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7 Simple Ways to Get Paid on Time Without Chasing Customers

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Running a business in Nigeria isn’t just about providing quality products or services; it’s also about making sure you get paid on time. Too often, business owners find themselves chasing payments, sending repeated reminders, and struggling with cash flow gaps. According to a PwC report, 48% of Nigerian SMEs experience delayed payments, which can disrupt operations, affect salaries, and slow down business growth.

But the real cost of these delays isn’t just the stress of waiting—it’s the uncertainty it creates. Businesses struggle to plan ahead, restock inventory, pay workers, or even keep the lights on. Without predictable payments, expansion is nearly impossible, and owners are left firefighting short-term financial struggles rather than focusing on growth.

If you’re tired of chasing customers for money, here are seven simple ways to ensure you get paid on time—without the stress. The seventh tip includes a newly unveiled tech tool.

1. Set Clear Payment Terms from the Start

One of the biggest reasons payments are delayed is because customers aren’t sure when or how to pay. Avoid this by clearly outlining payment terms before any transaction. Let customers know the exact due date, acceptable payment methods, and any penalties for late payments.

For businesses offering services, a simple invoice with clear terms helps. If you run a school, cooperative, or subscription-based service, structuring payments with due dates reduces confusion. When expectations are clear, payments are more likely to come in on time.

2. Request Upfront or Part Payments

Rather than waiting until the end of a service period to get paid, consider requesting a percentage of the payment upfront. This ensures that customers are financially committed from the start.

For example, if you run a catering business, you can require 50% of the payment before sourcing ingredients. Schools can structure fees into manageable installment plans to encourage parents to pay in advance. When customers have already invested in your service, they are more likely to complete payments on time.

3. Automate Payment Reminders

People get busy, and sometimes, late payments are due to forgetfulness rather than unwillingness to pay. Sending reminders before due dates can prevent this. Instead of calling each customer individually, use automated reminders via SMS, WhatsApp, or email.

For instance, a gym owner can schedule monthly reminders for members before their subscription renewal. Cooperatives collecting monthly contributions can send automatic alerts to remind members of upcoming payments. A simple nudge at the right time can make all the difference.

4. Reward Reliable Customers

Sometimes, the best way to encourage timely payments is to reward the customers who consistently pay on time. This creates an incentive for others to follow suit while reinforcing good payment habits.

For example, a school could offer early payment discounts for parents who settle fees before term starts. A business that provides services on credit could prioritize loyal customers for special deals or extended services. When customers know there’s a benefit to paying on time, they’re more likely to make it a habit.

5. Offer Discounts for Early Payments

Everyone loves a good deal, and small incentives can go a long way in encouraging customers to pay on time. Consider offering a small discount for customers who pay early.

For example, a school can offer a 5% discount on fees paid before the term starts. Landlords can offer a slight reduction on rent if tenants pay before the due date. Small rewards create urgency, motivating customers to settle payments quickly.

6. Enforce Late Payment Penalties (But Politely)

While incentives encourage early payments, penalties discourage late ones. Establishing a small late fee can push customers to prioritize your payment over others. However, the key is to communicate it upfront and enforce it politely.

For instance, a tailor can state that late balance payments will result in an extra charge per day. A cooperative can apply an administrative fee for overdue contributions. Many businesses use “grace periods” before applying penalties to give customers a fair chance. It’s about striking a balance between being firm and maintaining good customer relationships.

7. Use PaywithAccount to Automate and Secure Your Payments

Even with all the right steps in place, managing collections manually can still be time-consuming and stressful. That’s why OnePipe launched PaywithAccount two weeks ago—to help Nigerian businesses get paid on time without the hassle.

PaywithAccount allows businesses to automate payments, ensuring funds are collected directly from customer accounts without the need for follow-ups. This means fewer delays, predictable cash flow, and no more awkward reminders. By eliminating the inefficiencies of traditional payment methods, businesses can focus on what truly matters—growth and customer satisfaction.

