₦airaland Forum

skima:
The setup fee for interswitch webpay is too high compare to other online payment solution. With this rate small site that would like to offer local online payment is being pushed aside. This is a great setback towards ecommerce development in this country.

What do you guys think, do u think i wont gain even if they reduce to 10-20k ?
Since they still charge 1.5% on every transaction i think money will still role in has they are guarantee payment while their merchants make sales.

How do we get them to reduce this cost, ?

I am replying this in 2026, now we have Korapay, Paystack, Flutterwave, Voguepay, BACHS among others their integration are free. We have really transitioned and are still moving

brain54:
:::

First off what kind of man do you truly want?


Let's start from there let's know if you are setting unreasonable targets and demands.


I don't think it's wrong to have a reasonable acceptable standard and to insist on that standard.


The question is if it's realistic or not.


Only desperate people will settle for anything available because they are pressured to marry.

:::

She wants a Dangote with a touch of Wizkid

keeper303:
P

Can you explain this further? I want to learn.

The same way people setup companies, high networth individuals can setup trusts that organises and protect their wealth from self destructing especially through their children. The trust will state what their children, grand children, great grand children or even third parties, what they gets per period (year, quarter or others), requirements to be on certain governance structure, age among others

Alkason:
Let's talk private.

you can chat me up on 08089456258

“Hard times create strong men. Strong men create good times. Good times create weak men. And, weak men create hard times.”

michlins:
Make this man create an irrevocable trust to handle his affairs when he is no more. He shouldn't write will as vultures are already here to pick his sweat to carcass.

Wishing him the best

with the irrevocable trust no need for will again

Alkason:
Stop playing.

no be play oh, there is one that is even minimum of $8 me even another that my Chinese friend shared with me minimum of $100 m and Maximum of $50B and you know these things have sorts of paper works. Na on top this kind matter people suppose collabo but as per Nigerians Na we are too greedy to collabo. I don't even share such information with anyone because the little ones I know Na how to thief am from my brain I dey experience. A lady from here reached out to me about getting her idea to become implement, she dropped a sentence and I created a 13 page working document from it, before I knew it she was saying we should do MOU, I told her I don't do that I get things done and get paid, the hypergamy in her head will make her feel entitled. Before I knew it got a Letter to desist from a Law Chamber that she sent, if not for her being myopic in few months away she would have been discussing getting investors who can promote the awesome project she shared with as low as $100k or even more. But according to her I might steal her idea. It was so funny to me, so people steal ideas, the same ideas thousands of people might be thinking on across the world

imagrg:
THOUGH CUSTOMER CARE TRIED TO EXPLAIN THE ISSUE BUT NOT TO MY SATISFACTION.
YOU REPAY LOAN TWICE A MONTH AND THE ORIGINAL INTEREST RATE REMAINS.
YOU BORROW 109.200 AND REPAY OVER 68K IN TWO MONTHS!

THE FGN SHOULD DO SOMETHING ABOUT THIS.

It's simple as ABC don't pay them

I already know where I can get $1m will use 30% of the money to do paper work. Will bank that on the 1 m USD first

Leemzyy:
She will also Use him, and look for another one

that one sure na, but I trust goons, they will look for her weak zones and plan an attack that she won't forget so easily

I trust some of our guys, they will jump in and start well in between the lady will cry, because the guy will use and dump her, then she will look for another

Wcrux:
I’m building a video downloader website and I’m looking for the best architecture to run a downloader module like yt-dlp on a Python stack. Does anyone have suggestions, especially people who have built TikTok, YouTube, or other video downloader sites, in any stack?

Surely you will have a mix of Python, JavaScript and html5

DMCA:
Nicki minaj I am a pastor too
Make u for come do more, and serve under my ministry
let me shower you with wonderful blessings

Shey you get strength to dey pastor baddies

Lannister247:
Good morning, everyone. Please, I need honest advice from Nigerians who have experienced life in the UK, especially Nigerians who have returned home after relocating abroad.

Please as a Nigerian if you have not visited the UK or lived in the west before then stay away, you'll never understand the challenges abroad thus youll start making silly comments like:

"Na villiage people de call you"
or "anywhere is better than nigeria"
or start throwing insult on something you know nothing about.

Continuing..

I knew abroad was hard, i watched people's story on youtube but i never expected it to be this terrible.

I am a Nigerian currently in the UK studying for a master's degree. Honestly, I am struggling badly with life here, and I have been regretting since i came here.
Before coming to the UK, I had my own challenges in Nigeria, but I was far happier, i had peace i took for granted.

Since arriving here, I have been feeling stressed, worried and trapped. I don't enjoy anything about this place, and I find myself regretting my decision almost every day. Sometimes people even notice the worry on my face and ask me if I am okay, THE STRESS IS OVERWHELMING.

One of the things weighing heavily on me is the routine I have ahead of me for the next year. I either have to go to school or be working. I don't have even one day of rest in a week not even Sunday. This is what my life is going to look like for the next year, and honestly, I don't know how I will cope with it. The thought of living like this is overwhelming, should i even call that living?

