Improvements: - Improved payout experience and invoice compliance. - Enhanced onboarding flexibility and verification accuracy. - General performance and stability improvements. Update now to enjoy the latest improvements, enhanced performance, and a smoother app experience. Thank you for choosing Carbon Business! General performance and stability improvements.

Enjoy a faster, more reliable app with smarter insights and key updates for better business management. What’s New 2025 Financial Wrap: A smart year-end summary with clear insights into your account activity. Stamp Duty Update: In line with government regulations, a ₦50 stamp duty will be applied to outflow transactions above ₦10,000, with the sender bearing the cost. This change is government-mandated and takes effect January 1, 2026. Improvements: Performance, stability, and general optimisations for a smoother experience. Update now to explore your 2025 Financial Wrap and gain smarter business insights!

Enjoy a faster, more reliable app experience with smart new features and crucial bug fixes. Improvements - Performance & stability: General optimisations for a smoother experience. Update now to enjoy smarter onboarding, enhanced security, and a more reliable Carbon Business app!

Enjoy a faster, more reliable app experience with smart new features and crucial bug fixes. Improvements - Performance & stability: General optimisations for a smoother experience. Update now to enjoy smarter onboarding, enhanced security, and a more reliable Carbon Business app!

Upgrade your business onboarding with smarter validations, stronger security, and real-time activity insights, all in a faster, more reliable app. Improvements - Improved onboarding flow with clearer prompts and smarter field validations. - Performance & stability: General optimisations for a smoother experience. - Improved Quick Access screen with smoother performance and customisable shortcuts. Update now to enjoy smarter onboarding, enhanced security, and a more reliable Carbon Business app!

Latest Pro Subscription: Introducing a premium plan that costs ₦5,000 per month, giving you higher daily limits (₦250M), multi-user access, advanced invoicing, sub-accounts, and interest on balances. 2FA with Google Authenticator: You can now set up 2FA using a QR code and secret key, and protect your account with one-time passcodes from Google Authenticator. Selfie Capture for Directors: To improve identity verification, the app now requires a selfie capture and liveness check for the account opener and all listed directors. The process includes BVN face-matching, helpful reminders, and status updates for compliance. Improvements/Fixes We’ve made it easier to follow your transfer with a simple timeline and live loader that show every step until it’s complete. General optimisations for a smoother experience. Simplified the director onboarding flow with clearer selection and mandate handling. Customers can now send their bank statements directly to any third-party email right from the app. Fixed session issues that logged users out after completing the onboarding survey

Fixed issues with onboarding that blocked users from completing sign-up after passcode and verification steps.

Minor bug fixes and app optimisation

Feature: New Clipboard Detection Feature: When you copy a 10-digit account number, the app automatically detects it and suggests pasting it during transfers, making the process quicker and error-free. Improvements: Live Transaction Updates: Your transaction history now updates in real-time, ensuring you always see the latest information without manual refreshes. Bug Fixes: Crashes & Stability: Fixed crashes related to the Cash Flow dashboard and improved session reliability after app inactivity. Also, resolved glitches in payment fields, beneficiary selection, and time scheduling for transfers.

Minor Bug Fixes

Team Banking Enhancements Introducing permission-based access control (PBAC) to manage visibility of wallet balances and transaction history, ensuring the right people see the right information. UI/UX Improvements Enjoy a smoother, more intuitive experience with refined layouts and improved interaction patterns throughout the app. Passcode Protection You can now set a secure passcode with an all-new interface, adding an extra layer of security to protect sensitive actions.

Faster & Smoother Performance: Core improvements for quicker response times and seamless transitions. Better Business Name Verification: Reduced rejections by handling name variations more effectively. Simplified Onboarding: ID upload now accepts only NIN cards for a clearer, faster signup. Bug Fixes: - Signup text input now visible. - Improved dark mode UI across screens.

Fix: Resolved issue with BVN validation that prevents customers from onboarding Impact: Users can now successfully verify their BVN and proceed with onboarding

Enhancement Team Banking – Assign team members as either admin or member based on your business needs. Admins now have similar privileges to the owner role but with specific restrictions on member management and certain business functions. Bug Fixes Invoice Tax Field Issue Resolved – Users can now enter decimal values for tax when creating an invoice.