Whether you run a school, a cooperative, a gym, or any business that relies on scheduled payments, PaywithAccount simplifies collections and provides peace of mind. Learn more at paywithaccount.com/signup.

In conclusion, late payments can be frustrating, but they don’t have to be the norm. By setting clear expectations, offering flexible options, and using the right tools, you can ensure steady cash flow without stress.

The most successful businesses don’t waste time running after payments—they set up systems that make payments run smoothly. With the right strategy in place, you can focus less on collecting money and more on growing your business.


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Ugo Onwuaso is an ICT enthusiast. He believes technology should be used for general good. He holds a Master of Public Administration (MPA) degree from the Lagos state University. Dear Reader, Your support matters. But we believe that technology makes life more exciting and helps improve the lives of people around Nigeria and indeed the world. That is why, we have devoted our energy to independent reportage of technology and finance and how they affect lives. Our incisive and analytical view of how technology news affects the daily life help individuals and organizations make up their minds. Quality journalism costs money. Today, we're asking that you support us to do more. Kindly support our effort to deliver technology and finance journalism to everyone in the world. Donate as little as N1,000. Bank transfers can be made to: UBA Plc 1017156876 Communication Week Media Ltd

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Spotify’s Loud & Clear Report Reveals Over ₦60Bn Revenue for Nigerian Artists in 2025

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Spotify has unveiled Nigeria-specific data from its annual Loud & Clear report, highlighting how Nigerian artists generated more than ₦60 billion in revenue from the platform alone last year, amid explosive growth in streams, local consumption, and global discovery.

Spotify's Loud & Clear Report Reveals Over ₦60Bn Revenue for Nigerian Artists in 2025

The report, which analyzes millions of data points to illuminate music streaming economics, shows Nigerian artists’ revenue surged over 140% in the past two years.

This boom stems from rising global appeal and stronger domestic engagement, with 30.3 billion streams and 1.6 billion listening hours on Spotify in 2025. First-time discoveries of Nigerian music hit 1.3 billion, up 26% from 2024.

Locally, Nigerian tracks dominated Spotify Nigeria’s Daily Top 50, accounting for over 80% of features, while consumption of homegrown artists jumped 170% year-on-year.

“Nigeria’s music scene thrives on creativity, innovation, and global influence,” said Jocelyne Muhutu-Remy, Spotify’s Managing Director for Africa. “Loud & Clear spotlights how artists are forging sustainable careers and deepening local ties.”

Key highlights include:

  • 55% year-on-year growth in local streams for Nigerian female artists.

  • 75% surge in streams for independent Nigerian artists.

  • Independents and indie labels earning 58% of all royalties from Nigerian artists on Spotify.

Spotify’s editorial playlists featured nearly 2,000 Nigerian artists in 2025, boosting visibility. Nigerian music appeared in 320 million global user playlists and over 12 million in Nigeria, totaling more than 60 million playlists worldwide.

The report also notes evolving tastes, with top-growing genres in Nigeria over five years including pop urbaine, alternative pop, anime, emo, and drill.

For full details, visit spotify.com/loudandclear.


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Madonna University Taps Tech Guru Adote for Strategic Board Role

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Technology strategist Rock Adote has been appointed to the Board of Trustees of Madonna University Nigeria, a move expected to strengthen the institution’s push toward digital governance and modern technological systems in higher education.

L-r: Professor Martin Osita Anagboso, deputy vice chancellor, Madaonna University in a handshake with Rock Adote, newly appointed member of the Board of Trustees of the University

Madonna University

Adote, who has built a reputation in cybersecurity, enterprise identity management and digital transformation, brings over a decade of experience in designing secure digital infrastructure and managing identity systems for organizations.

Stakeholders believe his expertise will support the university’s efforts to strengthen data security and modernize its academic and administrative digital frameworks.

The appointment reflects the university’s growing commitment to technology-driven leadership as institutions increasingly rely on digital systems for academic operations, data management and research collaboration.

Universities today manage large volumes of sensitive digital information, including student records, research data and staff credentials, making strong cybersecurity and identity management frameworks essential.

