What you get, how it works, and what you agree to.
Piper connects four kinds of people: businesses with things to sell, affiliates who share what they love, customers looking for good products, and riders who deliver them. Find your section below — everything you need to know is in one place.
Jump to your section
I have things to sell
For businesses & merchants
I want to earn by sharing
For affiliates
I want to buy something
For customers
I deliver
For riders & logistics partners
Quick eligibility check.
A few things apply to everyone, regardless of role. Read these once before you start.
Age & identity
You must be 18 or older to sell, earn commission, or deliver. Customers buying through Piper must also be 18+ because checkout requires a payment method. Government-issued ID is required for working roles.
Where we operate
Piper is Nigeria-first. Sellers, affiliates, and riders need a Nigerian bank account and BVN. Customers can pay from international cards but delivery is currently within Nigeria only.
What to have ready
Phone number, email, BVN, NUBAN. Businesses additionally need a tax ID (TIN) and CAC number if registered. Riders also need vehicle and insurance info. Sole proprietors are welcome — no company registration required.
Account security
Two-factor authentication is required on accounts that hold money or earn commission. We will never ask for your password by email, phone, or chat. If something feels off, contact support immediately.
Languages
The platform is in English today. Customer support is available in English and Pidgin; additional Nigerian languages are on the roadmap.
If we can't serve you
If your KYC doesn't pass or your role isn't supported in your area yet, we'll tell you within a few business days and explain what's needed. You can re-apply once the gap is closed.
Sell directly. Or let people share you.
Piper gives you two ways to grow: a clean storefront for direct sales, and an affiliate engine for when you want other people to spread the word and only pay them when they actually deliver a sale.
01What you can do here
Publish your products. Set your prices. Choose how you want to be discovered.
Sell directly
- Customers find your products and buy. You pay a small platform fee.
- Money settles to your bank. We never hold your funds.
- You handle returns and customer support, the way you want to.
- Lower fees because you don't need our extra services.
Sell through affiliates
- Create a campaign. Set the commission you'll pay per sale.
- Affiliates pick up your campaign and share it.
- You only pay when a sale happens. Like Google Ads, but for friends.
- We handle attribution, payouts, and disputes for you.
02What you can sell
Three kinds of things, each with their own delivery and payment shape.
Physical goods
- Anything you ship or deliver in person
- Food, restaurant orders, groceries
- Fashion, beauty, jewelry
- Electronics, home & garden, health
- Uses our rider network or self-delivery (direct sales)
Digital goods
- Anything delivered as a file or access link
- Software, ebooks, courses
- Music, videos, templates
- Digital art, downloadable assets
- Customer gets access immediately after payment
External affiliate links
- Products sold by another company on their own site
- You publish a campaign that points to their link
- Affiliates promote it; commission tracked back to your campaign
- Money never touches Piper — pure attribution layer
- Useful for brands extending their existing affiliate program
What we don't allow
- Regulated securities & tokenised assets. Anything that needs SEC Nigeria registration is excluded unless you're separately licensed.
- Infringing copies. Pirated software, ebooks, music, courses, or anyone else's intellectual property.
- Illegal goods. Anything banned for sale under Nigerian law.
- Adult content. Not a fit for the platform.
- Weapons, ammunition, or controlled substances. Not at all.
- High-risk financial products. Loans, investment schemes, "guaranteed return" products — we don't host these.
03How it works, end to end
Create your business profile
Have ready: BVN of the authorized representative, NUBAN, tax ID (TIN), and CAC certificate if you're a registered company. Sole proprietors are welcome — no company registration required. Verification typically takes 1–3 business days.
Upload your products
Add titles, photos, prices, descriptions. Tag them with categories so people can find them. Stock can be tracked or always-available — your choice per product.
Pick how you want to sell
Direct only? Or do you want affiliates promoting it too? You can do both — direct for some products, campaigns for others.
If running campaigns: set your terms
Commission rate, cookie window, brand guidelines. Affiliates browse and join campaigns that match their audience.
