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.

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.

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

1. 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

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.

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

📌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

1. 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

📌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

1. 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

1. 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

📌Click Reset Filter to clear all applied filters and return to the full list.