Pay distributors
in naira.
Coded Idea builds MLM software for direct-selling businesses in Nigeria: distributor registration, genealogy, commission rules, a naira wallet ledger and payouts to Nigerian bank accounts through your own Paystack or Flutterwave account.
Ready-to-launch software starts from ₹15,000 (about US$160) and custom builds from ₹35,000 (about US$370). Our team works from Mohali and Bengaluru, India, and serves Nigerian clients remotely.
Based in Mohali, Punjab (Sector 127) and Bengaluru. No office in Nigeria. Prices are in Indian rupees; US dollar figures are approximate conversions at ₹94.6 = US$1 (5 November 2026).
Commission reaches the distributor’s bank account.
- Product orderSales volume, not sign-ups
- Naira walletEarned commission posted
- Finance teamRun reviewed and approved
- Your Paystack or Flutterwave accountBatch transfer sent
- DistributorNigerian bank account (NUBAN)
Pay distributors in naira, from your own payment account
Commission is only useful when it reaches the distributor’s bank account and your accounts team can explain every kobo. We set up the payout step on the transfer API of the payment provider you already use, under your merchant account and your KYC:
| Provider | What its documentation says it supports for Nigeria | What we build around it |
|---|---|---|
| Paystack | Transfer recipients of type nuban (Nigerian bank accounts, NGN); a bulk transfer API for paying many recipients at once; one webhook notification per transfer | Recipient records created when a distributor adds bank details; commission runs sent as a batch; each transfer marked paid, failed or reversed from the webhook |
| Flutterwave | NGN payouts to bank accounts (listed as instant); mobile-money payouts are not listed for Nigeria | Same batch, status and retry flow; a clear “bank account required” step for Nigerian distributors |
What this means in the software:
Ledger first, transfer second.
Earned commission is posted to the distributor’s naira wallet; the payout is a separate, approved step. A failed transfer returns to the wallet instead of disappearing.
Approval before money moves.
Your finance team reviews the run (totals, top earners, held accounts) and approves it before the batch goes to Paystack or Flutterwave.
Bank detail checks.
Where your provider offers an account-name lookup, the name is confirmed before the first payout, so a typo does not send commission to the wrong account.
Fees stay visible.
Provider transfer fees are charged by the provider to your account; the software can record them per run so reports reconcile with your bank statement.
Provider features and limits change. We confirm current limits with your provider account during setup.
Run the business in naira, report it clearly
- Product prices, orders, wallet balances and commission runs are kept in naira (NGN).
- Because the naira’s exchange rate moves, we do not hard-code dollar values into commission rules. If you also sell in another currency, multi-currency handling is scoped as part of a custom build.
- Reports your accounts team will ask for: sales by product, commission by run, payouts by status, held and reversed amounts, and a full audit trail of who changed which rule and when.
What Nigeria’s Investments and Securities Act 2025 says, and how the software can reflect it
General information, not legal advice. Take advice from a Nigerian lawyer on your specific plan before launch.
Nigeria’s Investments and Securities Act 2025 (commenced 25 March 2025) gives the Securities and Exchange Commission power to seal “prohibited schemes” and freeze their assets (section 196). Promoters and operators face a fine of not less than ₦20 million, 10 years’ imprisonment, or both (section 196(3)).
Section 357 defines a prohibited scheme, including what are commonly called Ponzi or pyramid schemes. It covers schemes that pay existing contributors with new contributors’ money while promising high returns with little or no risk, and schemes where participants try to make money by recruiting, usually where:
- a high return is promised with little or no risk,
- no genuine product or service is actually sold,
- the main emphasis is on recruiting new participants,
- the product or service is not registered, or
- the promoters or marketers are not licensed or registered.
Software cannot make a plan lawful. It can make sure the plan you have agreed with your adviser is the plan that actually runs:
| Point in the definition | How the software can support it |
|---|---|
| Genuine product or service sold | Commission is calculated from product or service orders (sales volume), not from sign-ups |
| Emphasis on recruiting | Joining or registration fees can be excluded from every commission base; recruitment-only bonuses can be switched off |
| Promised returns | No “guaranteed return”, ROI or daily-income widgets; earnings shown only from actual orders |
| Product registration | Each product record can store its registration reference, where your products need one |
| Refunds and reversals | A refund reverses the commission it created, up every level it paid |
| Proof for regulators and auditors | Dated audit log of plan rules, payouts and admin changes |
Official text: Investments and Securities Act 2025 (SEC Nigeria PDF). SEC Nigeria also publishes alerts on unlawful operators: sec.gov.ng circulars.
Distributor data. The Nigeria Data Protection Act 2023 created the Nigeria Data Protection Commission (NDPC). Your MLM system will hold names, phone numbers and bank details. We set up role-based access (so a branch team sees only what it needs), keep sensitive fields out of exports by default, and avoid collecting identity numbers unless your process needs them.
English first, other languages where your team needs them
The member and admin panels are built in English. If your distributors work better in Hausa, Yoruba or Igbo, translated member-panel labels and messages can be scoped as part of a custom build. You supply or approve the translations; we wire them in.
