Banking and Digital Payments

Overview

Payment processing and banking relationships in Nigeria sit under active CBN oversight, and the rules governing how money moves — gateway structuring, settlement, merchant risk — change faster than most compliance teams can track alone. Graypatch works directly with banks, payment service providers, and digital platforms to keep pace with regulatory expectations while structuring the commercial side of how payments actually flow. Recent work has included negotiating settlement agreements between switching companies and merchant banks, and advising on CBN's cybersecurity and fraud-reporting directives for payment service banks.