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National Payment Stack (NPS)

Powering Payments. Connecting Nigeria.
NPS by NIBSS — One Platform for All Your Digital Transactions
Built for today. Ready for tomorrow.

Learn More

What Is NPS

One Network. Every Payment.

The National Payment System (NPS) is a secure, unified digital platform developed by NIBSS to simplify, accelerate, and democratize payments across Nigeria and beyond. Whether it’s transferring ₦500 to a loved one or processing multi-million-naira disbursements, NPS ensures instant, seamless, and safe transactions anytime, anywhere.

Real-Time Settlement

Immediate processing for better liquidity and confidence

Cross-Border Compatibility

Seamless local and international payments

Smart Risk Scoring

Flags high-risk transactions in-flight using color-coded indicators

AI-Powered Fraud Prevention

Continuous monitoring to detect and prevent risks

APIs & Open Banking Ready

Built to support modern fintech integration

Integrated Digital Identity

Enables safe and verified participation

ISO 20022 Messaging Standard

Structured, rich data that enhances automation, accuracy, and global interoperability
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End-to-End Payment Traceability

Track every transaction from origin to destination with full transparency

Insights & Analytics Tools

Real-time dashboards and reports that drive smarter decisions and compliance

Why It Matters

Inclusive. Interoperable. Intelligent.

NPS brings together financial institutions, fintechs, telcos, government MDAs, and consumers into a single ecosystem. It’s built to:

  • Deepen financial inclusion by connecting the unbanked and underbanked

  • Improve social benefit disbursement, tax collection, and revenue tracking

  • Enable secure, real-time payments with built-in fraud detection

  • Support both domestic and cross-border transactions

  • Power an innovation-ready infrastructure aligned with Nigeria’s digital economy goals

Built for Nigeria, Connected to the World

NPS is designed with Nigeria’s needs at its core, but with a global view. From rural towns to urban tech hubs, from smallholder farmers to digital banks, NPS ensures no one is left behind. It’s a sovereign, scalable, and standards-aligned platform — ready to power a ₦1 trillion+ economy.

Recognized. Reported. Respected.

Making headlines across Nigeria’s top business and tech publications.

The National Payment System (NPS) is being recognized as a transformative leap for Nigeria’s digital economy. From instant payments to financial inclusion, top publications are spotlighting its nationwide impact.

What is NPS, and why is it important?
NPS is a payment infrastructure based on ISO 20022 messaging standard. It enables faster, smarter, and more secure payments with richer transaction data, transparency, and better integration capabilities.
How is NPS different from the existing payment system?

Compared to the old rails, NPS:

  1. Allows rich data like invoice numbers, customer references, and payment purpose
  2. Enables bulk and single payments
  3. Supports advanced services like reversals, refunds, direct debit, and Request-to-Pay (R2P)
  4. Offers real-time insights into settlement positions
  5. Supports multi-currency transactions on a single rail.
  6. Support for cross-border payment, enabling inter-operability between payment systems
What are the benefits of NPS for individuals and businesses?
  1. Better transaction clarity (who paid, why, for what)
  2. Faster dispute resolution and refunds
  3. Easier reconciliation for merchants, fintechs, and businesses
  4. Seamless bulk payments and recurring debit options
Can I make both single and bulk payments on NPS?

Yes. NPS supports both single and multiple transactions in one request. This makes it perfect for businesses that need to pay many vendors or employees in one go.

How does KYC work with NPS

NPS supports KYC checks for:

  1. Individuals using BVN
  2. Businesses using RC Number or TIN
    These checks can be done as single requests or in
    bulk, helping institutions verify identities quickly
    and securely.
Can NPS support recurring or authorized debits?

Yes. NPS has dedicated support for:

  1. Direct Debit – for recurring bills or subscriptions
  2. Request-to-Pay (R2P) – where a payment request is sent and the customer authorizes the debit
How does NPS handle disputes or refunds?

NPS includes a dedicated service for:

  1. Raising disputes
  2. Institutions can initiate transaction cancellation request
  3. Institutions can initiate transaction return request
  4. Handling reversals
  5. Processing partial or full merchant refunds
  6. Users can also track and manage bulk dispute requests via the dispute portal.
Will NPS settle transactions instantly?

Yes, NPS supports real-time payments, just like the current NIP system — but with more intelligence and tracking capabilities.

Can banks view their real-time settlement positions?

Yes. Banks and their sponsor institutions will have instant, real-time visibility of their:

  1. Settlement positions
  2. Transaction volumes and values
  3. Participant-level balances
    This greatly improves treasury and liquidity management
How will reconciliation be improved with NPS?

Each transaction now includes:

  1. End-to-End ID – tracks a payment from sender toreceiver
  2. Transaction ID – generated by NPS
  3. Instructed ID – set by you or your system (e.g.,invoice number)

These make reconciliation between payment platforms, ERP systems, and accounting software accurate and automated

Will I need to re- integrate if I’m already on NIP?

Yes. NPS is a separate infrastructure with a different messaging format (ISO 20022 XML). However, integration has been made simple, and migration support is available.

Is a sandbox available for integration?

Yes! A robust sandbox is available and includes:

  1. Sample ISO 20022 messages
  2. Testing libraries and payload generators

End-to-end workflow simulation
Most partners can now complete integration in as little as 48 hours

Is NPS compatible with international payment systems?

Yes. NPS follows the ISO 20022 global standard, making it easier to connect with other countries’ systems and facilitate cross-border payments.

Can I test my integration before going live
Yes. You must pass sandbox testing, schema validation, and sample scenarios before being certified. Tools like Postman, XML editors, and test scripts are available to assist you.
Can I track historical transactions or raise bulk disputes?

Yes. The dispute platform supports:

  1. Historical transaction lookup
  2. Single and bulk dispute filing across institutions This improves transparency and speeds up resolution timelines
Can NPS support recurring or authorized debits?

Yes. NPS has dedicated support for:

  1. Direct Debit – for recurring bills or subscriptions
  2. Request-to-Pay (R2P) – where a payment request is sent and the customer authorizes the debit
How does NPS handle disputes or refunds?

NPS includes a dedicated service for:

  • Raising disputes
  • Institutions can initiate transaction cancellation request
  • Institutions can initiate transaction return request
  • Handling reversals
  • Processing partial or full merchant refunds
  • Users can also track and manage bulk dispute requests via the dispute portal.
Will NPS settle transactions instantly?

Yes, NPS supports real-time payments, just like the current NIP system — but with more intelligence and tracking capabilities.

Is there a dashboard for monitoring my activity?

Yes. Once certified, participants receive access to a dashboard showing:

  1. Real-time transaction logs
  2. Success and failure rates
  3. Dispute tracking
  4. Settlement insights
Want to know more about NPS?

Please visit our website nibss-plc.com.ng for more information and materials.