A customer buys
Money lands in your bank account after a short wait window — usually the next business day for clean sales, longer if there's an open dispute.
Handle deliveries
Hand off to one of our rider partners or use your own. Either way, the customer gets real-time tracking and you get proof of delivery.
04What it costs
05What we take care of
We handle
- Payment processing through trusted gateways
- Affiliate attribution and commission math
- Dispute coordination with card issuers
- Stamp duty and VAT calculation on platform fees
- Daily settlement reconciliation
- Fraud monitoring across the platform
You handle
- Accurate product information and pricing
- Order fulfillment within your stated time
- Honoring your stated return policy
- Your own income tax and business filings
- Customer service for product questions
- Brand consistency in your campaigns
06Doing your own deliveries
If you want to deliver your own orders — common for restaurants, neighborhood shops, or anyone with a small local radius — you can, on direct sales only. Self-delivery is not available on campaign orders, because affiliates brought those customers in expecting our fulfillment standards and dispute coverage.
Because you're delivering your own goods on a direct sale, you can also accept cash on delivery. That's just a normal cash sale, the same as a customer walking into your shop.
What you can do
- Mark your direct-sale orders as self-delivered when you create them
- Accept card, transfer, virtual-account, or cash at the door
- Confirm delivery with a photo and a code from the customer
- Run direct sales (self-delivery) and campaigns (rider network) side by side
How the platform fee settles on cash orders
- You owe Piper its platform fee on every sale, including cash ones
- It comes out of your next card-sale settlement (settlement-offset), or from a small pre-funded buffer you maintain
- If your buffer goes negative, cash COD is auto-paused until you top up or settle a card sale
- No affiliate commission complexity here — campaigns can't be self-delivered
07Common questions
Can I have multiple staff on my business account?
Yes. The business owner can invite team members with role-based access — for example, a fulfillment person who can manage orders but not change bank details, or a catalog person who can edit products but not view payouts.
Can I run promo codes and discounts?
Yes. You can issue percentage or fixed-amount discount codes, with optional minimum order amounts and expiry dates. Discounts apply before commission calculation, so an affiliate's commission is on the discounted price.
How do customer reviews work?
Customers can leave a rating and review after a delivered order. You can publish a one-time response to each review. Reviews are moderated for abuse but not for negativity — honest negative reviews stay visible.
What if a customer doesn't pick up their delivery?
The rider attempts the delivery up to two times based on the customer's instructions. If it still fails, the order is marked undeliverable; the customer is notified. Refund handling and any restocking fee follow your stated return policy.
Can I bulk-update prices or stock?
Yes — via CSV upload or the admin dashboard. API access is available for higher-tier accounts that need to sync from an external system.
What currencies can I price in?
Naira (NGN) is the primary currency. USD and EUR are supported for cross-border digital products. We display the customer's local currency at checkout where applicable.
The rules you accept
- Self-delivery is direct-only. Campaign orders must use our rider network. You cannot self-deliver a sale that was brought to you by an affiliate.
- Fair pricing. You won't quietly raise prices just to absorb commission costs. Same price across direct and campaign channels.
- Equal service. An affiliate-driven order gets the same fulfillment quality and speed as a direct order.
- Honest returns. Stated return windows are honored. Making returns hard to avoid commission payouts is a serious breach.
- No hidden inventory. If a product is in your catalog as available for affiliate promotion, it's actually available.
- Reserve consent. When you run campaigns, we hold a small reserve against chargebacks. It's released as disputes age out.
- Cash-sale fees are owed regardless. Self-delivery cash collection is fine, but the platform fee on that sale is still owed and will be deducted from future settlements or your buffer.
- Tax obligations. You're responsible for your own taxes. We handle stamp duty and VAT on our fees.
- What you can't sell. No regulated securities, no tokenised assets without separate licensing, no infringing copies of someone else's work.
- If you leave. You can close your account anytime. Existing settled obligations and any open disputes finish their cycle first.
