How Does Affiliate Marketing Work in Nigeria?
You may come across several offers in Nigeria that say affiliate marketing. One asks for a fee before you can start, and another talks mostly about the people you could bring in. A third simply gives you a link to a shop.
The same words cover three different things. By the end, you will know what an offer counts, whether there is a fee before you start, and what Nigeria's 2025 law says. You will also have a table and a checklist for the next offer you see.
We do guided affiliation, which is one form of affiliate marketing. Other ways of doing this exist, and they are not wrong for being different.
Below, we ask each kind of offer the same two questions, in order: what is counted, and is there a fee before you start. We begin with two Nigerian programs whose pages we read on 31 October 2026: Konga, with no fee to join, and Expertnaire, with one. Then comes the kind of offer Nigeria's 2025 law is about, and our own model comes last, described on its own.
How a tracked link counts a sale: Konga's affiliate program
Konga is an online shop in Nigeria, and its affiliate program gives you a tracked link, yours alone, that carries your account. When someone buys through it, the program ties the sale to your account, as Konga's answers to common questions explain. The page adds that sales are tracked on Konga's own affiliate platform.
What is counted? A sale, made by someone who came through your link. What you receive for a sale comes from that purchase.
Is there a fee before you start? No. Konga's page puts it plainly: "The Konga affiliate program is completely free to join."
Konga's page also says it provides banners, text links and other promotional materials to help you promote products. The same sale can also be counted after a fee to join.
When joining comes with a yearly fee: Expertnaire
Expertnaire is a Nigerian platform that calls itself "a digital marketplace". It sells digital products made by creators, and its page names the vendor, the affiliate and the customer. As an affiliate, you recommend those products, and the page says what you do: "use the unique link of each product that our system provides".
What is counted? A sale here too. The page says its tracking system makes sure "you are compensated for the sales you refer".
Is there a fee before you start? Yes. To sign up as an affiliate, the page asks for a yearly affiliate fee, which you renew. The amount is on its page.
What changes from Konga is not what is counted. It is what you put in before you start. A third kind of offer no longer counts a sale.
When what counts is the people you bring in: Nigeria's 2025 law
What is counted? Mostly the people you bring in, rather than what is sold.
Is there a fee before you start? Not a fee, but money put in. BusinessDay, a Nigerian newspaper, has set out how the Investments and Securities Act 2025 (ISA) treats these schemes. In one form, as BusinessDay describes it, what those already in receive comes from money put in by new members.
In another form, people make money mostly by bringing in new members. For that form, the source does not say whether money is put in, and neither do we.
Under the ISA, BusinessDay writes, these schemes are "expressly prohibited and criminalized". Section 196(3) of the Act makes it a crime to promote or operate prohibited or unregistered schemes, according to InvestData.
In April 2025, after the crash of CBEX, the Securities and Exchange Commission (SEC) warned influencers and bloggers against promoting unregistered schemes, as ThisDay reported. So the law can concern the person who promotes a scheme, as well as the people behind it.
BusinessDay also points readers to the SEC's portal, to check whether an investment platform is registered. On the SEC's site, that page is called Find a Registered Operator.
The signs of a scheme that borrows the words affiliate marketing are set out in is affiliate marketing legit.
Guided affiliation, the model we work with
Our model is called guided affiliation, explained in how does guided affiliation work. We make the content, captions included: the creating and the filming are on our side.
You do not need followers of your own. We create an account with you, step by step, separate from your own accounts, and you post on that account. There is nothing to buy and nothing to deposit, at any point.
We count the clicks on your link, and what you receive depends on them. It comes from us.
Guided affiliation is easier than classic affiliate marketing in one way, because the content you post is made for you.
It has limits too. A weekly quest can give a small bonus to an affiliate who invites five people who then join our Discord. It does not replace what you receive, which depends on the clicks counted on your link.
That is the part of our offer that touches the people you bring in. The posting also has to stay regular. Guided affiliation is open in every country, Nigeria included.
Before you say yes to an affiliate offer in Nigeria: a table and a checklist
The table puts the three kinds of offers side by side, with the same two questions. In the first two rows, the first two cells come from Konga's and Expertnaire's own pages. The rest comes from the press articles we read on the 2025 law.
What each kind of offer counts
| What is counted? | Is there a fee before you start? | What the 2025 law says |
|---|---|---|
| A sale through your link | No, free to join (Konga's page) | Nothing in the sources we read |
| A sale through your link | A yearly fee to sign up as an affiliate (Expertnaire's page) | Nothing in the sources we read |
| The people you bring in | Not a fee: in one form, money put in by new members goes to those already in (as BusinessDay describes it) | Banned, as BusinessDay describes the ISA 2025 |
Where a cell says "nothing in the sources we read", it is not a verdict on the program.
Before you say yes, tick each line
- I know what the offer counts: a sale, people who join, or something else.
- I know whether there is a fee before I start.
- Most of what I would receive does not come from people I bring in.
- If the offer takes my money to grow it, I have looked for the operator in the SEC's Find a Registered Operator list.
- For a question on one offer, I know a lawyer is the person to ask.
The first two lines are the two questions. The third comes from the 2025 law, as BusinessDay describes it. The fourth comes from the SEC, and the last one is for your own case.
When the next offer comes your way, start with the two questions. If you are a student, read how can I make money as a student in Nigeria.