How to Start a VTU Business in Nigeria ( Complete Guide)

Start VTU Business In Nigeria – Everybody knowHow to load phone with airtime or credit is by simply buying a recharge card or voucher and then loading it on your phone with a USSD code. e.g 555XXXXXX# for MTN all subscribers.

Undoubtedly, there’s equally another way called the Virtual Top up (VTU). With VTU, the phone will be directly credited by the vendor and there will be no need for scratching a card or loading with shortcodes or USSD. The subscriber will instantly get an alert that his phone has been topped up

VTU Business

Buyers’ benefits is also based on the tariff e.g. MTN gives customers on MTN Pulse free 10 MB of data every week for a recharge of N100. .

How to Start a VTU business in Nigeria

Step 1: The first step is to have an internet-enabled phone. The phone can be 2 or three depending on the number of service you want to use

Step 2: you should have a considerate amount of airtime. For a start 1000 to 2000 isn’t really bad

Step 3: the third step is you should download the VTU application. This is necessary because it is through this platform that the Airtime will be credited to a third party

If you have all this in place, then you’re sure of starting the VTU business. Follow the required procedure to credit people account

Material Required

  • PC or Android device.
  • Mobile Banking App or Debit Card (ATM card)
  • Google Drive App
  • And the Virtual Top Up Vending PACK.

How to Start VTU Business In Nigeria Using Jumia One App

 VTU Business In Nigeria Using Jumia One App

Step 1: Get registered on Jumia if you have not done so. Jumia is a multi-purpose e-commerce site you’ll have to be registered on to utilize the Jumia one platform. You can register here (

Step 2: Download the JumiaOne App into your mobile device (

Step 3: Login on the Jumia one app with the details you registered on jumia (Remember you just created an account on Jumia)

Step 4: select the service you want to use, which is buying airtime credit in this case. You can use this same platform to do other top ups like dstv subscription, Electricity bills and lots more.

Step 5: when you have completed the above steps, follow this simple guide to carry out top ups.

How to go about it

Open your JumiaOne App and select the AIRTIME option.
Select the service provider (telecom) in Nigeria (MTN, AIRTEL, GLO or 9mobile) you want to top up with.
Enter your Customer’s Phone Number, and the Amount of airtime credit he/she wishes to recharge their lines with (e.g 100)
From this page, a confirmation page will be brought so a to be sure your request is exactly what you want to do.
On this step you will need to add your ATM Card details, and run a final check on your order, to be really sure it’s fully correct. Once you’re done crosschecking, click on the PAY NOW Button and you will be taken to an OTP page.
Enter your OTP (One Time Password), a set of numbers you will receive from your bank via email or SMS to confirm the transaction was made by you.
Once this is done, you will then receive an SMS that confirms your transaction, and your client on the other hand will also be credited the amount you input.
Depending on the amount you top up, you can get 3% – 5% of that same amount every time you make a recharge for a client. This can fetch you a good stream of cash and you’ll surely be smiling back from the bank.

Advantages of VTU Busines

The good thing about VTU business is that you can do the vending business without essentially having any CERTIFICATE, COMPUTER, HUGE CAPITAL, WEBSITE/BLOG or having to REGISTER your business name. Yes, it’s that easy.

Another good thing also is that you can start a VTU business with for as low as N1, 000 – N7, 000 with just an Internet-enabled smartphone. We now have a new innovative and more effective approach to VTU Vending. This has taken care of the demerits of the orthodox way (SIM loaded VTU) of vending Virtual Top Ups.

All you need is just an internet enabled device; must be an Android phone or laptop and you can go into VTU Virtual Top Up business and make a decent profit for yourself.

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