Why your small business should accept digital payments
‘Madam, you get POS? Or i fit do transfer? I no carry plenty cash come.’ 

How many times have you found yourself in this situation, either as the customer or owner of the business? If you have been the business owner in this instance, your answer to this question should never have been no. If your business is not yet accepting digital payments, you might just be leaving a lot of money on the table.

Here are five reasons why you should expand your payment options.

  1. You will attract more customers

Customers love convenience. Customers really hate carrying cash around. If patronizing your business saves them the stress of queuing at the ATM just to withdraw cash, you’ve won them for life. Accepting bank transfers and card payment via POS terminals provides a simpler and easier shopping experience for customers. Also, they are more likely to recommend your business to their friends who also hate to pay with cash.

2. You will build a sense of trust in your customers

Accepting card payments validates your business legitimacy. Every customer knows that owning a POS terminal verifies that you have a working relationship with a bank. This instills trust in their hearts because they know on multiple levels that you are traceable if anything goes wrong. 

3. Card paying customers tend to spend more money

A lot of people are impulse buyers. When they are limited by cash-in-hand, they tend to curb their spendings. The extra sales you could have made from such customers by accepting card payments will then be lost. Your ability to accept multiple forms of digital payments – card and bank transfer – encourages customers to make larger purchases even when they don’t have physical cash. 

4. Your bookkeeping process is simplified

Granted, it is hard to attend to a lot of customers at once and still be able to record sales. This is especially true when the customers are paying you via physical cash. With card payments, you and the customer are forced to use a POS terminal to conclude on the transaction. This form of digital payment auto generates an electronic transaction record for you, thereby making it easy for you to track your daily, weekly, and monthly income. Such reports equip you with information to make informed and data-driven decisions regarding your business.

5. You don’t have to spend much—and it’s simple to get started

Running on a shoestring budget? Can’t afford the high cost of acquiring a POS terminal? No worries, Dukka’s got you. For as low as N3,500 per month, you can own a Dukka POS terminal. Owning a POS terminal to start accepting card payments has never been easier.

At Dukka, we strongly believe that every business should have the means to accept payments anytime, anywhere, and anyhow customers choose to pay. Set yourself apart from your peers, and give your business the leg up it needs. To get started, sign up here.


Olufolake is the resident storyteller at Dukka. Without me, the world would just be aweso.

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