by Gillian Emmaxco


Pack 'N' Pay, a product of CIC Integrated Services LTD was born as a product that would leverage on technology to solve the problems attributed to the retail–wholesale supply and value chain created by the effect of the pandemic and lockdown simultaneously.

Pack 'N' Pay officially started operations on 18th, January 2021 and launched her e-commerce website on March 2021, with the aim to solve the issues endangering the B2B and B2BC chain in the retail industry. We focus on  the sale of fast moving consumer goods in a bid to curb the existing inconveniences of retailers going to the traditional market and also sourcing for best deals from wholesalers while it can be done using tech enabled means to make the restocking experience 10x better.


 Like our MD says, “…in the end, we are only simple traders trying to make the world better.” Pack 'N' Pay was born from understanding the impact the pandemic and the successive lockdown has had on people, especially those in the retail business. We recognized the problem and we made it our mission to help solve it.

How do we get these people the goods they need to sell at best prices in the market, reduce the stress of the traditional order process and not compromise on quality? By leveraging technology we are answering all these questions and more. 

At Pack 'N' Pay we aim to be the platform that drives informal trade in this modern era by utilizing technology and innovative ideas to fix the fragmented supply chain. Creating solutions for all involved in the informal trade supply chain, from final consumers to raw material suppliers. We aim to bring unprecedented growth to informal markets globally.

We are a highly customer-centric company, we hope to work closely with our customers who are majorly business owners to make their lives a little bit easier. We are only just starting on our journey but we are expectant to achieve a lifetime of humble service.


To be the major facilitator of informal trade across Africa and beyond whilst building strong beneficial partnership with all key players within the supply chain. 


Q - Quality Service

I - Integrity

T - Transparency

Happy International Women's Day


Women are the real architects of society. They bring us into this world, they nurture us, they clean our wounds when we're hurt, they make sure we have food to eat and clothes to wear. They grow with us through every stage of our lives and they love us regardless of our faults and shortcomings. Thank you to all the women who make life worth living.

Happy International Women's Day from Pack 'N' Pay

Starting a Side Business in Nigeria



Starting a side hustle/business has never been easier. All you need in 2022 is an internet-enabled android/iOS phone. With as little as 10k you could be in business in no time. Side businesses are geared towards gainfully employed Nigerians who want to add to their monthly income. With the rapid rate of inflation in Nigeria,  skyrocketing utility bills, and the cost of provisions are at an all-time high and in smaller portions. A normal salary can only take you so far. Having a side business can be profitable if done right. Here are some key factors to consider before starting your own side business. 


Choose a side business you are passionate about

First things first, choose a side business that you are really motivated by, the only thing that keeps side businesses going is our passion for it. A normal 9 to 5 job can easily take 12 hours of a day, from preparing for work, getting to work and the extra unforeseen circumstances that can keep us at work longer than we imagined. Having a family and children can also reduce the number of hours available to us to focus on a side business. 


Choose a side business that is convenient

Choose a side business that can easily fit into your routine or else you will not be able to keep the business alive. For example, whilst working in a large company you can sell fruit juices or food to your fellow staff. This does not interfere with your current job, meaning that you do not have to sort out any logistics in order to deliver your products. 


Choose a side business that moves fast

Every business requires starting capital. Bringing out 300 to 1million naira may not be easy for most of us, therefore when we bring out this large sum we are expecting to see returns immediately. In order to see returns immediately, you have to start a business with Fast Moving Consumer Goods (FMCG).


What are FMCGs?

FMCGs are products that are sold quickly and at a relatively low cost. These are goods such as beverages, drinks, household cleaning supplies, cosmetics and other consumables.


Can I start a business with 10 Thousand Naira?

Yes, you can, with a wholesale company at your fingertips, ordering your goods is easier than ever before. Buying from Pack ‘N’ Pay increases your profit margins thanks to our low prices! Our high-quality products are received directly from the manufacturers ensuring that only quality products are sold to your customers.


With free delivery on your first order, your business supplies can be delivered to you at your own convenience. Order with a click on your phone and get your products delivered to any Port Harcourt location of your choice within 48hrs!


Buy Stock Now


What is the Pan-African Payment and Settlement System (PAPSS)?



