PTSA evidence due 31 July 2026

Every agent you don't own is working for your competitor.

Under CBN's single-principal rules, an agent belongs to one Principal until contract expiry. If your customers are cashing in and out at somebody else's agent, those are deposits you don't hold — and a borrower you'll never see.

Book a 30-minute review → See the deadlines

What is the leak costing you?

Set the sliders to your catchment. Defaults reflect the national average.

Deposits sitting on a competitor's balance sheet
₦3.8m
agent float you could be holding, but aren't
Monthly throughput you don't touch₦16.5m
Fee income foregone, per year₦990k

Defaults: average agent throughput of ₦1.1m/month is derived from CBN/NIBSS reported PoS value of ₦18.78trn in Q1 2026 across ~5.9m active agents. Float, catchment size, capturable share and margin are your assumptions — change them. Illustrative only; not a forecast or a representation by UCARD. Bring your own numbers and we'll model it properly on the call.

What Changed

Distribution used to be rented. Now it has to be owned.

The 2025 Agent Banking Guidelines superseded the 2013 rules and the 2015 Super-Agent framework entirely. Read the changes together and they point one way.

Before · pre-April 2026
One agent served several networks at once. Institutions free-rode on shared agent footprints. Terminals moved freely with little traceability.

Renting distribution was fine.
Now · post-April 2026
One Principal, one Super Agent, switchable only at contract expiry. Terminals geo-fenced, PTSA-routed and GPS-tagged, or they cannot transact.

Distribution must be owned to exist.
The Regulatory Clock

Waiting is not a neutral choice.

Every agent signed to another Principal is locked there until their contract expires. The window to recruit is now.

Oct 2025

New Agent Banking Guidelines

Supersede the 2013 guidelines and the 2015 Super-Agent framework.

Apr 2026

Single-principal in force

Agents tied to one Principal and one Super Agent. Switch only at contract expiry.

31 Jul 2026

PTSA evidence due

Terminals must route to a PTSA with GPS coordinates, or they cannot transact.

Dec 2026

Market-share cap bites

Consumer-issuing share caps merchant acquiring. The largest networks must shed share — and their agents.

What We Hear

The four reasons institutions do nothing.

And why each of them costs more than acting.

"Our customers already use the big agent networks."
That network is not your channel. It is an institution taking your deposits and your borrowers — and now, under exclusivity, keeping them.
"Agency banking isn't our core business."
It is where your customers now transact. Agent density is higher than any branch network in the country. The counter has moved; the question is whose counter it is.
"We have no budget and no IT team."
Paystation is hosted, deployed in weeks, with compliance built in. No IT team required, and no core to build.
"We'll look at it after the deadline."
Waiting is not neutral. Every agent signed elsewhere is locked until contract expiry — you are not deferring the decision, you are losing the asset.
Principal-in-a-Box

Everything a Principal needs. Nothing to build.

Paystation ships with the compliance stack no second-tier institution should have to build for itself — and the product shelf that makes an agent worth having.

Single-principal compliance

Dedicated agent accounts, exclusive-tie enforcement, and contract-expiry tracking built into the rail.

Geo-fencing & PTSA routing

GPS-tagged terminals routed to a PTSA, with the evidence trail the regulator now asks for.

Agent due diligence

BVN and NIN verification, tiering, and onboarding records held to the standard the guidelines require.

Float, commissions, settlement

Real-time float management, automated commissions, and reconciliation your finance team can audit.

7-day complaint SLA

Complaint capture, tracking, and resolution inside the window the guidelines mandate.

More for the agent to sell

Savings, loans, asset finance, insurance and pensions on the same rail. Agent income has fallen sharply — more products per agent is how it recovers.

Bring us your numbers.

Thirty minutes. We'll map the agents in your catchment, size the leak against your own figures, and show you exactly what it takes to be single-principal compliant before the deadline.

Book a 30-minute review →

Or email info@ucard.store