Another thing that worries me is the future. I see people talking about five year and ten year plans to gather enough funds and return back home, but I don't even know how I can stay here for another month. I have met Nigerians who have lived here for many years, some 5, 10 years and they have nothing, even the ones who manage to build one small house in Nigeria built it with their life(not money) working like a sl@ve 7 days a week toiling and jeopadising your health just to build a house, is it worth it?

Seeing this has made me question what exactly I am walking into and wether its better to exit early when i still have my youth, i mean the kind energy people put here if they put it back in Nigeria they must succeed.
People are not happy here they are simply enduring everything because they have already invested so much in coming and is ashamed to go back.

If I return to Nigeria now, I will have to start figuring things out again.
My biggest fear is not just the financial side of returning. It is also what people will say. Some Nigerians may laugh at me for returning after such a short time, especially when so many people are desperate to relocate abroad.

I don't want to make a decision based on people's opinions, but I would be lying if I said their judgment does not bother me.
At the same time, I don't want to spend the next 5-10 years being miserable, missing out on life, toiling, waking up by 4am and getting home by 8pm simply because I am afraid of what people will say. If i ever get the courage to go back to Nigeria ill never leave that place, you'll never value that Country until you've left. I am just confuse at the moment.

Normally I been dey talk am Na Ponzi scheme UK dey run, you best bet is not returning to Nigeria, find how to move to neighbouring countries, like Austria. What you need now is to learn how to do Idan, games like digital business.

Segxydube:
And u said part of d reasons to go to school is not to get job.


Keep playing

So what is the reason for going to school

Segxydube:
Go school ursef.

If u are looking for job they will ask for ur school certificate abi? Keep playing

so what will they ask for

Segxydube:
Oga rest... One of the importance of school is to get job.

So you were told, you bought the wrong script just like many. I wish I had the time to school you on this but where is it?

franchasng:
critical thinking bawo

that is the centre of all you go to learn but many don't know

Such a stupid decision, if you want to do that why not do it privately. This is where many miss it, the importance of going to school is not to get jobs, instead it is to develop critical thinking and learn social skills like networking. Tomorrow now someone will recommend him to be a Minister and he will be asked where is your NYSC certificate he will be saying erm erm.

samadola111:
I realized there’s not a lot of information available to people that are coming to Canada or plan to like I had in my own time migrating here. So I figured , might as well create one.

The idea is for people that have questions and answers about migrating to Canada to give their opinions so as to offer insights to those newly migrating .

All routes are open for discussion from PR , work permit, study permit , visitors e.t.c

We will appreciate more insights from you

experts:
Read properly before commenting

Topic says Ilorin, why don't you make it Kwara

naptu2:
Wait, is this just bad belle?

Anyway, everything that you wrote is wrong.

1) There are places in East Africa that produce crude oil and they considered siting the refinery in those places.

But as I said, access to market is more important than closeness to oil fields.

They chose Lamu because of its excellent port and closeness to markets. They are building pipelines to pipe the oil from East African oil fields to Lamu and they can also easily import from other places.

Dangote Refinery in Lagos does not just depend on Nigerian oil, it imports from other places.


2) I wrote this on my diary this morning.

Oh good! I have found the video again!

This subject was on my mind in the 1990s, long before Dangote decided to build his refinery.

There were 3 things on my mind in the 1990s, but that was 30 years ago and I have now forgotten one of them.

There are 3 things that can give you many products.

From a palm tree you can get:

⚫️ Cooking oil

⚫️ raw material (palm oil) for soaps

⚫️ raw material (palm oil) for candlewax

⚫️ raffia material

⚫️ brooms

⚫️ palm wine

⚫️ sugar

And so on and so forth.


Crude oil can get you:

⚫️ fuels like petrol, diesel, kerosene, etc.

⚫️ plastics

⚫️ polyproylene bags (aka nylon bags)

⚫️ synthetic fibres used in clothes

And so on and so forth.

I can't remember what the third thing was, but I know that it was a plant.

Anyway:

Dangote has no sense

This was a common theme among Nigerian intellectuals around 10 to 15 years ago. It was a huge debate on Nairaland.

One of them that is famous on Twitter asked how Bill Gates could be friends with someone like Dangote.

They said that the world was moving on from internal combustion engines, yet Dangote was building a refinery. They made fun of him.


Dangote's sense

Meanwhile here is Dangote's sense.

Apart from the fact that it will take a very long time before the world abandons petroleum based fuels, crude oil is not only used as fuel.

There are many many many other products that Dangote gets from his refinery.

Aliko Dangote responds to critics who say the World is moving from his Oil to Electric Vehicles.

He says you can produce about 6,800 items from Crude Oil. And most of these items doesn't have substitutes. pic.twitter.com/Mcv0yLGKJN

— Tuchel (@Officially_Kriz) October 1, 2026

The business of monopoly in Africa is primarily solving consumption needs , daily needs while in US it's investing in the future

Gotocourt:

Dangote Refinery in Nigeria is in the west of the country. The oil is in the east and south. It can work because Nigeria is one country.

