AI agents for business finance: what they can and can't do
What AI agents can do in bookkeeping, close, collections and compliance today, where a person must stay in charge, and how to judge a product.
The short answer
To sell on Jiji you create an account, post an ad with clear photos, an honest description and a price set against similar live ads, then answer buyers by phone or chat. Jiji sells paid Premium Services that raise how often an ad is seen, but its FAQ does not publish their prices; the Premium Services page in your account shows them. Hand goods over only after the money is confirmed in your own account, ideally in a busy public place.
Jiji is a classifieds marketplace: you list an item, buyers contact you, and the two of you agree the deal. TechCabal reported in November 2024 that the platform had more than 200,000 active sellers and over 6 million active listings, and that most of its revenue came from sellers paying for Premium Services. That scale is the reason to be there, and also the reason a plain listing can sink quickly. This guide covers the three things that decide whether you sell: the listing, the price and the handover.
Setting up and posting your first ad
- Register with a phone number you answer during the day. Buyers on Jiji tend to call rather than wait for chat replies.
- Choose the narrowest category that fits (for example a specific phone model rather than 'Electronics'). Category filters are how most buyers find stock.
- Upload your own photos taken in daylight: front, back, sides, any fault, and the item switched on if it is electronic. Stock images invite doubt.
- Write a title with brand, model, size or capacity and condition, such as 'Samsung 32-inch LED TV, used 1 year, working'.
- Fill every attribute field the category offers. Missing fields can keep an ad out of filtered results.
- Set your location accurately. A buyer in Ikeja searching nearby stock is unlikely to cross to Ajah for a small item.
- Publish, then check the ad as a buyer would see it on a phone.
Whether posting is free in every category, and how many free ads an account can keep live, depends on Jiji's ad limits for that category; the posting screen tells you when a limit applies. We could not confirm a single rule for all categories, so check before you list a large stock.
Pricing against similar ads
The quickest way to price on Jiji is to look at what is already listed, not what you paid. Search the same item, filter to your city and condition, and note ten live prices. Then adjust.
- Ignore the cheapest one or two ads. Unusually low prices are often bait, faulty stock or not real, and Jiji's own safety page warns buyers about prices that look too good.
- Place yourself near the middle if your item is ordinary, slightly above if it is in better condition or comes with box, receipt or warranty.
- Leave negotiating room. Most Jiji buyers expect to bargain, so a price 5 to 10 percent above your floor gives you space to agree without losing money.
- Mark 'negotiable' only if you mean it, and decide your lowest price before the first call.
Worked example (illustrative)
Example: you are selling a used blender. Ten similar ads in your area range from ₦18,000 to ₦42,000; dropping the two lowest (₦18,000 and ₦20,000) leaves a middle band of roughly ₦26,000 to ₦32,000. Your blender is clean with its box, so you list at ₦31,000 with a private floor of ₦28,000. If a buyer settles at ₦29,000, you are still ₦1,000 above your floor. These figures are an example, not market data.
Free listing or Premium Services
Jiji's Premium Services FAQ lists paid tiers from Basic up to Enterprise Lux. Each tier promises more exposure than a free ad, for example 'up to 2X clients' on Basic and 5X on Premium, plus TOP+ placements and more frequent automatic renewal of the ad's position. Packages run for one, three or six months, and the larger tiers also for twelve. The FAQ does not show prices; those appear on the Premium Services page when you are logged in, and they can change.
A paid tier makes most sense when you sell the same kind of item repeatedly and your margin per sale is known. For a one-off sale of a single used item, a well-written free ad and a fair price usually matter more. We look at the arithmetic in Is Jiji Boost worth paying for?
Handing over the item safely
Jiji's safety guidance is written mainly for buyers, but its rules protect sellers too: deal in public places, inspect before money changes hands, and be wary of fee requests and unusual payment methods. For sellers, the practical rules are these.
- Meet in a busy, public place in daylight, such as the front of a bank branch or a mall entrance, and take someone with you for high-value items.
- Do not release the item on the strength of a screenshot, an SMS or a buyer's word. Open your own banking app and confirm the credit has landed.
- Never send money to a buyer for 'delivery', 'verification' or a 'refund of overpayment'. That is the shape of several common scams, covered in Jiji scams: what buyers and sellers face.
- For delivery orders, Jiji offers a Safe Deal checkout in some cases, where the buyer pays through Jiji and the money is held during delivery, then released 24 hours after the order is marked delivered unless the buyer reports a problem.
- Write a short receipt that names the item, the price and the date. It settles later disputes.
What to check first
- Your phone line works and you can take calls during business hours.
- You know your floor price and have looked at at least ten similar ads.
- Photos are your own and show any defect.
- You will only release goods after the money shows in your account, as set out in confirm payment before you hand over goods.
Where Pryme fits
A Pryme Personal or Business account gives you a naira account to receive buyers' transfers and see the credit before handover. You can also generate a verifiable receipt with VerifyDoc.ai, which the buyer can check is genuine and unaltered; see verifiable receipts. Naira deposits are held by Solid Allianze Microfinance Bank, licensed by the CBN. Details are on how Pryme works.
Questions people ask
Is it free to post on Jiji?
Many categories let you post ads without paying, but Jiji applies ad limits in some categories and the posting screen tells you when one applies. Paid Premium Services add visibility; their prices are shown in your account, not in Jiji's FAQ.
How do I make my Jiji ad appear first?
Fresh, complete ads with good photos rank better with buyers. Jiji's paid tiers renew an ad's position more often and add TOP+ placements, from every 48 hours on Basic to every 2 hours on Enterprise Elite, according to its FAQ.
Should I accept bank transfer from a Jiji buyer?
Yes, but only release the item once you see the credit in your own banking app. A screenshot or SMS alert is not proof.
Where is the safest place to meet a Jiji buyer?
A busy public place in daylight, such as a mall entrance or outside a bank branch, with someone you trust for high-value items. Jiji's safety page advises meeting in a public place.
Sources
- TechCabal: How Jiji became one of Nigeria's e-commerce leaders (21 Nov 2024) · accessed Oct 2026
- Jiji.ng: Premium Services FAQ · accessed Oct 2026
- Jiji.ng: Safety tips and Safe Deal FAQ · accessed Oct 2026
This article is general information, not financial, legal or tax advice. Products described are provided under the terms on this site and are subject to regulation and eligibility.