Overview

Pack ’N’ Pay (also styled “Pack’N’Pay” or “PACKNPAY”) is a Nigerian e-commerce and wholesale business that serves retailers and bulk buyers. The company is based in Port Harcourt, Nigeria, and positions itself as a “one-stop wholesale store for the African retailer,” aiming to solve restocking challenges in the informal retail sector.

They offer a broad catalog of consumer goods, including rice, pasta, oils, soft drinks, condiments, spices, and household care items.

Business Model & Services

Wholesale / Bulk Distribution
 Supplies goods in bulk to retailers, enabling small shops to restock through Pack ’N’ Pay’s platform rather than sourcing from multiple suppliers.

E-Commerce Platform
 Operates an online store where retailers can browse categories and place orders.

“Osusu” Digital Initiative
 In 2025, Pack ’N’ Pay launched a platform called Osusu. This allows customers to lock in current prices for essential goods and pay gradually over time, protecting them against inflation. Even if prices rise later, customers still pay the earlier locked-in rate.

Strengths, Position & Challenges
Strengths & Opportunities

Addressing informal retail pain points – simplifies procurement for small retailers who often face fragmented supply chains and limited access to credit.

Flexible payment options – through Osusu and similar models, customers reduce the burden of upfront payments in a volatile economy.

Wide product mix – focuses on staples and fast-moving consumer goods, ensuring steady demand.

Challenges & Risks

Inflation and currency volatility – managing costs and margins is tough in Nigeria’s shifting economic environment.

Logistics and infrastructure – distribution across states faces hurdles due to poor transport systems.

Competition – faces pressure from traditional wholesalers, local distributors, and other e-commerce players.

Credit risk – offering installment payments carries the risk of buyer defaults.

Capital intensity – wholesale operations require significant upfront investment in inventory.

Organization & Size

Pack ’N’ Pay is a privately held company with a small team (between 1–50 employees). On professional platforms, it describes itself as a game-changing solution in retail and wholesale across Nigeria.