As a member of the Board of Trustees, Adote will participate in providing institutional oversight and guiding strategic policy direction for the university.

The board is responsible for safeguarding academic standards while steering long-term development initiatives and ensuring the institution remains responsive to evolving global trends in education and technology.

Industry observers say Adote’s background in enterprise digital systems positions him to contribute significantly to the university’s digital transformation agenda, particularly in strengthening technological resilience and governance frameworks across its operations.

Other newly appointed members of the board include Sir Nwagwu Aloysius Emeka, Chief Arthur Obi Okafor (SAN), Professor Anagboso Martin Osita, Mrs. Ike Angela Unaoaku, Barrister Augustine Nenwa Obo and Rev. Fr. Stephen Ifeanyichukwu Nwatah.

Speaking on the appointment, Adote expressed appreciation for the opportunity to serve, emphasizing the importance of aligning higher education institutions with emerging technological realities.
According to him,

“Digital transformation will play a crucial role in shaping the future of academic administration, research and learning environments”.

Analysts note that the inclusion of technology leaders in university governance structures signals a growing recognition that digital transformation is becoming central to the competitiveness and sustainability of modern higher education institutions.

With Adote’s appointment, Madonna University is expected to further strengthen its technology strategy and position itself as a forward-looking institution within Nigeria’s higher education landscape.


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Healthcare Under Attack: Why Cybersecurity is Now Critical Care

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By: Kerissa Varma, Microsoft Chief Security Advisor, Africa

Africa’s healthcare sector is facing a silent emergency. Many healthcare operators, facilities and doctors across Africa already grapple with the challenges of under-resourced environments, an uneven distribution of resources and massive demand for services.

Healthcare Under Attack: Why Cybersecurity is Now Critical Care

Kerissa Varma, Microsoft Chief Security Advisor, Africa

Now healthcare administrators must turn their attention to a relatively new and extremely urgent concern. While doctors fight to save lives, cybercriminals are infiltrating hospitals, laboratories, and clinics, turning life-saving environments into digital battlegrounds.

A growing epidemic

World Health Organisation director-general Tedros Adhanom Ghebreyesus noted that the digital transformation of healthcare, combined with the high value of health data, has made the sector a prime target for cybercriminals, commenting that “At best, these attacks cause disruption and financial loss. At worst, they undermine trust in the health systems on which people depend, and even cause patient harm and death.”

Recent attacks have exposed the fragility of Africa’s medical infrastructure. In May 2025, Mediclinic Southern Africa was hit by a cyber extortion attack, compromising sensitive HR data. Later in 2025, Lancet Laboratories faced a regulatory penalty for failing to notify patients about data breaches under South Africa’s POPIA law, while a ransomware strike on the National Health Laboratory Service disrupted blood test processing nationwide, delaying critical care for millions.

M-Tiba, a Kenyan digital health platform managed by CarePay and backed by Safaricom, suffered a significant cyberattack and data breach in late 2025, while earlier this year Pharmacie.ma, a Moroccan pharmaceutical platform, was reportedly the target of an alleged data leak incident that allegedly involved the unauthorised export of a customer database. And recent research indicates that Nigeria’s private healthcare sector is now one of the most targeted on the African continent, with attacks increasing at an alarming rate.

Many incidents also go unreported, as hospitals and healthcare facilities rarely disclose them publicly, yet these incidents are not isolated, with ransomware dominating the threat landscape. Africa’s healthcare sector is heavily targeted by cybercriminals, with healthcare organisations facing an average of 3,575 weekly attacks in 2025, a 38% surge from the previous year, with encryption of patient data, temporary loss of access to hospital systems and the risk of data appearing on the dark web cited as potential impacts.

Why healthcare is a prime target

The healthcare industry in Africa, particularly in the public sector, is working with legacy systems, fragmented infrastructure, and underfunded IT teams, all of which combine to make the sector an easy target for unscrupulous bad actors.

