As a POS(Point of Sales) agent or someone looking to start the POS business in 2025, you need to understand the different agent models that are best for you. Starting a POS business in 2025 may be different, particularly in an era where cashless transactions are becoming the norm. Although the Nigerian economy is transitioning to a more cashless system, being a POS agent remains a lucrative venture. People still need a little cash often. Whether you’re looking to provide services such as cash withdrawals, bill payments, or mobile top-ups, choosing the right POS model can help you grow.

This post will guide you through what a POS business is and the best models to adopt in 2025.

What is the POS Business?

The POS business is a model in which POS agents become intermediaries between customers and financial institutions. This business model offers access to banking services in areas where traditional banking options are scarce. The rise of mobile payments and cashless policies has led POS businesses to grow because services are no longer limited to unbanked areas. 

Here are the POS models you can adopt in 2025

1. Standalone POS Agent Model

If you adopt this, you can operate your own POS machine and provide financial services directly to customers. It works best when you have a physical location, such as a kiosk or mobile booth. You can partner with a financial service provider like Kashzoo to offer services like cash withdrawals, bill payments, and mobile money transfers. However, this model can cost between  ₦50,000 and ₦200,000 to set up.

Benefits

• Flexible operating hours
• High commission potential for frequent transactions
• Independence in your operations

2. POS Agent Aggregator Model

In this model, there are individuals, companies or platforms that recruit, manage, and support multiple POS agents under their network. They partner with banks or fintech companies to provide POS terminals, process transactions, handle settlements, and offer customer support to agents. Aggregators earn commissions from the transactions processed by their agents.

Benefits

• Earn Commission at Scale
• Partnership Opportunities
• Flexible Operations
• Recurring Income
• Brand Recognition

3. Mobile POS Agent Model

This has become a growing due to its benefits. The mobile POS model utilises portable POS devices or smartphones equipped with POS apps to deliver services on the go. This model is perfect for agents who want to offer services at remote locations, events, markets or on the streets. 

Benefits

• Mobility and flexibility
• Easy and cheap start-up
• Increased customer, more profits

4. Add-On POS Agent Model

You can offer POS services as an additional source of income, while managing your existing business. If you already own a shop, supermarket, or other customer-facing business, you can easily add POS services to it. 

Benefits

• Fast integration with existing business
• Low start-up investment (especially if you already have a customer base)
• Increased foot traffic and customer loyalty

Our Take

The POS business model in 2025 presents many opportunities. From offering mobile POS services to joining an established network of agents or integrating POS services into your existing business. You may choose to operate independently or work with a partner like Kashzoo, but the important thing is to pick the model that works best for you. The demand for POS services is high, and with the right approach, you can establish yur POS business and thrive.