You already recommend things. Now you get paid.
If you're the friend everyone calls when they need a recommendation — for chin chin, for sneakers, for skincare, for anything — Piper turns that into income. No followers required. No content required. Just trust and a link.
01What you can do here
Browse campaigns from real Nigerian businesses. Pick the products you'd actually recommend. Get a unique link for each one. Share that link wherever you talk to people — WhatsApp, Instagram, Twitter, group chats, anywhere. When someone buys through your link, you earn commission. That's it.
02How it works
Sign up and verify your identity
You give us your phone, BVN, and bank account. This is required by law before we can pay you.
Tell us what you're into
Pick categories that match what you actually use and recommend. We use this to surface campaigns you'll care about.
Browse campaigns
Each campaign shows you the product, the commission rate, the cookie window, and how the brand wants to be talked about.
Join the ones you like
Joining is free. You get a personal link, a QR code, and (for some campaigns) shareable video overlays.
Share your link
WhatsApp, Instagram DMs, Twitter, your status — wherever feels natural. The link is yours; clicks on it get attributed to you.
Someone buys
Commission lands in your Piper balance. You see it live. Pending while the order is in the dispute window, then available.
Withdraw to your bank
Once your available balance crosses the payout threshold, you can withdraw to your verified bank account.
03What you can earn
04What's protected, what's expected
What we promise you
- Transparent attribution — you can see every click and sale tied to your link
- 48-hour notice before any chargeback debit lands on your balance
- Tier-based commission upgrades as your performance and trust grow
- Cross-campaign pooled balance so small earnings add up
- Honest cookie windows that don't quietly shorten
What we expect from you
- Promote things you'd actually recommend — your reputation matters
- Don't buy your own affiliate link to farm commission
- Respect the brand guidelines on each campaign
- Don't try to redirect customers off-platform
- Pay your taxes on what you earn
05Common questions
What if a customer cancels or returns?
If a sale you got commission on later gets refunded or charged back, that commission is reversed. We notify you 48 hours before any debit lands so there are no surprises.
Can I promote anything?
Only things in our active campaigns. The catalog is curated by businesses who've opted into affiliate distribution.
What if I don't have a big following?
You don't need one. Most successful Piper affiliates earn from group chats, family WhatsApp, and people who already trust them — not from broadcasting.
How do tiers work?
Sustained good performance — real sales, low refund rate, no policy violations — moves you into higher tiers with better commission rates and higher payout limits.
How does sub-affiliate recruitment work?
Share your invite link with someone; if they sign up and start earning, you get an override commission (typically 1–2%) on their attributed sales. The chain currently goes one level deep — you earn from people you directly recruited, not from people they recruit.
What if my BVN, phone, or bank details change?
Update them in your account settings. Changing the account holder's identity (e.g., switching the BVN to someone else) requires a re-verification and pauses payouts until it completes. Updating bank or phone is faster but still triggers a short security check.
Does my account expire if I don't use it?
No. Inactive accounts stay open. If you have an unwithdrawn balance for more than 12 months we'll send a reminder, but the money is still yours.
The rules you accept
- No buying your own link. Purchasing through your own affiliate link to earn commission on yourself is detected and forfeits the commission plus tier downgrade.
- No fake traffic. Click farms, bots, cookie injection, coordinated buying circles — all banned.
- Cross-merchant clawback. Your balance is pooled across all your campaigns. A chargeback on one merchant's order may debit commission earned from another, with 48 hours notice.
- Identity verification. BVN required before any payout. You can browse without it; you can't withdraw without it.
- One account. Multiple accounts to bypass earning caps or fraud thresholds — banned.
- Brand respect. Promotional content respects each campaign's brand guidelines.
- No platform poaching. Using campaign data to redirect customers off Piper is a serious breach.
- Tax responsibility. Commission earnings are your taxable income. We apply withholding where the tax authority requires.
Buy with confidence. However you arrived.
