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Zuma Commerce in Nigeria

The everything marketplace, with the wallet and the courier already attached.

Open Zuma Commerce All Zuma services in Nigeria

How you pay in Nigeria

Everything is priced in NGN (₦). No foreign card required.

OPay PalmPay Moniepoint Bank transfer Card USSD

Payments in this market fall under Central Bank of Nigeria (CBN). See our licensing status →

Where in Nigeria

Cities where you can use it today.

Lagos Kano Abuja Ibadan Port Harcourt Benin City Kaduna Enugu

What else people use here

We would rather name the alternatives than pretend there aren't any.

  • OPay · fintech

    Zuma matches the payment rails and adds 30+ service verticals OPay does not operate.

  • PalmPay · fintech

    Zuma’s wallet is one module of a full service stack, not the whole product.

  • Moniepoint · fintech

    Zuma Pay covers acceptance, then brings the merchant demand from 30+ consumer modules.

  • Chowdeck · delivery

    Zuma Food matches the delivery product and adds dine-in, ticketing, rides and payments on the same account.

Everything inside Zuma Commerce

General merchandise marketplace. Vehicles are Zuma Automotives, medicines are Zuma Pharmacy, farm goods are Zuma Agriculture.

Shop by department

  • Phones & electronics per item
  • Fashion & beauty per item
  • Home & kitchen per item
  • Groceries & household per item
  • Baby & kids per item
  • Sports & outdoors per item
  • Books, music & hobbies per item

Ways to buy

  • Buy now, pay later per order
  • Group buy / bulk discount per order
  • Pre-order & layaway per order
  • Pay on delivery per order

Sell on Zuma

  • Open a storefront per month
  • Fulfilled-by-Zuma warehousing per item
  • Sponsored placement per campaign
  • Cross-border listing per item

How Zuma Commerce works

The everything marketplace, with the wallet and the courier already attached.

  1. 1
    Browse in local currency customer

    Prices, stock and delivery estimates resolve to the visitor’s market.

    ⚙ Country middleware scopes catalogue, currency and shipping

  2. 2
    Order and pay customer

    Wallet, mobile money, card, BNPL or cash on delivery.

    ⚙ Escrow hold opened; vendor paid after delivery window

  3. 3
    Vendor packs and hands off provider

    Pickup requested from Zuma Delivery automatically.

    ⚙ Courier job created, tracking number issued

  4. 4
    Track and receive customer

    Live courier tracking, with proof of delivery.

    ⚙ Delivery confirmation releases escrow to the vendor

  5. 5
    Return if wrong customer

    Return window per category, refunded to wallet instantly.

    ⚙ Reverse logistics job, escrow clawback if within window

Common questions

Is Zuma Commerce available in Nigeria?

Yes. Zuma Commerce is live in Nigeria and you can use it from the Zuma app or this website.

How do I pay for Zuma Commerce in Nigeria?

With OPay, PalmPay, Moniepoint, Bank transfer, Card and USSD, or from your Zuma Wallet balance. Everything is priced in NGN.

What does Zuma Commerce cover?

General merchandise marketplace. Vehicles are Zuma Automotives, medicines are Zuma Pharmacy, farm goods are Zuma Agriculture.

Is Zuma regulated in Nigeria?

Zuma's payment operations in Nigeria fall under Central Bank of Nigeria (CBN). Our current licensing status per market is listed on the Trust page.

Related Zuma services in Nigeria

🌾Zuma Agriculture 🚙Zuma Automotives

Zuma Commerce in other markets

🇧🇮Burundi 🇰🇲Comoros 🇩🇯Djibouti 🇪🇷Eritrea 🇪🇹Ethiopia 🇬🇭Ghana 🇰🇪Kenya 🇲🇬Madagascar