> For the complete documentation index, see [llms.txt](https://docs.udara360.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.udara360.io/core-features/e-channels/interbank-transfer/configurations.md). # Configurations The Configurations page is where you manage all the settings that govern how interbank transfers operate within Udara360. From a single page, you can activate or deactivate transfer channels, define fee structures for each gateway, set up settlement GL accounts, configure EasyPay mandates, manage gateway credentials, and switch the active transfer gateway. Each setting is accessible from the left-side navigation menu within the page. This guide will walk you through every configuration option available. #### Key features * Activate / Deactivate Inward & Outward Transfer * Activate / Deactivate Outward Transfer * Fee Configuration Setup * Settlement GL Setup * Switch Transfer Gateway * Setup EasyPay Mandate * Configure Interbank Profile * Manage Gateway Credentials * Gateway Settlement Account Setup ## Accessing Configurations 1. Log into the application using your credentials. 2. From the dashboard, navigate to **E-Channels** in the side menu. 3. Expand **Interbank Transfer** and Select **Configuration** from the dropdown list ## Configuration Features ### Activate / Deactivate Inward & Outward Transfers This setting controls whether both inward and outward interbank transfers are active across Udara360. Toggling this off affects both directions simultaneously. {% hint style="info" %} This action affects both Inward and Outward transfers at the same time. To deactivate only outward transfers, use the Activate / Deactivate Outward Transfers section instead. {% endhint %} 1. Select **Activate / Deactivate Inward & Outward Transfers** from the left-side menu 2. Toggle the Interbank Payment **switch on or off** 3. Click **Update** to apply the change
### Activate / Deactivate Outward Transfers This setting allows you to activate or deactivate outward interbank transfers specifically, across all channels, without affecting inward transfers. 1. Select **Activate / Deactivate Outward Transfers** from the left-side menu 2. Toggle the Interbank Transfer **switch on or off** 3. Click **Update** to apply the change
### Fee Configuration Setup This section allows you to define the fees charged on outward interbank transfers, organised into tiers based on transaction amount. Each tier specifies the transfer range and the corresponding fees and GL accounts that apply. 1. Select **Fee Configuration Setup** from the left-side menu 2. Select the **Gateway Provider** from the dropdown; options include **NIP**, **CoralPay**, **ISW**, and **ETZ** 3. For each **fee tier**, fill in the following fields: | Field | Description | | ------------------------- | ---------------------------------------------------- | | Transfer Amount (Minimum) | The lower limit of the transfer amount for this tier | | Transfer Amount (Maximum) | The upper limit of the transfer amount for this tier | | Gateway Fee | The fee charged by the transfer gateway | | Gateway Fee GL | The GL account where gateway fees are recorded | | Institution Fee | The fee charged by your institution | | Bank Income GL | The GL account where institution income is recorded | | VAT Charge | The VAT amount applicable to this tier | | VAT GL Account | The GL account where VAT is recorded | 4. Click **Update** to save the configuration #### Adding a New Fee Tier 1. Click the **Add button** at the top right of the Fee Configuration Setup section 2. Fill in all required fields for the new tier 3. Click Update to **save** {% hint style="info" %} Fee tiers must not overlap. Each tier should cover a distinct transfer amount range; for example, ₦1 to ₦5,000 for Tier 1, ₦5,001 to ₦50,000 for Tier 2, and so on. {% endhint %}
### Settlement GL Setup This section allows you to configure the General Ledger accounts used for settling inward and outward interbank transfers per gateway provider. #### Adding a Settlement GL Configuration 1. Select **Settlement GL Setup** from the left-side menu 2. Click the **Add button** at the top of the section 3. Select the **Gateway Provider** from the dropdown 4. Enter the **Inward Transfers Settlement GL** 5. Enter the **Outward Transfers Settlement GL** 6. Enter the **Outward Transfers Expense GL** 7. Click **Save** to apply the configuration
### Switch Transfer Gateway This section allows you to change the active gateway used to process outward interbank transfers. Only one gateway can be active at a time. 1. Select **Switch Transfer Gateway** from the left-side menu 2. Select your preferred gateway; **NIP, CoralPay, ISW,** or **ETZ** 3. Click **Switch** to apply the change
> :pushpin:The currently active gateway is highlighted. Switching gateways takes effect immediately. ### Setup EasyPay