Whether you found a product directly in our catalog or a friend sent you their link, your checkout, your protections, and your price are exactly the same.
01What you can do here
Browse products from Nigerian businesses. Pay how you want — including paying when the order arrives. Track your delivery. Return something if it's not right. Get refunded if a refund is owed.
02How it works
Find something good
Browse our catalog directly, or click a link a friend sent you. Either way, you see the same product at the same price.
Check out
Pay how you want — see the options below. We never store your card; your bank or Apple does.
Track your delivery
You see where your order is in real time. The rider confirms drop-off with a code only you have.
Get what you ordered
If something's wrong, raise it with us before you call your bank. We resolve faster, and it's easier on everyone.
Ways to pay
What's available depends on the seller and who's delivering.
| Method | When |
|---|---|
| Card | Always available at checkout |
| Bank transfer | Always available at checkout |
| Apple Pay | Where supported |
| Pay on delivery — virtual account | When the order qualifies. Rider shows you a one-time virtual account at the door; you transfer; rider confirms and hands over. |
| Pay on delivery — cash | Only on direct sales where the seller is delivering themselves. Not available with our gig riders, and not on orders you arrived at through an affiliate link. |
03Your protections
What we promise you
- The price you see is the price you pay — affiliate links don't add cost
- Real-time delivery tracking on every order
- Drop-off confirmation by code so nobody can claim a delivery you didn't get
- 72-hour acknowledgment on any complaint or dispute
- Returns honored within the merchant's stated window
- Your data stays yours — we don't sell it
What we ask from you
- Accurate delivery details — bad addresses cost everyone
- Try the in-platform return path first if something's wrong
- Don't share your account or login
- Don't file false claims for free products or refunds
- Be safe with your payment info
04If something goes wrong
The product never arrived
Open a complaint in your order details. We acknowledge within 72 hours and either refund or escalate with the merchant and rider.
The product arrived damaged or wrong
Take a photo, raise a return request. The merchant has a stated window to approve. Once approved, your refund processes back to your original payment method within 5–10 business days, depending on your bank.
Who pays for return shipping?
If the return is because something was wrong (damaged, incorrect item, not as described), the merchant pays. If you're returning because you simply changed your mind, you pay return shipping unless the merchant's policy says otherwise.
Can I cancel an order before it ships?
Yes — until the merchant marks it as ready for pickup or shipped. After that, you'll need to wait for it and use the return path if needed.
Do I need an account to buy?
You can check out as a guest with just an email and delivery details. We'll still create a lightweight account so you can track your order and handle any disputes — but you don't need to set a password.
What if I'm not home when the rider arrives?
The rider will try to reach you, then attempt one re-delivery based on your instructions. If both attempts fail, the order is returned to the merchant and your refund is processed (minus any restocking fee in the merchant's stated policy).
Can I leave a review?
Yes — after your order is delivered, you can rate and write a review. Honest negative reviews stay visible; merchants can post one response per review.
I see a charge I don't recognize
Tell us first. Most "unrecognized" charges are products bought through an affiliate link where the merchant name didn't ring a bell. We can find the order in seconds.
I want my data deleted
Use the data request option in your account. We'll honor access, erasure, and portability requests under Nigerian data protection law.
The rules you accept
- Be truthful. Accurate identity, contact, payment, and delivery details on every order.
- Refund-first. Try the in-platform path before going to your bank for a chargeback. Faster for you, cleaner for everyone.
- No abuse. Repeated false claims for free product or refund are grounds for account suspension and may be reported.
- Affiliate links are fine. You can arrive any way you like; the price is identical.
- Your data rights. You can access, port, or delete your data anytime.
- Lawful use. Don't use Piper to launder money, evade sanctions, or buy illegal goods.
Pick up. Drop off. Get paid per delivery.
Piper's delivery network is built so you never have to handle cash, never have to chase payments, and always know what you're getting paid before you accept a job.
