ALTON Raises Alarm Over Airtime Credit Dispute, Says N400bn Market at Risk

Nigeria’s airtime credit market is facing fresh uncertainty as industry players push for urgent intervention. The concern follows an ongoing regulatory dispute that operators say is beginning to shake confidence across the sector.

At the centre of the issue is a clash between the Association of Licensed Telecoms Operators of Nigeria (ALTON) and regulators, particularly the Federal Competition and Consumer Protection Commission and the Nigerian Communications Commission.

Although court orders already exist, operators insist the disruption continues to affect businesses and consumers alike.

A market under pressure

The airtime credit market Nigeria relies heavily on everyday users. It serves traders, artisans, and small business owners who need quick access to communication services.

However, tension between regulators has slowed operations. As a result, industry leaders warn that the situation now goes beyond policy disagreement.

Speaking on the issue, ALTON Chairman, Gbenga Adebayo, stressed the seriousness of the moment.

“What is happening in the airtime credit market is not simply a dispute between regulators. It is a test of whether the structures that underpin business confidence in this country are functioning as they should. Court orders have been issued, businesses hold valid licences, and consumers are still being affected. We believe all parties have a responsibility to bring this to an orderly resolution,” he said.

His comments highlight a deeper concern. The dispute now reflects gaps in coordination between institutions that oversee the telecom space.

Why the airtime credit market matters

The airtime credit market Nigeria is not a small segment. Estimates place its value between N300 billion and N400 billion annually.

More importantly, it acts as an informal credit system. Millions depend on it daily, especially those without access to traditional banking.

Adebayo explained this role clearly.“The airtime credit market serves as an informal credit mechanism for millions of Nigerians, particularly traders, artisans, and small-scale entrepreneurs who depend on short-term airtime advances to sustain daily economic activity in the absence of accessible formal credit. The market is estimated to be worth between N300 billion and N400 billion annually,” he added.

Yet, despite its importance, licensed providers remain affected. Some belong to the Wireless Application Service Providers Association of Nigeria, while others operate independently.

Court orders, yet no clarity

Court rulings have already attempted to stabilise the market. Federal High Courts in Lagos and Abuja issued orders to prevent interference in the operations of licensed providers.

Still, operators say uncertainty remains. The continued disruption suggests that regulatory actions and judicial directives are not fully aligned.

At the heart of the conflict lies a jurisdictional question. The NCC claims authority over telecom services, including value-added services. Meanwhile, the FCCPC maintains oversight on consumer protection and competition.

This overlap has created confusion. Consequently, businesses struggle to operate with certainty.