Your Rate in Naira

Price, Pitch and Get Paid by Brands: the Feed to Wallet Brand-Deal Playbook

Find out what your page is worth, pitch brands that actually pay, and get paid without chasing.

David E. · Helsaverse · helsaverse.com Final draft v2.0 · October 2026 · ₦9,500

Read this first: disclaimers

This book is education, not a promise of income. Every naira figure in it is illustrative. The figures are worked examples built from the Helsaverse rate formula and typical small-creator situations. They are not quotes, averages or guarantees. Your results depend on your niche, your audience, your consistency, the brands you approach, the economy and plenty of luck. Many creators who follow every step in this book will still hear "no" many times before the first "yes," and some won't land a paid deal at all within any particular timeframe.

This book is not legal, tax or financial advice. Tax and advertising rules in Nigeria changed in 2025–2026 and are still being clarified. Before you rely on any rule described here, check it with a qualified tax adviser or lawyer and with the official source: the Nigeria Revenue Service (NRS), your State Internal Revenue Service, the Corporate Affairs Commission (CAC), or the Advertising Regulatory Council of Nigeria (ARCON).

Platform names, fees, limits and features change. Any app, bank, fintech or marketplace named here is an example. Helsaverse isn't affiliated with any of them and isn't paid to mention them. Check current terms yourself.

About every rate in this book: they are estimates. Every naira rate figure is an estimate produced by the Helsaverse rate formula, the same formula behind the free Naira Rate Card tool on helsaverse.com (Chapter 3). The formula uses simple, deliberately conservative starting points. It is not a market survey, and no brand is obliged to pay these amounts.

Payments and this book. Helsaverse sells this book through Flutterwave. In line with Flutterwave's and our own policies, it never presents crypto, betting, gift-card or FX trading as a way to earn.

What this book will never teach: promoting or earning from betting, crypto or token schemes, forex or "signal" trading, gift-card trading, loan apps that aren't properly registered, "investment" platforms, multi-level marketing, or anything that needs someone else to lose so you can win. Chapter 1 explains why. That isn't squeamishness. It protects your audience, your bank account and your name.

How to use this book

This book is a system with seven links:

Numbers → Price → Kit → Pitch → Paper → Payment → Proof

Each chapter builds one link and ends with a "Do this now" box. Do the box before you move on. The worksheets are written so you can copy them into your Notes app, a Google Sheet or a ₦300 exercise book. The format doesn't matter. Filling them in does.

You'll see four kinds of boxes:

• 📋 Worksheet: fill this in.
• 💬 Script: copy, adapt to your voice, send.
• ⚠️ Red flag: a common way Nigerian creators lose money or get scammed.
• 🧮 Illustrative numbers: a worked example. These are not promises.

The free Naira Rate Card tool on helsaverse.com runs the Chapter 3 formula for you. If you join Helsaverse Club (₦18,000/month), Talk can also rewrite any script in this book in your voice. You don't need either to use the book. They just save time.

Who this book is for

• You have somewhere between about 1,000 and 100,000 followers on TikTok, Instagram, YouTube, X or Facebook, or you run a WhatsApp TV or status page with real viewers.
• People have started asking "how much do you charge?" and you don't know what to say.
• You've done "collabs" for free, for products, or for a promise that never came.
• You live in Nigeria (or Ghana, Kenya and elsewhere in Africa; see the sidebar notes) and you want to be paid in naira (or your local currency), into a real account, with records you'd be happy to show anybody.

Who it's not for

• Anyone hoping to buy followers or views. Brands check now, and fake numbers will get you blacklisted faster than small numbers ever will.
• Anyone looking for a quick win that depends on a gambling, crypto or "investment" sponsor. Those deals pay quickly and cost you later.

Chapter 1: Why brands pay when platforms don't

The feed decides who sees you. The wallet decides if it mattered.

If you create from Nigeria, you've probably felt this injustice. A creator in Texas with your exact views can get a cheque from TikTok's Creator Rewards programme. You can't. That programme isn't open to Nigerian accounts. Instagram's monetisation tools are invite-only for most Nigerian creators. Facebook does pay some pages, but on African audiences the money per 1,000 views is often tiny, sometimes well under a dollar. YouTube pays, but the ads shown to Nigerian viewers earn far less than ads shown to viewers in the UK or US.

So the platforms mostly aren't paying you, and they won't any time soon.

