Payment Channels & Settlement
Cash, card, transfer, POS, wallet, and credit — collected, settled, pending.
Collected today
₦42.8M
Card share
48%
Pending settlement
₦6.6M
Failed attempts
8
Payment mix
Card48%
Cash22%
Bank Transfer12%
POS Terminal8%
Wallet6%
Channel breakdown
Card48%
₦20.5M
Cash22%
₦9.4M
Bank Transfer12%
₦5.1M
POS Terminal8%
₦3.4M
Wallet6%
₦2.6M
Credit Customer4%
₦1.7M
Settlement status board
| Channel | Settled today | Pending | Next window | Status |
|---|---|---|---|---|
| Card (Interswitch) | ₦15.7M | ₦4.8M | T+1 | On schedule |
| Bank Transfer (GTB) | ₦3.7M | ₦1.4M | Today | 3 pending |
| POS Terminal (Moniepoint) | ₦3.1M | ₦320.0k | T+1 | On schedule |
| Wallet (OPay) | ₦2.5M | ₦88.0k | T+0 | Delayed |
Branch payment mix (₦M)
| Branch | Card | Cash | Transfer | Wallet |
|---|---|---|---|---|
| Wuse 2 | 10.4 | 2.8 | 3.2 | 2.0 |
| Gwarinpa | 7.6 | 3.2 | 2.4 | 1.0 |
| Apo | 2.5 | 3.4 | 2.6 | 1.7 |
Channel trend · 7d
MTWTFSS
OPay wallet — 2 failed reconciliations pending investigation
GTB transfer — 3 unconfirmed receipts (₦1.4M)
Processed value
₦47.2M+5.8%
Success rate
97.4%+0.6pp
Avg latency
3.2s-0.4s
Failed tx
142
Chargebacks
6
Unsettled
₦3.4M
Operational workspace — what is happening
Processor performance register
Today| Processor | Volume | Value | Success | Latency | Settlement |
|---|---|---|---|---|---|
| Moniepoint | 612 | ₦18.4M | 98.2% | 2.8s | T+1 |
| Paystack | 484 | ₦12.1M | 97.8% | 3.1s | T+1 |
| Flutterwave | 318 | ₦8.6M | 96.4% | 3.9s | T+2 |
| Bank transfer | 204 | ₦6.2M | 99.1% | 1.4s | Instant |
| OPay wallet | 162 | ₦1.9M | 94.8% | 4.6s | T+1 |
Settlement timeline
Live feed- Batch closed18:00₦18.4M queued for T+1 settlement
- Failed settlement15:40Flutterwave batch · ₦1.2M retrying
- Chargeback received12:10₦42,000 · card dispute
- Settlement received09:30Yesterday's Paystack batch cleared
- Gateway health check08:00All processors responding
Payment operations queue
6 in queueRetry failed settlement
Flutterwave · ₦1.2M
Dispute chargeback
₦42,000 · evidence due
Review OPay success rate
94.8% · below SLA
Reconcile unsettled balance
₦3.4M
Processor fee review
Quarterly
Terminal certificate renewal
Two lanes
Analytics workspace — why is it happening
Processed value vs success rate
7 daysMonTueWedThuFriSatSun
Channel mix
Card44%
Cash24%
Transfer18%
Wallet10%
Credit4%
Failure reasons
TimeoutInsuf. fundsDeclinedNetworkOther
Processor success rate (%)
Ranked#1
Bank transfer
99
#2
Moniepoint
98
#3
Paystack
98
#4
Flutterwave
96
#5
OPay wallet
95
Payment heat map by branch / channel
Heat map| Card | Cash | Transfer | Wallet | Credit | |
|---|---|---|---|---|---|
| Wuse 2 | 48 | 20 | 18 | 10 | 4 |
| Gwarinpa | 42 | 28 | 18 | 9 | 3 |
| Apo | 34 | 34 | 20 | 8 | 4 |
Latency vs success rate
CorrelationSettlement forecast
Comparative| Batch | Value | Expected | Status |
|---|---|---|---|
| Moniepoint T+1 | ₦18.4M | Tomorrow 10:00 | On track |
| Paystack T+1 | ₦12.1M | Tomorrow 11:00 | On track |
| Flutterwave T+2 | ₦8.6M | Thursday | Delayed |
| Wallet T+1 | ₦1.9M | Tomorrow 14:00 | On track |
Management workspace — exceptions & approvals
Exception centre
3 openFlutterwave settlement failureFinance
₦1.2M batch failed and is on automatic retry; T+2 terms already slowest in the mix.
OPay success rate below SLAPayments
94.8% against a 97% contractual minimum.
Timeout failures risingIT
48 timeout events today, the largest single failure reason.
Pending approvals
Awaiting sign-off- ReviewProcessor mix rebalanceShift volume to Moniepoint
- ReviewChargeback dispute filing₦42,000
- ReviewNetwork upgrade at Apo₦1.4M capex
Manager action queue
Assigned| Action | Owner | Due | Priority |
|---|---|---|---|
| Chase the failed Flutterwave settlement | Finance | Today | High |
| Raise an SLA breach with OPay | Payments | This week | Medium |
| Investigate timeout root cause | IT | This week | Medium |
| Model a processor mix rebalance | Finance | Next week | Low |
Escalations
Routed upwardSettlement reliabilityEscalated
Delayed batches are affecting working capital planning.
Settlement reconciliation workspace
· Cycle 03 Aug 2026- Expected settlement · ₦84.2MComputedAll card and transfer collections for 02 Aug
- Received settlement · ₦83.6MReceivedMoniepoint ₦41.2M · Paystack ₦28.4M · GTB POS ₦14.0M
- Processor fees · ₦418kDeducted0.5% blended rate applied
- Withholding tax · ₦96kDeductedRemitted by the processor
- Variance · ₦588kUnder review62 transactions unmatched to bank entries
- Matched transactions · 4,812Confirmed98.7% auto-matched on reference
- Unmatched transactions · 62OpenAwaiting the processor reference file
- Dispute escalationNot raisedEscalate if unresolved after 48 hours