Fixing Late Payments, One SME at a Time: How OnePipe Is Powering Predictable Cash Flow in Nigeria
OnePipe is an embedded finance platform that allows African businesses to integrate services like payments, virtual accounts, and credit through simple APIs or prebuilt tools, enhancing customer exper
For many small businesses in Nigeria, waiting 60 to 120 days to get paid isn’t just frustrating—it’s destabilizing. Delayed payments affect everything from payroll to rent, and for owners already navigating razor-thin margins, the impact can be devastating.
According to a new report by MacTay Consulting, outdated financial practices—like manual bookkeeping, informal payment reminders, and the use of personal accounts—are largely to blame. But a new wave of digital tools is stepping in to help.
Enter OnePipe
The Nigerian fintech company, OnePipe, has just launched PaywithAccount, a platform designed to automate recurring payments for SMEs. The tool allows businesses to collect funds directly from customer bank accounts, streamlining payment processes and drastically reducing the need for awkward follow-ups or delays.
For OnePipe founder Ope Adeoye, this isn’t just about business—it’s personal. “Every Nigerian knows someone who runs a business—a cousin, a friend, a neighbor. When they suffer from late payments, it affects whole families and communities. Fixing this isn’t just a business goal—it’s a social one,” he told journalists in Lagos. The sentiment is already resonating across Nigeria.
One early user, a school owner in Ibadan named Mrs. Agbaje, shared that before adopting OnePipe’s solution, she often relied on her own savings just to keep her school running. With tuition payments regularly delayed, she struggled to pay teachers and buy supplies.
That changed with PaywithAccount. Automated reminders and structured billing plans have brought newfound stability to her operations—giving her room to breathe, plan ahead, and even expand her curriculum.
A Fintech Solution with Real Social Impact
While much of the fintech conversation often centers on flashy consumer apps or billion-dollar valuations, OnePipe’s approach is refreshingly grounded. By focusing on real-world challenges—like solving the late payment crisis for everyday business owners—the company is quietly redefining how technology can serve as a stabilizing force.
And for the thousands of Nigerian SMEs caught in the cash flow gap, solutions like PaywithAccount aren’t just convenient—they’re a lifeline.
Read more on The Daily Times Nigeria
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