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Usage Policy of Poppayai Vendor Capital

Welcome to Poppayai Vendor Capital, your trusted partner in financial empowerment. We’re delighted to outline our usage policy to ensure a mutually beneficial and seamless experience for all our esteemed vendors. Our goal is to provide financing solutions to help you thrive in your business endeavors.

How Much Financing Do You Get?

  • Vendors will start with a maximum financing amount of N4,000 for their cost of goods sold. The qualification criteria are in place to ensure fairness.
  • Commissions are paid only to the vendor. We expect a guaranteed shipment to take place within a minimum of 24 hours and a maximum of 20 days. If a shipment exceeds this period, you may incur a bank interest rate of 16%.
  • In some cases, with a successful track record of 100 orders, you may be eligible for the full financing amount of your cost of goods sold.

How Do You View and Withdraw Your Money?

  • To view your recently collected financing, simply click the provided link or send a message to our WhatsApp or email support.
  • To withdraw funds to your local bank, input the desired amount. If sufficient funds are available in your financed account, they will be transferred to your registered bank account within a minimum delay of 10 minutes.
  • You can also save your money and earn 8% interest with Alat Goals by Wema. Just send a message to WhatsApp or email for details.

Is Financing Gotten from Customer Funds?

  • Rest assured, we maintain transparency and respect the privacy of customer funds. We never access customer funds in the buyer’s cloud. Instead, we partner with a bank to secure loans on behalf of vendors through a bank KYC process.


  • Unlike physical stores that charge 6.9%, we charge a competitive 7.5% per transaction. This includes financing interest fees and a withdrawal fee of N50 to a local bank account.


  • Poppayai takes care of the entire process, from picking up items from the vendor to delivering them to the customer. This includes verifying that the item is as ordered, an integral part of the KYC process.


  1. KUDA Bank & MrFishLeg MFB: We offer a sub-financing account for vendors in collaboration with MrFishLeg MFB Ltd. You can fund your account with the cost of goods sold and generate an account number for secure transactions.
  2. Poppayai Virtual™️ powered by Poppayai Marketplace: This innovative technology converts product listings into virtual goods for pre-orders. Activate this feature by submitting your KYC and selecting the pre-order category when adding your products on Poppayai.

Mission & Goal At Poppayai Vendor Capital, our mission is to act as a guarantor on behalf of vendors, assuming the cash risk for customers. We obtain loans to provide vendors with the financial resources needed to fulfill orders. In return, we charge a commission, allowing vendors to focus on their core business growth.

Usage Process:

  1. Step 1 – Application: Fill out the application with your full name and store name to receive a unique account number for storing financing and requesting withdrawals.
  2. Step 2 – Account Activation: Upon receiving your account number, complete the KYC process by submitting the necessary information. This includes residential address, phone number, email, ID card details, bank account information, and BVN.
  3. Step 3 – Verification: Confirm your email and phone number verification code. The system will automatically verify your information within 24 hours.
  4. View Lent Funds and Withdraw: You can check your financing balance and withdraw funds with ease by dialing codes on your WhatsApp thereby making your financing readily accessible. See codes to control your financing account in collaboration with Kuda Digital Bank.

Guarantor Rule

  • We understand the significance of a strong support system. That’s why we require only two guarantors, making the process more manageable. One guarantor should be a third-party vendor contact, and the other a religious leader in a respected church.

Poppayai Vendor Capital is dedicated to supporting vendors in their quest for success, and we are excited to have you as part of our family. Feel free to reach out for any assistance or clarifications. We are here to empower your business and drive economic growth together.


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