Amount Format

All amounts passed to the Udara360 API must be provided in their base currency unit. For Nigerian Naira, the base currency unit is kobo, not naira.

This applies to every endpoint that accepts or returns an amount value.

How It Works

Nigeria's currency has two units:

• Naira: the main unit (like how you'd write it on a receipt)

• Kobo: the smallest unit. There are 100 kobo in 1 naira.

The Udara360 API works exclusively in kobo. This means before passing any amount in a request, you must convert it from naira to kobo by multiplying by 100.

Conversion Formula

Amount in Kobo = Amount in Naira × 100

Examples

Amount in Naira	Amount to Pass in API (Kobo)
₦5,000.50	500050
₦1,000.00	100000
₦250,000.00	25000000
₦50.00	5000
₦0.50	50

What This Looks Like in a Request

If you want to transfer ₦5,000.50, your request body should look like this:

json

{
  "amount": 500050
}

Not like this:

json

{
  "amount": 5000.50
}

⚠️Important: Passing amounts in naira instead of kobo is one of the most common integration errors. Always convert to kobo before sending any amount to the API. Passing the wrong format will result in incorrect transaction values.

💡Tip: Handle the conversion on your server side. Multiply the naira amount by 100 before passing it to any API request. When displaying amounts to end users, divide the kobo value by 100 to convert back to naira.