Mandate This section allows you to configure and manage EasyPay mandates used for interbank transfer processing. Each mandate links a biller to a specific bank account and NIP code. #### Adding an EasyPay Mandate 1. Select **Setup EasyPay Mandate** from the left-side menu 2. Click the **Add** button at the top of the section 3. Fill in the following fields in the **Create EasyPay Mandate form:** * **EasyPay Biller ID** - not more than 4 digits * **EasyPay Mandate Ref** - not more than 30 characters * EasyPay Mandate **Account BVN** * EasyPay Mandate **Account Name** * EasyPay Mandate **Account Number** * **EasyPay Mandate Bank** - select from the dropdown * EasyPay Mandate Bank **NIP Code** 4. Click **Save** to create the mandate
#### Managing an EasyPay Mandate 1. In the **Actions** column, click the three vertical dots (⋮) next to the mandate you want to action 2. Select **View** to see the full mandate details, or 3. **Modify** to update the mandate #### Filtering the Records 1. Click the **Filter button** at the top right of the section 2. Enter your preferred filter criteria 3. Click **Apply** to display the filtered results
> :pushpin:Click **Reset Filter** to clear all applied filters and return to the full list. ### Configure Interbank Profile This section holds the core institutional settings used to identify your bank across interbank transfer networks and gateways. These fields are set during initial configuration and updated here when any institutional details change. 1. Select **Configure Interbank** Profile from the left-side menu 2. Click **Edit** to make changes to the profile 3. Update the relevant fields: | Field | Description | | ------------------------------------------------ | ----------------------------------------------------------------------------------------------------------- | | Name | Your institution's name | | NIP Institution Code | Your institution's NIP identifier | | Branch Code | The branch code used for interbank transactions | | Inward Entry Code | The entry code applied to inward transfers | | Outward Transfer Entry Code | The entry code applied to outward transfers | | Outward Transfer Fee Entry Code | The entry code applied to outward transfer fees | | Expense GL | The GL account used for interbank expenses | | NIP Inward Max-Retry | The maximum number of retry attempts for inward NIP transactions | | Select NIP Mode | The NIP processing mode, e.g. EasyPay | | ISW Institution Code | Your institution code on the ISW network | | Habari Institution Code | Your institution code on the Habari network | | eTranzact Institution Code | Your institution code on the eTranzact network | | Remita Institution Code | Your institution code on the Remita network | | Stamp Duty Entry Code | The entry code used for stamp duty | | Allow Outward Transfer Fee Override From API | If enabled, the fee configured on Open API will be used for API transfers instead of the global gateway fee | | Ignore Account Status Check For Inward Transfers | If enabled, inward credits will be applied even when the destination account is inactive | | | | 4. Click **Save** to apply the changes
### Manage Gateway Credentials This section allows you to view and manage the authentication credentials used to connect Udara360 to each interbank transfer gateway. 1. Select **Manage Gateway Credentials** from the left-side menu 2. Select the **Gateway Provider** from the dropdown; options include **NIP, CoralPay, ISW,** and **ETZ** 3. Update the credentials for the selected gateway as required 4. Click **Save** to apply the changes
### Gateway Settlement Account Setup This section allows you to configure the bank accounts used to settle interbank transfer transactions per gateway. Each account is tied to a specific gateway and settlement mode. #### Adding a Gateway Settlement Account 1. Select **Gateway Settlement Account** Setup from the left-side menu 2. Click the **Add** button at the top of the section 3. Fill in the following fields in the Add Gateway Settlement Account form: * Select the **Gateway** from the dropdown * Enter the **Account Number** * Enter the **Account Name** * Select the Transfer Settlement Mode; **FlexibleLocalBank** or **FlexibleInterBank** 4. Click **Save** to create the account
#### Managing a Settlement Account 1. In the **Actions** column, click the three vertical dots (⋮) next to the account you want to action 2. Select **View** to see the full account details, or 3. **Modify** to update the account, or 4. **Apply Gateway Settlement Account** to activate it for settlement #### Filtering the Records 1. Click the **Filter** button at the top right of the section 2. Enter your preferred filter criteria 3. Click **Apply** to display the filtered results
> :pushpin:Click **Reset** **Filter** to clear all applied filters and return to the full list.