Choose the compensation plan, then the software
Bring two or three worked examples from your plan (an order, a refund, a rank change). We test the software against them before launch.
Binary
two legs, pair matching; bring your carry-forward and capping rules.
Binary MLM software ↗Matrix
fixed width and depth; spillover placement.
Matrix MLM software ↗Unilevel
unlimited frontline, commission by level.
Unilevel MLM software ↗Generation
commission by leadership generation.
Generation MLM software ↗Hybrid
two or more plan rules combined; quoted separately.
Hybrid MLM software ↗Crypto
wallet and token logic.
Nigeria note: the ISA 2025 includes virtual and digital assets in its definition of “securities” (section 357), and the SEC registers digital asset operators. Check your structure with a Nigerian lawyer before a crypto launch.
Crypto MLM software ↗Starting prices, one written scope
These are starting prices, not an all-features bundle. Your final quote is written after the plan walkthrough.
Ready-to-launch
from ₹15,000about US$160 (5 Nov 2026)An available plan structure that fits your rules after review
Custom development
from ₹35,000about US$370 (5 Nov 2026)Compensation rules, operations or integrations needing a tailored build
Crypto MLM
from ₹30,000₹45,000 custom · about US$320 (about US$475)On-chain logic, wallet behaviour, contract review
Hybrid and enterprise
quoted separatelySeveral plans, entities or large migrations
US dollar figures are approximate conversions at ₹94.6 = US$1 (ECB reference rate, 4–5 November 2026) and will change with the exchange rate. These are starting prices, not an all-features bundle. Your final quote is written after the plan walkthrough. Payment-provider fees (Paystack, Flutterwave) are charged by the provider to your account; hosting and domain are confirmed in your written quote.
Compare all tiers on the MLM software price guide.
A Nigerian project, run online from Mohali and Bengaluru
Coded Idea is a software company founded in 2020 that has delivered 100+ projects. Our offices are in Mohali (Sector 127, Punjab) and Bengaluru. We do not have an office in Nigeria.
Time difference: Nigeria (WAT, UTC+1) is 4 hours 30 minutes behind India (IST, UTC+5:30), so a 10:00 call in Lagos is 14:30 in Mohali. Lagos mornings overlap with the Indian working afternoon.
Walkthrough
A video call where you explain the plan, products and payout method.
Fit check
We check your plan rules, products, distributor levels and payment provider against the package.
Set-up with a written plan
Scope, deliverables and timeline agreed in writing before work starts.
Training and support
Your admin team is trained online and supported closely through the first weeks.
MLM software in Nigeria: your questions answered
Do you have an office in Nigeria?
No. Coded Idea’s offices are in Mohali (Sector 127, Punjab) and Bengaluru, India. We work with Nigerian clients online: video walkthroughs, screen-share demos, WhatsApp and email. Lagos is 4 hours 30 minutes behind India, so Nigerian mornings overlap with our afternoons.
How much does MLM software cost for a Nigerian business?
Ready-to-launch MLM software starts from ₹15,000 (about US$160) and custom builds from ₹35,000 (about US$370). Crypto MLM starts from ₹30,000 (about US$320), or ₹45,000 (about US$475) custom. Hybrid and enterprise work is quoted separately. Dollar figures are approximate, at ₹94.6 = US$1 on 5 November 2026. Payment-provider fees are charged by the provider; hosting is confirmed in your written quote.
Can the software pay distributors in naira through Paystack or Flutterwave?
Yes, we build the payout step on your own Paystack or Flutterwave merchant account. Paystack’s documentation lists Nigerian bank accounts (NUBAN) as transfer recipients and offers bulk transfers; Flutterwave lists instant NGN payouts to bank accounts. Commission goes to a naira wallet first, your team approves the run, and the batch is then sent.
Is MLM legal in Nigeria?
This is general information, not legal advice. Nigeria’s Investments and Securities Act 2025 makes operating a “prohibited scheme” an offence, with a fine of at least ₦20 million, 10 years’ imprisonment, or both. Its definition targets schemes that pay old members with new members’ money, or that rely on recruiting, especially where no genuine product is sold. Ask a Nigerian lawyer to review your plan before launch.
Can you build a crypto MLM plan for a Nigerian company?
We build crypto MLM software, from ₹30,000 or ₹45,000 custom. Under Nigeria’s Investments and Securities Act 2025, virtual and digital assets fall within the definition of securities, and the SEC registers digital asset operators. Confirm your structure with a Nigerian lawyer before launch.
What should I prepare before the first call?
Your compensation plan document, your product list and prices, how you want to pay distributors (Paystack, Flutterwave or bank transfer), and whether you are launching new or replacing existing software. If you are migrating, a sample export of members and wallet balances helps us scope the move. Please do not send real distributor bank details before a contract.
Show us your plan. We will map the build.
Tell us your plan type and how you pay distributors. We reply with the next step and a starting price that fits.
Please leave real distributor and bank records out of your first message.