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This is Step 1 of 6 in the onboarding journey. View the full onboarding overview →

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What happens during registration?

Registration creates your partner account on the UBN BaaS platform. You provide your company’s basic information, agree to the platform terms, and submit the form. Within seconds, a verification email lands in your inbox and your account is created in PENDING_EMAIL_VERIFICATION status. Registration doesn’t give you API access yet. That comes after email verification, document upload, and compliance review. Think of this step as opening the front door. Getting fully approved to use the platform takes a few more steps, but this is where it starts.

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Before you start

Have these on hand before you open the registration form. With everything ready, you’ll be done in under 5 minutes.
Your company’s exact legal name: it must match your Certificate of Incorporation precisely. Even a small difference (for example, “TechFin Limited” vs “Techfin Ltd”) will cause a mismatch at the document review stage.
A corporate email address: an email on your company’s own domain (for example, cto@techfin.ng). Gmail, Yahoo, and Outlook free accounts aren’t accepted.
Your Union Bank account number: a 10-digit account number for a Union Bank of Nigeria account that belongs to your company.
A director’s BVN (Bank Verification Number): an 11-digit number. Every Nigerian bank account holder has one. Check your bank app or dial *565*0# on your registered phone number to retrieve it.
A strong password: at least 8 characters, including one uppercase letter, one lowercase letter, one number, and one special character.

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Step-by-step: filling in the registration form

Register through the portal at ubn-ui.onecluster.co/auth/signup. Here’s what each field expects.
1

Company Name

Enter your company’s full legal name exactly as it appears on your Certificate of Incorporation: the official document issued by the CAC (Corporate Affairs Commission) when your company was registered in Nigeria.The CAC is the Nigerian government body responsible for registering and regulating businesses. When your company was incorporated, the CAC issued a Certificate of Incorporation that states the company’s legal name. That exact name is what you’ll use here.Why this matters: during the KYB (Know Your Business) review in Step 3, our compliance team compares the name you register with against the name on your Certificate of Incorporation. A mismatch, even “Limited” vs “Ltd”, causes a rejection.
2

Corporate Email Address

Enter an email address on your company’s own domain. For example: partnerships@techfin.ng or cto@yourcompany.com.Why free email addresses (Gmail, Yahoo, Outlook) are rejected: we need to verify that your business is legitimate. A corporate email address proves your company has its own domain, which is a basic signal of a real operating business. Anyone can open a Gmail account in 60 seconds. A corporate domain requires a registered business to set up.This is also a CBN compliance requirement. All BaaS partner accounts must be linked to a verifiable business identity, and a corporate email address is part of that verification.
If you register with a personal email address, your registration is rejected immediately at the form validation stage. You’ll need to register again with a corporate address.
3

Password

Create a password that meets these requirements:
  • At least 8 characters long
  • At least one uppercase letter (A to Z)
  • At least one lowercase letter (a to z)
  • At least one number (0 to 9)
  • At least one special character (!, @, #, $, %, etc.)
Don’t reuse a password from another service. Store your password in a password manager (such as 1Password, Bitwarden, or LastPass) rather than writing it down or saving it in a spreadsheet.
4

UBN Account Number

Enter the 10-digit account number for a Union Bank of Nigeria account that belongs to your company.Why we ask for this: the UBN BaaS platform links your partner account to an existing Union Bank commercial relationship. This account is used for fee billing, settlement reconciliation, and identity verification. You don’t need to maintain a minimum balance in this account for sandbox testing.
If your company doesn’t yet have a Union Bank account, you’ll need to open one before you can complete registration. Contact your nearest Union Bank branch or visit unionbank.ng to start.
5

Director's BVN

Enter the BVN (Bank Verification Number) of a company director. A BVN is an 11-digit number that the Central Bank of Nigeria issues to every bank account holder in Nigeria. It’s linked to your fingerprints and is used to verify your identity across the Nigerian banking system.To find your BVN:
  • Dial *565*0# on the mobile number registered with your bank
  • Check your bank’s mobile app (most display it in the profile section)
  • Visit any bank branch with a valid ID
Your BVN is sensitive personal data. The UBN BaaS platform uses it only for identity verification. We never display your full BVN in our system, only a masked version (for example, ****5678). See our NDPR Compliance page for details on how we handle personal data.
6

