CBN gives PoS terminal providers one month to connect system to NIBSS and UPSL

CBN gives PoS terminal providers one month to connect system to NIBSS and UPSL

The Central bank of Nigeria (CBN) has directed all acquirers, processors, and payment Terminal service companies (PTSPs) to put into effect twin connectivity for factor of sale (PoS) transactions within one month, as part of efforts to bolster transaction reliability and decrease carrier disruptions.

In a round dated December 11, 2025, signed by Rakiya Yusuf, the CBN’s director of the payments machine supervision branch, the apex financial institution said: “mandatory dual Connectivity –All Acquirers, Processors, and charge Terminal provider vendors (PTSPs) shall set up and keep active connectivity with both licensed payments Terminal carrier Aggregators (PTSAs), specifically the Nigeria Inter-financial institution agreement gadget (NIBSS) and Unified fee offerings restricted (u.s.a.).”

The directive also calls for that each one transaction routing systems be integrated with each aggregators to make sure uninterrupted processing and automated failover each time one platform reviews downtime. The CBN explained that routing systems must be capable of switch seamlessly between the 2 providers to prevent transaction disasters at some stage in disruptions.

To make sure the redundancy works correctly, the CBN further mandated periodic checking out. It said: “testing & Validation – NIBSS and united states of america, in collaboration with regulated monetary institutions, shall conduct periodic tests to validate redundancy, failover effectiveness, and common system resilience.”

The apex bank also informed each NIBSS and u.s. to provide instantaneous observe of any disruption and observe up with formal reporting to the regulator. in line with the circular: “NIBSS and united states are required to notify Director, payments machine Supervision branch, of any device downtime or provider disruption affecting its platforms and offerings inside 24 hours of the prevalence, mentioning the character, reasons and remedied movements.”

The CBN introduced that every one regulated economic establishments ought to meet the deadline, stressing that they’re required to “follow this directive within one (1) month from the date of this round”.