Many medical institutions are adopting open-source AI tools for diagnostics and patient management. While cost-effective, these platforms often lack enterprise-grade security, leaving sensitive data exposed. Combined with fragmented storage of paper and electronic patient records – often unencrypted and scattered across multiple systems – the risk of breaches multiplies.

Hospitals and healthcare facilities cannot afford downtime. Every minute offline risks lives, making them more likely to pay ransoms in an attempt to regain control of their systems. Cyber insurers  indicate that in 2 of 5 cases of a ransom being paid, data and operations still cannot be recovered. Additionally, in instances where some or all of the seized data is recovered after paying a ransom, the attacker goes on to request further payments.

Medical records are also a premium target for cybercriminals. In the USA, researchers found that patient records, insurance details, and research data fetch premium prices on the dark web – up to 10 times higher than financial data, according to cybersecurity analysts. A single stolen medical record can sell for $260–$310, compared to $30–$50 for a credit card, because unlike credit cards, medical records never expire and medical information cannot be easily changed, making it useful for years. Medical records frequently include personal identifiers, insurance details, and sometimes biometric data, enabling identity theft and fraud, while criminals use medical data for fake insurance claims, prescription fraud, and targeted scams. Microsoft believes cybersecurity needs to be embedded into every technology implementation. This should be a key priority, especially with sensitive medical data and operations.

How healthcare can use modern technology safely

As Africa’s healthcare systems digitise and embrace AI, protecting the digital lifeline must become as critical as protecting the physical one. Key steps can secure healthcare organisations and facilities like laboratories and diagnostic services’ systems.

Include cybersecurity in your resilience planning

Medical professionals and healthcare facilities often prioritise the resilience of physical capabilities. Power backups, multiple devices should equipment fail, and a standby roster in the event of a practitioner being unavailable are all practices that save lives. Equally cybersecurity and safeguarding online systems needs to be built into the overall resilience planning of medical facilities and services.

Investing in cybersecurity technology that can quickly identify and contain attacker activity before it leads to system downtime or data theft can save lives. Having a response plan that is practiced and maintained in the event of a cyber breach and ensuring strong data backups could mean the difference between a total failure of health services or a minor incident. Ensuring incident response plans are aligned with local compliance laws such as South Africa’s POPIA, and Kenya and Nigeria’s Data Protection Acts is critical for healthcare providers to meet both their resilience and compliance objectives.

Prepare for AI-driven attacks that are going to increase attacker speed and success

Threat actors are increasingly exploiting the interconnectedness of modern software ecosystems and operational structures to conduct malicious activity, so regular auditing of third-party integrations, especially those involving AI or cloud services, is critical.

Adversaries are using AI to scale and tailor operations, with AI-driven phishing being 4.5x more effective than traditional phishing. However, in equal measure, AI is transforming cyber defence – it automates response and containment, detects threats faster and more accurately, and identifies detection gaps and adapts to attacker behaviour. Healthcare organisations should invest in AI-driven threat detection for faster response and anomaly detection and must also take steps to secure AI models and data pipelines by implementing robust access controls, vulnerability scanning, and regular patching for open-source tools.

Remote and wider access to patient records requires strong identity practices

As both patients and medical professionals start accessing patient records digitally, strong means of identification, verification and authentication are critical. The Microsoft Digital Defense Report 2025 notes that the abuse of valid accounts is a frequent occurrence, with malicious actors gaining access to user credentials (usernames and passwords) and using them to infiltrate systems without triggering traditional security alerts. Therefore, organisations must deploy phishing-resistant multifactor authentication (MFA) and conditional access to strengthen user defences.

Invest in people and skills

People are at the heart of robust cybersecurity measures, so it is vital to train staff against common tactics such as phishing, which is the most common entry point for attackers, and apply role-based access controls for both clinical and research data to prevent privilege misuse.

Cybersecurity is no longer an IT issue – it’s a patient safety issue. Healthcare services and providers must treat digital resilience with the same urgency as infection control. By investing in comprehensive cybersecurity strategies and leveraging AI-powered defences, Africa’s healthcare sector can position itself as a crucial front line against emerging threats and help build stronger, more resilient digital ecosystems.


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