NDPR Consent

Check the box to give consent for us to process your personal data in accordance with the NDPR (Nigeria Data Protection Regulation).The NDPR is Nigeria’s data protection law, similar to the GDPR in Europe. It governs how organisations collect, store, and use personal data. By checking this box, you acknowledge that we’ll store and process the information you provide (your name, email, BVN, and documents) for the purpose of verifying your identity and operating your BaaS account.Read our full data handling policy on the NDPR Compliance page.
7

Terms & Conditions

Read and accept the UBN BaaS Platform Terms and Conditions. Key points:
  • You may only use the platform for lawful business purposes
  • You’re responsible for keeping your API keys secure
  • You agree to comply with CBN regulations relevant to your use case
  • Sandbox access is free; production usage is billed according to the current rate card
The full terms are available at ubn-ui.onecluster.co/terms.
8

CAPTCHA

Complete the CAPTCHA (Completely Automated Public Turing test to tell Computers and Humans Apart). A CAPTCHA is a small puzzle or image challenge that proves you’re a human filling in the form, not an automated bot. It usually asks you to click images containing a specific object or to type distorted letters.If the CAPTCHA fails to load, try refreshing the page. If the problem persists, try a different browser or disable any ad-blocking extensions.

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What happens after you click “Register”

When your registration submits successfully, three things happen at once:
  1. Your partner account is created in the system with a PENDING_EMAIL_VERIFICATION status
  2. A verification email with a 6-digit OTP code goes to the email address you provided
  3. The portal displays your partnerId. Save this somewhere safe.
About your partnerId: this is your unique identifier on the UBN BaaS platform. You’ll see it referenced throughout your integration. It’s safe to store in your application’s configuration. It’s not a secret.
Your partnerId isn’t sensitive, so it’s safe to store in configuration files, environment variables, or logs. Don’t confuse it with your API key, which is sensitive and must be kept secret.

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Troubleshooting

The form checks whether your email domain is on a list of known free email providers. If your corporate email gets rejected, it may mean:
  • You entered a typo in the email address (double-check the domain)
  • Your company uses a subdomain (for example, name@mail.techfin.ng). These are accepted, but confirm the exact format with your IT team.
  • Your domain is very new and isn’t yet recognised. If that’s the case, email baas-support@unionbank.ng with your domain information and we’ll review it manually.
If you genuinely don’t have a corporate email address yet, you’ll need to set one up before registering. Google Workspace starts at 6/user/monthandMicrosoft365BusinessBasicstartsat6/user/month and Microsoft 365 Business Basic starts at 6/user/month. Both let you use your own company domain.
If you get an error saying your company name doesn’t match our records, the name you entered probably doesn’t exactly match what’s on file with the CAC.To find the exact registered name:
  • Look at the front page of your Certificate of Incorporation
  • Visit the CAC public search portal at search.cac.gov.ng and search by your RC number
  • The name returned by the CAC portal is the name you must use
Common differences to watch for:
  • “Limited” vs “Ltd” vs “LTD”
  • “Nigeria” vs “Nig”
  • Punctuation (commas, full stops, hyphens)
  • Abbreviations in the middle of the name
If the system can’t find your Union Bank account number, check the following:
  • Confirm you’re entering exactly 10 digits with no spaces or dashes
  • Confirm the account is a Union Bank account, not another bank
  • Confirm the account belongs to your company, not a personal account
  • If the account was opened recently (within the last 48 hours), it may not yet be visible in the BaaS system. Try again the following business day.
If the problem persists, contact baas-support@unionbank.ng with your account number (it isn’t sensitive) and we’ll investigate.
If your BVN fails validation at registration, it usually means one of three things:
  • The BVN you entered isn’t 11 digits. Count the digits carefully.
  • The BVN belongs to a director whose legal name doesn’t match the company name. BVN validation is a soft check at registration. It becomes a harder check later at KYC.
  • There’s a temporary issue with the NIBSS BVN lookup service. Wait 15 minutes and try again.
If you keep running into trouble, contact baas-support@unionbank.ng.
First, wait 5 minutes. Delivery can occasionally be delayed. Then:
  1. Check your spam or junk mail folder. The email comes from noreply@unionbank.ng.
  2. Confirm you registered with the email address you intended. Log in to the portal and check the email shown in your profile.
  3. If nothing arrives after 10 minutes, trigger a resend from the portal login page by clicking “Resend verification email”.
If you still have no email after resending, contact baas-support@unionbank.ng.
Your account is now created. Next up: verify your email address. Continue to Step 2: Verify Your Email →