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Meta, the parent company of WhatsApp, will begin charging businesses for certain messages sent through the WhatsApp Business Platform from October 1, 2026.

The company announced the pricing change in a WhatsApp Business Platform update published in July 2026.

Under the new system, businesses will pay about N14 per service or qualifying utility message sent through the platform.

The charges will apply to companies using the official WhatsApp Business Platform, formerly known as the WhatsApp Business API, to manage customer conversations on a large scale.

Banks, fintechs, e-commerce companies, telecoms operators, logistics firms and large retailers that use the platform for customer service and transaction-related communication are among those that will be affected.

However, the new charges will not affect ordinary WhatsApp users or most small businesses using the standard WhatsApp Business app on their phones.

Currently, when a customer sends a message to a business, a 24-hour customer service window opens. During this period, businesses can respond with free-form service messages and certain utility messages without paying Meta.

From October 1, however, Meta will charge businesses on a per-message basis for service messages sent during the customer service window.

Meta said in its developer documentation, “Effective October 1, 2026, Meta will charge on a per-message basis for all service messages, consistent with how Meta charges for template messages. These messages have not been charged since November 1, 2024.”

The company added, “Effective October 1, 2026, Meta will charge on a per-message basis for utility messages sent in response to users (within an open 24-hour customer service window). These messages have not been charged since July 1, 2025.”

Utility messages include payment confirmations, order updates and delivery notifications.

Meta also warned businesses and Solution Providers to add a payment method before the new charges take effect.

It said, “For any Solution Provider or directly-integrated businesses that does not have a payment method on file by September 30, 2026, Meta will stop delivering service messages as of when they become charged on October 1, 2026.”

For Nigerian businesses, a chargeable utility or service message is expected to cost about $0.0101, equivalent to roughly N14 based on an exchange rate of about N1,340 to the dollar.

Marketing messages will cost more, at about $0.062 per message, or approximately N84 using the same exchange rate.

The charges are Meta’s fees and do not necessarily represent the total amount a business will pay. Companies using Business Solution Providers or third-party platforms to access the WhatsApp Business Platform may also face additional charges.

For instance, a Nigerian fintech sending 500,000 chargeable utility or service messages at $0.0101 per message would pay about $5,050 in Meta messaging fees alone.

At an exchange rate of N1,340 to the dollar, this amounts to approximately N6.8 million, excluding additional provider charges.

Although the cost per message is relatively small, the charges could significantly increase operating costs for businesses that send hundreds of thousands or millions of messages each month.

WhatsApp has become an important communication channel for Nigerian businesses, with banks and fintechs using it for customer support and transaction-related communication.

E-commerce, logistics and retail companies also use the platform for order updates, delivery notifications and other customer interactions.

The new pricing is part of Meta’s broader changes to WhatsApp Business, with the company gradually moving business messaging towards a per-message pricing model.

From October 1, previously free service messages and qualifying utility messages sent within an open 24-hour customer service window will become chargeable on the WhatsApp Business Platform.

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The Nigerian naira strengthened further against the United States dollar at the official foreign exchange market, reaching a five-month high of about ₦1,338.59 per dollar on Thursday, August 27, 2026.

The latest movement places the naira among the stronger-performing currencies in Nigeria’s foreign exchange market as improved dollar liquidity and rising external reserves continue to support the local currency.

For Friday, August 28, the latest available market data puts the dollar at around ₦1,341.66 per dollar, although the NFEM closing rate for the day will depend on trading activity and may differ from live indicative rates.

Recent official-market data had shown the naira at ₦1,343.59 per dollar on Wednesday, August 26, before strengthening further on Thursday. The improvement has been linked to sustained dollar liquidity and stronger external buffers.

In the parallel market, the dollar remained substantially higher than the official rate. AbokiFX-related market reports showed the greenback quoted around ₦1,400 to buy and ₦1,410 to sell on Thursday, August 27.

This means Nigerians looking to buy $1 in the parallel market would need about ₦1,410, while those selling $1 could receive around ₦1,400, depending on the dealer and location.

The gap between the official and parallel markets remains significant. Based on the latest indicative official rate of about ₦1,341.66 and a parallel-market selling rate of ₦1,410, the difference is approximately ₦68 per dollar.

The naira’s recent gains have coincided with a sharp improvement in Nigeria’s foreign-exchange reserves. It was reported that external reserves had risen to about $53.34 billion, an 18-year high, while improved dollar liquidity has helped ease pressure on the local currency.

For importers, travellers, students paying overseas tuition and businesses with dollar obligations, the exchange rate remains an important factor in determining the naira cost of foreign transactions.

However, the actual rate available to customers may differ from the NFEM benchmark or parallel-market quotation. Banks, Bureau de Change operators and other authorised dealers may apply different rates depending on the transaction, amount, location and prevailing market conditions.

Parallel-market rates are unofficial and can change several times during the day. The Central Bank of Nigeria does not recognise the parallel market as an official foreign-exchange market.

As of the morning of August 28, 2026, the dollar is therefore trading around ₦1,341.66 on the latest indicative market data, while parallel-market quotations remain around ₦1,400–₦1,410 per dollar.

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The Personal Pension Plan recorded a total of 219,316 registrations from inception to the first quarter of 2026, with only 18,811 accounts funded.

This is according to the first-quarter pension industry data released by the National Pension Commission.

The data showed that funded Retirement Savings Accounts accounted for 8.6 per cent of total PPP registrations, while 200,505 accounts, representing 91.4 per cent, remained unfunded.

The figures highlighted the significant challenge facing the PPP, particularly the need to convert registrations into active accounts with sustained pension contributions.

The data further showed that total contributions under the PPP stood at N1.66 billion from inception to the first quarter of 2026.

It also indicated a significant increase in quarterly contributions, with contributions rising from N103.30 million in the fourth quarter of 2025 to N147.16 million in the first quarter of 2026.

This represented an increase of N43.86 million or 42.46 per cent during the period.

The Personal Pension Plan is designed to enable self-employed persons and workers in the informal sector to participate in the Contributory Pension Scheme and build retirement savings.

NAN