The Igbo in the east don't mind if the oil is being taken to the west for refining because it is one country and they can go to Lagos to work in the refinery and the taxes are shared across the country.

There would have been problems if it was not one country. The Igbo won't be happy if the oil is being taken to Yoruba land for refining.

President Yoweri Kaguta Museveni (aka M7).

Madness that destroyed Warri, it had lots of industries before our oyel, our land mentality sprang up. Youths and communities will protest, extort investors, shut down production, stop company trucks screaming matching ground fee .

This thing you just mentioned is what is preventing South South and South East from growing at the pace they should, entitlement mentality

djevino:
I saw a post on X about how nairaland fell due the the fact the owner allowed tribalism, I decided to check it out and to my surprise the site still exist😂


What’s really going on here tho🤔

The guy dey cash out low key, old money styled

experts:
WHY ILORIN IS COMPETITIVE FOR A SECOND DANGOTE REFINERY IN NIGERIA - Rukayat Shittu

Following my invitation to Alhaji Aliko Dangote to consider Ilorin for a future refinery, many have asked a legitimate question.

Can an inland city like Ilorin compete with Lagos when it comes to crude supply, logistics and access to international markets?

My answer is simple, yes, potentially, but not by trying to make Ilorin another Lagos, but by serving a purpose Lagos may struggle with.

Ilorin's advantage is precisely that it can serve a different purpose.

Lagos has the coastline, deep water access and proximity to international shipping. It is therefore naturally positioned to remain a major refining and export hub for Europe, Asia, the Americas and the wider Atlantic market.

Ilorin can complement that position by becoming an inland energy and refining hub focused on Nigeria and the African continental market.

An Ilorin refinery does not need a coastline to receive crude.

It can be supplied through a combination of dedicated crude pipelines from producing regions; expanded national petroleum infrastructure; strategic crude storage;
pipeline connections to multiple supply corridors and, where commercially viable, rail as a supplementary logistics option.

Nigeria produces crude in the Niger Delta, while emerging inland production prospects provide opportunities for future diversification of feedstock sources.

A refinery should be located not only close to crude, but also close to its customers.

And this is where Ilorin becomes a sound pitch.

Ilorin sits at a strategic junction between the South and the North.

A refinery here could potentially serve Nort Central Nigeria, the North, and neighbouring African markets, while retaining access to the South West.

Instead of transporting huge volumes of refined products from the coast deep into the interior, Nigeria could bring refining capacity closer to the consumers.

That means potential savings in transportation,storage, road congestion, product evacuation, distribution time and logistics risk.

The bigger opportunity is an Ilorin Energy and Industrial Corridor.

A major refinery could anchor petrochemicals, gas processing, fertiliser, power generation, industrial manufacturing
storage, engineering services, logistics, aviation fuel, lubricants and other energy intensive industries.

Ilorin could become an inland energy gateway connecting Nigeria's major markets with the wider African market.

Lagos can remain Nigeria's major coastal refining and global export hub.
Ilorin can develop as an inland refining, distribution and African market hub.

One faces the ocean.
The other faces the continent.
That is not duplication.
That is diversification.

And diversification is how serious economies reduce systemic risk and logistics costs.

My invitation was addressed to Alhaji Aliko Dangote because he has demonstrated what Nigerian private capital can achieve at world scale.

But the proposition is much bigger than one investor.

Other Nigerian industrialists, indigenous petroleum companies, international investors, infrastructure funds and Private consortia can step in.

Kwara is pen to all serious investors willing to build productive energy infrastructure.

Let them come. Let the engineers study it. Let the economists model it. Let the investors test the numbers.
If the numbers work, Ilorin is ready.

Kwara has the land.
Kwara has the location.
Kwara has access to major markets.
Kwara has an emerging infrastructure ecosystem.
And, most importantly, Kwara has the ambition to turn its strategic geography into industrial wealth.

So my invitation remains.

Alhaji Dangote, come and look at Ilorin.
Not because Ilorin has no challenges.
But because every great industrial project begins by solving challenges that are worth solving.

Ilorin may not be Nigeria's next Lekki.
It could become something different, Nigeria's inland energy gateway to Africa.

Hon. Rukayat Shittu
https://www.facebook.com/share/1CSk3Y9nNC/

Ilorin or you mean Kwara State. Where is the water body or land that it will be sited may be you mean Jebba instead

victorazyvictor:
Am not a crook, speak for ya sef

you will say so, but when tested will pass it, most people who claim not to be stand the chance of being worse versions

victorazyvictor:
Yes, but what is happening now is incomparable. So stop sounding like a yoruba muslim.

you are just looking for baseless excuses, the average Nigerian is crooked and even you and I are not left out

victorazyvictor:
God forbid. Even IBB confirmed it that, if compare what is happening now, they're saints.

It has been existing before 1960