parents relax with movies and telenovelas, sports lovers stay connected to live games and highlights, and music and lifestyle channels keep the energy lively. Whether it is catching up on the news, finding something light after work, or choosing a family movie for the weekend, GOtv fits naturally into everyday Nigerian life.
4. Programming That Matches Our Daily Rhythm
GOtv understands the way Nigerians watch television. Weeknights come with easy to follow entertainment, weekends offer longer movies and marathons, and festive seasons arrive with special programming that brings everyone together. The schedule is practical, familiar, and aligned with the pace of Nigerian homes.
5. Easy Access Across the Country
From major cities to smaller communities, GOtv remains reliable and easy to use. Installation is straightforward, navigation is simple for both adults and children, and the service works seamlessly across the country. Even when life gets busy, GOtv makes it easy to stay connected, subscribers can pay and reconnect instantly without long processes or penalties, picking up right where they left off.
With relatable content, pocket-friendly pricing, and a channel lineup built around real Nigerian lifestyles, GOtv has earned its place in homes across the country. As the entertainment landscape evolves, GOtv continues to grow with its viewers, shaping how Nigerians watch, share, and enjoy moments together every day.
Feature/OPED
Tegbe Highlights Benefits of Nigerian Tax Reform Acts
Chairman of the National Tax Policy Implementation Committee (NTPIC), Mr Joseph Tegbe, has enumerated the benefits of the Nigerian Tax Reform Acts 2025, stating they mark a significant turning point in the country’s pursuit of a robust and sustainable economy.
In an article published in several national publications, Mr Tegbe said the tax laws were a comprehensive overhaul of the country’s fiscal architecture, aimed at creating a modern, efficient, and transparent tax system that supports economic growth, development, and prosperity for all Nigerians.
The NTPIC chair, who is also the Director-General of the Nigeria-China Strategic Partnership (NCSP), affirmed that the new tax laws are built around four key pillars: reconnecting the economy to the state, standardising and modernising fiscal administration, promoting predictability, and re-balancing the fiscal social contract.
“By broadening the tax net, simplifying rules, and improving administration, we are creating a more predictable fiscal environment that supports businesses and households,” he explained.
He cited global best practices that informed the reforms like South Korea, Singapore, and Rwanda, where tax reforms have driven economic growth and development.
“These countries have shown that with the right policies, institutions, and leadership, it is possible to transform a nation’s economy and improve the lives of its citizens,” he said.
According to him, the tax reform will protect low-income earners and small businesses, with measures such as zero tax rates for those earning up to N800,000 and the expansion of zero-rated VAT items for critical sectors, including healthcare, education, and agriculture.
“By taking away the tax burden on small income earners and small businesses, the reforms aim to preserve livelihoods, encourage formal participation, and allow enterprises to grow organically. We recognise that these sectors are critical to our nation’s development, and we are committed to supporting them,” he noted.
The Acts also emphasise digitalisation and technology-driven tax administration, with the introduction of e-invoicing to improve compliance, transparency, and reduce administrative burdens, a significant step towards modernising the tax system and making it more efficient, he posited.
Consequently, he emphasised that the success of the reform depends on careful implementation, necessitating ongoing engagement with stakeholders to ensure proper understanding.
The implementation of the tax Act is expected to stabilise the fiscal environment, support production, protect critical sectors, and modernise tax administration in line with global standards, adding it will also enhance Nigeria’s ease of doing business, attract foreign investment, and generate employment opportunities.
“We are confident that these reforms will unlock new opportunities for businesses, investors, and entrepreneurs, and contribute to the growth and development of our economy,” he added.
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