In January 2022, the African Export-Import Bank (Afreximbank), AfCFTA (African Continental Free Trade Area) and CBN (Central Bank of Nigeria) put together a payment system, the Pan-African Payment and Settlement System (PAPSS), that eliminates the need for the dollar in intra-African transactions. This is due to the precarious availability of the dollar, the high payment transaction costs and the major payment challenges faced by companies doing business within Africa.

A normal intra-African trade deal would require an importer in Ghana sourcing for dollars in order to process a payment to a Nigerian Exporter. This Nigerian Exporter would need to possess a domiciliary account in order to accept payment of this transaction and then request for the dollar to be changed to Naira. The PAPSS ensures that transactions are fulfilled in local currencies eliminating the need for the dollar.

PAPSS transforms and facilitates payment, clearing and settlement for cross-border trade within Africa. This system is proposing to save the continent $5 Billion yearly in payment transaction costs and thus accelerate transactions between African businesses helping to fulfill the vision of AfCFTA. 

Afreximbank is the main settlement agent for PAPSS and will provide settlement guarantees on the payment system and overdraft facilities to all settlement agents in partnership with Africa's participating Central Banks according to The Nation.

Here is an excerpt from The Nation, 'Before PAPSS, 80 percent of African cross-border payments transactions originating from African banks were routed offshore for clearing and settlement using international banking relationships'. This current system inevitably leads to payment delays, operational inefficiencies and other challenges.

With this development, intra-African trade deals should occur more frequently and with fewer hurdles.

Start your business today, the road is clear. We are currently in Phase 1 of the AfCFTA which is trade

in goods. Buy your wholesale goods from Pack 'N' Pay now.

How to join a Wholesale Loyalty Program

by Gillian Emmaxco

We are excited to announce the Pack 'N' Pay Loyalty Program. 

Earn points and spend points on the website. 

Ways to earn points

1. Follow Pack 'N' Pay on each of our social media pages = 50points

2. Make purchases on the platform 

Redeem Points

100 = 1000points
200 = 2000points
500 = 5000points 

₦1,000 = 10000points

Points can be redeemed on the platform from your 2nd order. 

To launch this program we are giving away loyalty points in our Christmas 2021 Spin and Win game.

Play now



Christmas gifts from Pack 'N' Pay


With the Christmas season fast approaching, The Pack 'N' Pay Advent Calendar is here to help you cheerfully countdown to Christmas day with our exciting offers. Buy bulk this Christmas through Pack 'N' Pay and get your wholesale goods at low prices delivered to you fast.

24 days of Jingling Offers, 24 days of Fun with Pack 'N' Pay. 24 days of specially curated treats to keep you going this Holiday Season. Keep checking our social media to find out how to unlock the daily offers. 

Here's a quiz to unlock the prize for day 1,

How to Claim Prize

1. Follow on Twitter @packnpay_
2. Follow on Instagram @packnpay_
3. Like and Comment on our latest post on Twitter
4. Like and Comment on our latest post on Instagram
5. Fill in this form with the correct answer -







How buying in bulk can benefit YOU!

by User

If you are a consumer and anything like me, you're likely on the constant lookout for ways to save money. One common and very effective strategy for saving money is buying food and household products in bulk. Wikipedia defines bulk purchasing or "mass buying" as the purchase of larger quantities of products than your usual required quantities, for a unit price that is lower than the usual purchase price. The type of goods you buy may affect whether you should make bulk purchases. Perishables, like fruits and dairy products, must be used fast to avoid going rotten. Some of the most common goods that are safe to buy in bulk include Rice, Dry beans. Cleaning supplies, Toiletries, Canned foods, Diapers canned beverages and soft drinks. These are all safe to store at room temperature and have a long shelf life.

 Advantages of bulk buying. 

  1. Buying in bulk is almost always cheaper per unit. Bulk buying reduces the cost per unit and can reduce how much you pay in the long run on the products use at home. Just be sure to choose the items you buy in bulk wisely to avoid ending up with more than you need.

  2. Buying in bulk makes it easier to handle emergencies: Scarcity refers to a gap between limited resources and theoretically limitless wants of consumers. For example, With a lockdown in place, and cases of COVID-19 rising quickly in Nigeria, many people could no longer travel to their local markets where they sourced much of their needed goods. In any case, during the lockdown, most of those markets were closed, and other sources of supply were also unavailable. Bulk buying became an essential part of the people lockdown management strategy as it reduced the number of times people had to leave their homes, thus keeping them safe and preventing the spread of the disease.