Special Action Banner – We've added a dynamic banner to guide you through important actions within the app, ensuring you never miss out on key features and updates. BVN Watchlist Check – To enhance security and compliance, our system now verifies if a BVN is blacklisted before onboarding, ensuring a safer experience for all users.

What's New Onboarding Tier System: We’ve introduced a tiered onboarding system (Flex Tier & Pro Tier) to make account creation faster and easier for users. Beneficiary Grouping: Users can now create and manage beneficiary groups, making bulk payments more seamless and efficient. Retail Referral Banner: A new referral banner now directs business users to sign up on the retail app, expanding access to more financial services. Improvements & Fixes Enhanced CAC Name Mismatch Handling Improved validation for business names against CAC records, ensuring a smoother onboarding experience.

Revamped Transaction Filters: Enhanced the UX for filtering transactions, delivering a seamless experience on both web and mobile. Improved Onboarding Flow: Enjoy a smoother and more intuitive journey when getting started. Quick Actions for Mobile: Access essential features with ease using newly added Quick Actions. CSV Statement Export: Now you can export your entire account statement to CSV right from your mobile device.

Enhanced Onboarding with CAC Data Integration: We've integrated CAC data service, making it easier auto complete company and director information during onboarding. This feature streamlines the data entry process, allowing faster and more accurate profile setup.

New Features Bills Payment: Pay for Cable TV, Electricity, Internet Data, and Airtime directly from the app, making it easier than ever to manage your bills in one place. Improvements Enhanced Phone and Email Verification: We've streamlined the sign-up experience with real-time phone number and email verification. Redesigned Transaction Receipts: Our new, user-friendly receipt design provides clearer, more detailed information, so you can review transactions at a glance with ease.

Team Banking Feature: Business owners can now invite team members to their Carbon business account for collaboration and financial management. Improvements: Onboarding: Directors can now validate and auto-fill their details (name etc) using their Bank Verification Number (BVN) during onboarding.

Invoice Finance Integration: Businesses can now offer invoice financing during invoice creation, allowing their customers to track applications and manage repayments effortlessly. Bulk Payment Approval: Team members with approval permissions can now approve bulk payments directly within the app. Loan Repayment Fix: Resolved issues with loan repayment for a smoother and more reliable user experience.

Active Loans and Repayments: Now you can easily view your active loans and track your loan repayments directly within the home screen. Stay on top of your finances with this new, convenient feature. Pending Approvals Banner: We've added a banner on the home screen to alert you of any pending approvals for single transactions. Stay informed and manage your transactions more efficiently.

New Signup and Mobile Onboarding - Enjoy a quick and intuitive sign-up process with a secure Know Your Business (KYB) process seamlessly integrated into the app. Account Limit - Manage and control your spending with the new account limit feature. Split Payment - Efficiently manage inflows between your account and sub-accounts with the new split payment feature. App Update - Get notified of the latest app update. Compliance Integration: - Existing compliance measures are now fully integrated into the mobile app for better adherence and ease of use. Improvements Enhanced Security: - Automatic logouts during inactivity to ensure your account's security. General app optimisation and bug fixes

New Features: Enabled Invoice Feature Manage and view your invoices directly within the app. Easily track payments and keep your financial records organised. Added Biometric Authentication Experience enhanced security and convenience with our new biometric authentication. Use your fingerprint or facial recognition to quickly and securely access the app. Improvements: General Bug Fixes and App Optimisation We've addressed various bugs and made optimisations to improve overall app performance and stability.

New Features: Enabled Invoice Feature Manage and view your invoices directly within the app. Easily track payments and keep your financial records organised. Added Biometric Authentication Experience enhanced security and convenience with our new biometric authentication. Use your fingerprint or facial recognition to quickly and securely access the app. Improvements: General Bug Fixes and App Optimisation We've addressed various bugs and made optimisations to improve overall app performance and stability.