But brands will. Every week, Nigerian businesses spend real naira to reach people's attention. The fashion vendor in Yaba, the small-chops caterer in Port Harcourt, the skincare brand with three staff in Abuja, the fintech launching a new savings feature, the restaurant opening a second branch in Lekki, the edtech selling JAMB prep, the event promoter filling a hall in Enugu. Many of them spend on Instagram and TikTok ads, and more and more of them spend on creators, because a creator's recommendation feels like a friend's recommendation and an ad doesn't.

Your job isn't to wait for the platform. Your job is to become the easiest, most trustworthy way for a brand to reach your audience.

The Nigerian brand-money map

Here's where creator money comes from in Nigeria, roughly ordered from easiest to land to hardest:

The seven types of deal

Know the names, because brands will use them and you'll price them differently (Chapter 3):

1. Sponsored post or video. One piece of content on your page about the brand.
2. Story / status. Disappears in 24 hours. Cheaper, often bundled.
3. Post + story combo. The most common small-brand package.
4. Bundle. For example, three posts over a month. You give a discount for the volume.
5. UGC (user-generated content). You make the video, the brand posts it or runs it as an ad. You're selling production, not your audience. This is great for creators with small followings but good skills.
6. Ambassador / retainer. A monthly fee for a set number of posts plus exclusivity. This is the goal of Chapter 11.
7. Affiliate / referral. You earn a commission per sale or signup through your code or link. It's fine on its own, but don't accept commission-only in place of a fee unless you've tested the product and trust that it converts.

Add-ons you'll sell on top: usage rights (the brand runs your video as a paid ad), exclusivity (you won't work with competitors for a period), rush delivery, and raw files.

The red-line list

This is the short list of deals this book won't help you price, and that I'd strongly suggest you refuse, however good the money looks:

• Betting, sportsbooks, "predictions" and lottery apps. The rules around these are strict, their audiences include minors, and many payment providers and banks treat money linked to them as high-risk.
• Crypto tokens, "trading platforms", forex and signal groups. Nigeria saw several large platform collapses in recent years in which ordinary people lost their savings. Creators who promoted them took the blame and sometimes the legal heat. "I was just paid to post" isn't a defence your audience will accept.
• "Investment" and "double your money" schemes, including anything that pays "daily returns."
• Gift-card trading and "card" businesses.
• Loan apps you can't verify. Digital lenders in Nigeria must be registered with the Federal Competition and Consumer Protection Commission (FCCPC). Some apps have harassed borrowers and their contacts. If a lender isn't on the FCCPC's approved list, don't promote it.
• Multi-level marketing ("build your downline").
• Unapproved health products and "miracle" cures. Products that need NAFDAC registration should show it. Ask for the NAFDAC number and check it.
• Anything that would embarrass you if a journalist screenshotted it.

Why so strict? Three reasons:

1. Your audience. They trust you. A brand deal rents that trust. Rent it to a scheme that steals their money and you'll never get it back.
2. Your bank account. Money from high-risk sources gets accounts flagged, restricted or frozen. Chapter 9 explains how much a frozen account costs a creator.
3. Your future deals. Serious brands look at who else you've promoted. One "double your money" post can quietly cost you every fintech and bank deal that comes after it.

🧮 Illustrative numbers. Say a betting app offers ₦150,000 for three posts, and a skincare brand offers ₦45,000 for one. The betting deal looks three times better. But if it costs you even two later deals from mainstream brands, or a month with your account under review, it was the more expensive choice. Measure a deal by what it does to the next twelve months, not this week.

The mindset shift: you're selling a media service

When a brand pays you, it isn't doing you a favour or "supporting" you. It's buying a media service: attention from a specific group of people, delivered in a format that works, with proof afterwards. That's a business transaction, and it has:

• a price (Chapter 3),
• a product description (your media kit, Chapter 4),
• sales (Chapters 5–7),
• terms (Chapter 8),
• payment (Chapter 9),
• delivery and reporting (Chapter 10).

Creators who treat this as business get repeat deals. Creators who treat it as luck get one deal and a long silence.

📋 Do this now: your money map. Write down:

1. Which three rows of the money-map table fit your page best?
2. Which three deal types could you deliver this month with what you already have?
3. Name five businesses you've already mentioned for free in your content. (These are your warmest leads. You'll use them in Chapter 5.)