PTSA evidence due 31 July 2026

Compliance isn't a feature. It's the product.

The 2025 Agent Banking Guidelines superseded the 2013 rules and the 2015 Super-Agent framework entirely. Meeting them is now the cost of running an agent network at all — and no second-tier institution should have to build that stack for itself. Paystation ships with it.

What Changed

The rules that rewrote distribution.

Read individually, each change is an operational nuisance. Read together, they say one thing: an agent network must be owned to exist.

Area	Before	Now
Agent exclusivity	One agent served several networks at once.	One Principal, one Super Agent. Switchable only at contract expiry.
Terminals	Moved freely, limited traceability.	Geo-fenced and GPS-tagged. Off-location terminals cannot transact.
Settlement	Routing largely at the operator's discretion.	Routed to a PTSA, with evidence due 31 July 2026.
Agent accounts	Commingling common.	Dedicated agent accounts, separated from personal funds.
Due diligence	Light-touch onboarding.	BVN and NIN verification, tiering, and retained records.
Complaints	No binding standard.	Resolution within a 7-day service window.

Principal-in-a-Box

The compliance stack, shipped as product.

Everything a licensed Principal must be able to evidence — built into the rail, not bolted on afterwards.

Single-principal enforcement

Exclusive agent ties enforced in the data model, with contract-expiry tracking so you know exactly when a competitor's agent becomes recruitable.

Geo-fencing & GPS tagging

Every terminal bound to its registered location. Off-location devices are blocked, and the movement trail is retained for audit.

PTSA routing & evidence

Transactions routed to a PTSA with the coordinate data and reporting trail the regulator now asks institutions to produce.

Agent due diligence

BVN and NIN verification at onboarding, agent tiering, and retained KYC records held to the standard the guidelines require.

Dedicated agent accounts

Agent float held separately from personal funds, with real-time balances, automated commissions, and auditable reconciliation.

7-day complaint SLA

Complaint capture, routing, and resolution tracked inside the mandated window, with the record to prove it.

Readiness Check

Can your network evidence all six?

Tick what your institution can demonstrate to a regulator today.

Agency banking readiness

Nothing is submitted or stored. This runs entirely in your browser.

Every agent is tied to a single PrincipalAnd you can produce the contract and its expiry date. Every terminal is geo-fenced with GPS coordinatesOff-location devices are blocked, not just flagged. Transactions route to a PTSA, with evidenceDue 31 July 2026. Unrouted terminals cannot transact. Agents hold dedicated accountsFloat is separated from personal funds and reconciles. BVN and NIN verified for every agentWith retained records and tiering. Complaints resolve inside 7 daysAnd you can evidence the resolution trail.

Readiness

0 of 6

Tick the boxes above to see where you stand.

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Regulatory Standing

Where UCARD stands.

We are a software and infrastructure provider. The licences to operate as a bank, agent, or financial institution are held by our clients — our role is to give them systems that stand up to supervision.

Item	Status
CAC registration (UCARD Innovations Limited)	Registered · RC 7072519
CBN microfinance framework alignment (platform)	Supported
2025 Agent Banking Guidelines	Paystation compliant-ready
Single-principal directive	Enforced in-platform
NIBSS integration	Supported
NDPR data protection	Aligned — see Privacy Policy

On transparency. Where a registration or capability is in progress rather than complete, we say so plainly. Compliance and legal teams conducting vendor due diligence can request our compliance pack, data-processing terms, and available certificates — contact our team and we will provide what we can share.

Data protection. Customer and transaction data belongs to the institution, not to UCARD. We act as a data processor, with encryption in transit and at rest, role-based access control, and audit logging. Full detail in our Privacy Policy and Terms of Service.