A Moniepoint POS can become a good source of income, but there is no fixed amount that every agent makes each day or month.

Your earnings depend mainly on how many customers use your terminal, the type and value of transactions you process, the fees you charge customers, your operating expenses, and the rewards available on your account.

This means one POS operator may make only a modest amount in a day, while another operating in a busy market, campus, transport area or commercial street can generate considerably more.

Moniepoint also currently offers cashback rewards to eligible POS owners based on their weekly transaction volume. The company says POS owners can get up to 12% back on applicable POS payment fees and up to ₦5 back on interbank transfers under its current reward structure.

How Do You Make Money With a Moniepoint POS?

The main way a POS operator makes money is by providing financial services to customers and charging applicable service fees.

Depending on the services you offer, customers may use your terminal for:

Cash withdrawals
Transfers
Card payments
Other payment-related services

Your gross income is therefore influenced by the number of transactions you process and the amount you earn from each transaction.

For example, if your business serves many customers every day, even relatively small earnings from individual transactions can add up over a month.

However, transaction value is not the same as profit.

Processing ₦1 million through your POS does not mean you have made ₦1 million. The money belongs to the customers and is simply being processed through your terminal.

Your actual income comes from the applicable charges, commissions, rewards and other legitimate revenue generated by the POS business.

How Much Can a Moniepoint POS Agent Make Per Day?

There is no official fixed daily income for every Moniepoint POS owner.

Your daily earnings can vary significantly depending on your location and customer traffic.

For example, consider a POS operator who makes an average of ₦100 from each of 30 customer transactions in a day.

That would be:

30 transactions × ₦100 = ₦3,000 gross daily income

If the operator handles 50 similar transactions:

50 × ₦100 = ₦5,000

And at 80 transactions:

80 × ₦100 = ₦8,000

These are illustrative calculations, not guaranteed Moniepoint earnings. The actual amount you can charge or retain depends on the service, transaction amount, applicable charges and your business costs.

This is why customer volume is one of the biggest factors in determining how profitable a POS location can become.

How Much Can You Make With Moniepoint POS in a Month?

A simple way to estimate your monthly gross income is:

Average daily income × number of operating days = estimated monthly gross income

For example, if a POS business generates ₦3,000 in gross income on an average day and operates for 26 days:

₦3,000 × 26 = ₦78,000

At ₦5,000 per operating day:

₦5,000 × 26 = ₦130,000

At ₦8,000 per operating day:

₦8,000 × 26 = ₦208,000

Again, these figures are examples for understanding the calculation. They should not be presented as guaranteed Moniepoint POS salaries or official earning estimates.

Your final profit will be lower after expenses.

Gross Income vs Actual Profit

This is one of the most important things to understand before starting a POS business.

Suppose your POS business generates ₦130,000 in gross income during a month.

You may still have expenses such as:

Shop or kiosk rent
Electricity
Internet or data
Transportation
Staff wages
Cash management costs
Security
Business registration and tax obligations where applicable
Other daily operating expenses

If your total operating expenses are ₦30,000, your simplified operating profit would be:

₦130,000 − ₦30,000 = ₦100,000

The actual result will depend on your business structure and expenses.

So when someone asks, “How much can you make with Moniepoint POS?”, it is better to distinguish between gross earnings and net profit.

Does Transaction Volume Affect Moniepoint POS Rewards?

Yes.

Moniepoint’s current rewards system uses weekly transaction volume to determine the applicable reward tier for POS owners.

The current published tiers are:

Weekly transaction value	Reward tier
₦0 – ₦699,999	Rising Star
₦700,000 – ₦2,499,999	Super Star
₦2,500,000 and above	Mega Star

The company says the tier is based on weekly POS transaction value, including card swipes and POS transfers.

This is different from saying that an agent receives a percentage of the entire amount processed.

The reward is calculated based on applicable transaction fees.

How Moniepoint’s Current Cashback Can Increase Your Earnings

Moniepoint currently advertises cashback for eligible POS owners.

For POS payments, the company says:

Rising Star: no cashback
Super Star: 8% of the applicable transaction fee
Mega Star: 12% of the applicable transaction fee

For interbank transfers, the published structure provides:

Rising Star: no cashback
Super Star: 8% of the applicable transaction fee
Mega Star: 25% of the applicable transaction fee

Moniepoint says the tiers reset weekly.

For example, if an applicable POS transaction has a ₦100 transaction fee and the business is in the Mega Star tier, 12% of that fee would be:

₦100 × 12% = ₦12 cashback

The important point is that the 12% is applied to the fee, not 12% of the customer’s entire transaction amount.

Can You Make More Money as Your Transaction Volume Increases?

Potentially, yes.

Higher transaction volume can give a POS business two advantages.

First, more customers and transactions can generate more service income.

Second, higher weekly transaction activity can move an eligible POS owner into a higher Moniepoint rewards tier.

But there is an important distinction:

Higher transaction volume does not automatically mean higher profit.

If a location has high transaction volume but also has high rent, frequent power expenses, security costs or other overheads, the additional revenue may not translate into equally high profit.

Where Can a Moniepoint POS Make More Money?

Location can have a major effect on customer traffic.

A POS placed in an area where people regularly need cash or payment services may have more transaction opportunities than one located in a quiet residential area.

