@Obi_Ik That’s a great point: the issue is bigger than ecommerce and potentially more problematic where you have digital products rather than physical goods. Now I understand the PAYPAD idea more clearly…I think it’s a decent enough concept, getting it into enough households could be a challenge though, but it aligns with @logbon72’s view that people trust POS-type devices more than online payment gateways.
@logbon72 Sounds like trust of the service providers keeping their ‘promise’ could be as big an issue as, or potentially a bigger issue than, safety of bank/payment details. And good catch on POS/COD…I think POS on delivery has similar risks to pure cash on delivery at least as far as no buyer commitment though.
@Okeke_Arthur_Ugochuk Thanks for the correction. How would you “tl;dr” the original post? 
So some of this, especially @Obi_Ik’s contribution, has me thinking of how Uber Lagos is faring. They don’t do cash (I know Uber at large is testing this in Hyperabad) and users apparently trust them with card details upfront and with service delivery, but then again the whole ‘you only get charged once you reach your destination’ might mean it’s not a good comparison. But there’s probably lessons to be learned as far as getting a user base comfortable with online payments.