  3. Bulk buying is more environmentally friendly: A major plus for bulk buying is that it reduces the carbon and energy footprint on the product packaging. We also reduce the number of containers that are discarded daily and that accumulate in landfills or, worse, in the natural environment such as streams, rivers and even the oceans.

Disadvantages of bulk buying.

  1. Buying in bulk is an upfront expense.  To take advantage of bulk buying, you have to buy it all immediately rather than spacing out the purchases. You might only pay N3000 for N5000 worth of toothpaste, but it's N3000 now rather than N1000 payments spread out five times over several months. For some people, this financial difficulty is the greatest barrier.

  2. Bulk buying requires a significantly larger space designated for storage.  If you live in a smaller house. Bulk buying might be difficult for you, ensure you have the necessary space to store the items purchased to avoid unnecessary clutter.

  3. Finally buying in bulk means you might have less variety in the products you use.

(A great way to mitigate some of these problems would be to form a cooperative society or bulk buy group, that way you still get the value of your money and an amount that is adequate for you, it’s a win-win).

How to buy in bulk.

The easiest way to buy in bulk is through an online service like Pack'N'Pay. By leveraging technology to make products more easily available to retailers and consumers at lower prices, Pack'N'Pay helps small retailers boost sales and improve their livelihoods and allows consumers to save money when shopping. Instead of having to navigate a fragmented network of distributors and wholesalers, our customers can connect directly to leading consumer goods companies via our Pack'N'Pay website on their phones and laptop.


Exploring how profit and loss affects your business

by User
man counting money

Profit & loss or P&L is also often referred to as the income statement of the business. This is because at the end of each period (month, quarter, year) the business generates a set of financial statements that help paint a clear picture to the management and business owners on how the business is performing.

Managing P&L is all about maximizing sales and minimizing costs in a sustainable way that does not endanger the long term growth of your business while still maximizing profits at the end of the period.

Your profit margin is one of the best indicators of whether your retail business is operating efficiently and how profitable it is. It also answers critical questions about your business, such as whether products are priced correctly or if operational costs need to be reduced.

Retail profit margin takes into account the initial cost of goods and expenses a business has to pay to produce and sell a product. More importantly, it demonstrates the portion of each revenue naira that is actually earned.
Types of retail profit margin

There are 2 main types of retail profit margins which we will cover today. They are the

Gross Profit: Revenue — Cost of goods sold(COGS)

Example: Let’s say your company’s total revenue is N2, 500,000 for the month, and the cost of goods sold is N2, 000,000. Your gross profit margin would be:

N2, 500,000 — N2, 000,000 = N500, 000

In naira value, your gross profit margin is N500, 000 for the month. To convert that as a percentage value, divide the gross margin amount by total revenue, and multiply that by 100.

N500, 000 / N2, 500,000 x 100 = 20% (gross profit margin)

2. Net Profit: Net profit after subtracting the allocated business expenses incurred, as well as everyone’s favorite additional cost, taxes. These expenses include things like the shop rent,

Example: Your retail store generates N2, 000,000 in sales for the quarter. Your product costs and operating expenses came out to N1, 500,000, and your overheads costs amounted to N200, 000.

Below is how you would get your net margin percentage:

N2, 000,000 — (N1, 500,000 + N200, 000) = N300, 000 (net profit)

N300, 000 / N2, 000,000 = 0.15

0.15 x 100 = 15% (your net profit margin)

Considering all business expenses and not just the cost of goods sold is really crucial when calculating your profits. Many people often overlook the extra costs these bring and thus underprice their products and services. Calculating you margins often will help you focus your best efforts, talent, and attention on selling your most profitable products, services, customers, niches, or channels.

One of the easiest ways to increase your profitability is to buy goods more effectively. It makes sense to review your suppliers regularly. This allows you buy the same raw materials more cheaply or efficiently. However, you must ensure that you maintain quality at the same time.

The easiest way to find quality, products at the best prices is through an online wholesale platform like Pack’N’Pay. We partner with many vetted suppliers and manufacturers to bring both convenience and efficiency to our customers. We also ship the goods right down to your store thus ensuring you don’t have to take time out of your busy schedule to go product hunting. On our platform you can find soft drinks, breakfast beverages, pasta and so much more learn more about us today.