Potentially busy locations include:

Markets
Student areas
Transport hubs
Busy commercial streets
Areas with many small businesses
Residential communities with limited nearby banking facilities

However, competition also matters.

If several POS operators are already serving the same customers, you may need to compete through convenience, reliability, customer service and location rather than simply increasing your charges.

How Much Capital Do You Need to Start?

The amount required depends on your setup and the current terms offered by the provider.

Moniepoint’s current POS page states that requesting a terminal requires ₦21,500, comprising a ₦10,000 caution fee, ₦10,000 logistics fee and ₦1,500 insurance fee for one year.

However, getting the terminal is only one part of starting a POS business.

You also need enough working capital to serve customers who want to withdraw cash.

For example, a POS terminal is not very useful for a withdrawal customer if you do not have enough physical cash available.

Your working capital requirement will therefore depend heavily on your expected transaction volume and location.

What Can Reduce Your Moniepoint POS Profit?

Making money from POS transactions does not mean every transaction becomes pure profit.

Several factors can reduce your final income.

1. Low Customer Traffic

A terminal can sit unused for most of the day if the location does not have enough demand.

2. Operating Expenses

Rent, electricity, data, transportation and staff costs can take a significant portion of your revenue.

3. Competition

When many agents operate close to each other, attracting customers can become more difficult.

4. Cash Availability

You need enough cash to meet withdrawal demand. Running out of cash can mean losing customers and transactions.

5. Transaction Problems

Failed transactions, disputes and other operational issues can consume time and affect customer confidence.

Moniepoint advertises instant settlement and support for its POS products, but individual transaction issues can still occur in any payment business.

Is Moniepoint POS Profitable?

A Moniepoint POS business can be profitable, but profitability depends on the economics of the individual location.

A useful way to look at it is:

Profit = POS revenue + applicable rewards − business expenses

For example:

Item	Example
Average daily gross income	₦5,000
Operating days	26
Monthly gross income	₦130,000
Monthly expenses	₦30,000
Example operating profit	₦100,000

The figures above are only an example. A real business could make significantly less or more depending on transaction volume, pricing, expenses and location.

How to Increase Your Moniepoint POS Earnings

If you already operate a POS or are considering starting one, increasing customer value can be more useful than simply hoping for more customers.

Choose your location carefully

Look for areas where people regularly need payment and cash services.

Keep enough cash available

A customer who repeatedly finds your POS without cash may eventually stop coming.

Provide reliable service

Fast transactions, clear communication and proper receipts can help build trust.

Track your daily numbers

Record:

Number of transactions
Transaction types
Gross income
Expenses
Cash available
Failed transactions
Net profit

This helps you know whether your POS business is actually growing.

Understand your reward tier

Moniepoint’s current system rewards higher weekly transaction activity, so understanding your tier can help you track the value you are getting from the terminal.

Can You Make ₦100,000 a Month With Moniepoint POS?

Yes, it is possible, but it should not be treated as a guaranteed income.

Using the earlier example, a business generating ₦5,000 in gross income per day for 26 days would produce ₦130,000 before expenses.

If monthly expenses were ₦30,000, the simplified operating profit would be ₦100,000.

The key is that the target must be supported by enough daily transactions and a sustainable business location.

Someone starting in a low-traffic location should not assume that ₦100,000 monthly profit will automatically happen.

Can You Make ₦200,000 or More Monthly?

It is also possible for a busy POS business to generate more than ₦200,000 in monthly gross income or profit, but there is no universal figure.

For example, using a purely illustrative calculation:

₦8,000 daily gross income × 26 days = ₦208,000 gross monthly income.

After expenses, the final profit would be lower.

A business that consistently reaches this level usually needs enough transaction volume to support the revenue.

This is why location, customer traffic and operating efficiency matter more than the POS brand alone.

Frequently Asked Questions

How much does a Moniepoint POS agent make per day?

There is no fixed daily income. Earnings depend on transaction volume, the services provided, applicable charges, rewards and business expenses.

Can I make ₦5,000 daily with a Moniepoint POS?

It is possible for a POS business to generate ₦5,000 in daily gross income, but it depends on customer traffic and the amount earned from each transaction. It is not a guaranteed Moniepoint earning rate.

Does Moniepoint pay POS agents a monthly salary?

No. A POS business owner is not paid a fixed monthly salary simply for operating a terminal. Income comes from the business activity and applicable rewards or commissions.

What determines how profitable a POS location will be?

The biggest factors include customer traffic, transaction frequency, available cash, pricing, competition and operating expenses.

Does Moniepoint cashback count as POS income?

Cashback can add value to your POS business, but it should be treated separately from the service charges you collect from customers. Moniepoint’s current cashback program is based on eligible transaction fees and weekly transaction tiers.

Conclusion

There is no single answer to how much you can make with a Moniepoint POS.

A low-traffic location may generate modest income, while a well-positioned POS business with strong customer demand can produce much higher monthly revenue.

The most useful calculation is not simply asking how much money passes through the terminal. Instead, track how much you earn from transactions, what rewards you receive, and what it costs to operate the business.

Moniepoint’s current reward structure can also provide additional value to eligible POS owners, with higher weekly transaction tiers offering greater cashback on applicable fees.

Ultimately, your location, customer volume, cash availability and control of expenses will determine whether your Moniepoint POS becomes a small side income or a significant business.

How Much Can You Make With Moniepoint POS? Earnings Explained