01What you can do here
Browse delivery jobs near you with the route and pay shown upfront. Pick what you want. Confirm pickup with a scan, drop off with a code. Earnings settle to your bank on the schedule you pick.
02How it works
Sign up and get verified
Identity, biometric (a quick liveness check), bank account, vehicle and insurance info.
Open the rider app and see jobs
Each job shows pickup, drop-off, distance, and the exact pay. You decide which to accept.
Confirm pickup
Scan the merchant's QR code at pickup. Take a photo of the parcel — your protection if anyone later claims it was damaged.
Deliver and confirm
Customer reads you a one-time code. You enter it. Delivery confirmed. If they're paying on arrival, they pay into a virtual account — never to you directly.
Get paid
Each completed delivery adds to your earnings, settled to your bank on your chosen schedule (daily, weekly, or on-demand above the threshold).
03What's protected, what's expected
What we promise you
- Pay shown upfront on every job — no surprise deductions
- You never handle cash on Piper-direct deliveries
- Photo and code-based proof of delivery protects you in disputes
- Transparent earnings, settled on your chosen schedule
- Insurance basics covered through our partner network
What we expect from you
- Confirm pickup and drop-off — no shortcuts
- Take pickup photos (damaged-on-arrival defense)
- Show up reliably; persistent no-shows mean suspension
- Be safe and respectful with customers and merchants
- Keep your vehicle and insurance current
04Common questions
What vehicle types do you accept?
Motorcycles, cars, and bicycles for short-range. On-foot delivery is supported in dense areas like markets and campuses for small parcels. Trucks and vans are reserved for partner fleet operators.
What cities are you operating in?
Lagos and Abuja at launch, with Port Harcourt, Ibadan, and Kano following in the rollout. Open the rider app — it'll tell you immediately whether your area is live.
What insurance do I need?
You need valid third-party motor insurance and a current vehicle license. Piper provides parcel-loss cover during transit (so the customer or merchant is protected if a parcel is lost in your care), but your own personal injury and vehicle damage cover is your responsibility.
What if I'm in an accident?
Your safety first — call emergency services if needed. Then notify Piper through the in-app emergency button. If a customer's parcel was involved, our parcel-loss cover handles that side. We don't cover personal injury, so your own insurance matters.
What if a customer is rude or unsafe?
Leave the location. Mark the delivery as failed-due-to-safety in the app. We follow up with the customer; you don't lose pay for a safety-related abort.
What if a customer says I didn't deliver?
The drop-off code is your protection. If you entered the code the customer gave you, the delivery is confirmed. We have your back.
What if a parcel is damaged when I pick it up?
Don't accept it without flagging. Use the app to mark it damaged at pickup; we'll route the dispute to the merchant.
Can I do cash deliveries?
Not as a Piper gig rider. Pay-on-delivery on jobs you accept happens through a virtual account at the door — the customer transfers, you confirm receipt, you don't carry cash. Cleaner and safer for everyone, and it keeps you out of agent-network licensing.
What about cash deliveries by sellers themselves?
Sellers who deliver their own direct-sale orders can collect cash because they're collecting their own sale revenue, not acting as an agent. They can't do that on campaign orders, though — campaign orders always come to you (the rider).
How fast do I get paid?
Same day or next day for most schedules. Weekly settlements are also available if you prefer batched payouts. There's a small flat fee per payout (typically ₦100) and tax withholding may apply once your earnings cross the FIRS threshold.
The rules you accept
- Confirm both ends. Scan at pickup, code at drop-off. Bypassing either voids the payout for that delivery.
- No cash on direct flows. Pay-on-delivery is settled via virtual account. Carrying cash for Piper-direct orders is not allowed.
- Identity is real. Onboarding biometric must match the person doing the deliveries.
- Photo evidence. Pickup and drop-off photos are required for damage disputes.
- Service standards. Repeated lateness, no-shows, or customer complaints mean suspension from the job feed.
- Tax responsibility. Delivery earnings are your taxable income.