Every Traditional & Instant Payment Method Under One Roof
Business OS never forces you or your customers to abandon existing banking relationships. Whether a client pays with physical cash, your countertop bank terminal, an online card link, a corporate purchase order, or a mobile QR wallet, every sale is reconciled cleanly in one place.
Physical Cash Drawer & USD Tourist Auto-Change
BBD Drawer + Exact 2:1 USD-to-BBD Change Calculator
- Log BBD cash sales and track opening/closing drawer floats automatically.
- Built-in Tourist Cash Calculator converts USD bills ($1 USD = $2 BBD) and calculates exact BBD change at the counter.
- Works for retail counters, barbershops, clinics, and mobile vendors.
In-Store Countertop Bank Card Terminals
Republic Bank · CIBC · RBC · Scotiabank · Sagicor Bank
- Keep using the physical tap/chip card machine provided by your commercial bank.
- 1-tap bank selector pill logs the terminal approval code and bank name on the receipt.
- End-of-day batch closeout matches your physical bank terminal settlement slip 1:1.
Online Visa, Mastercard & Amex Checkout
Stripe · WiPay · Fygaro · First Atlantic Commerce (FAC / PowerTranz)
- Connect your existing Fygaro, WiPay, FAC / PowerTranz, or Stripe merchant link in Shop Setup.
- Send instant payment links over WhatsApp, Web Chat, or Email for bookings and part orders.
- Support multi-tender split-pay (e.g., half cash and half card at checkout).
Commercial Bank Transfer (ACH / RTGS)
1-Tap WhatsApp Bank Details & Reference Logging
- Share your bank name, branch transit number, and account number with B2B clients in one tap.
- Record wire/ACH reference numbers directly against invoices and POS orders.
- Eliminates screenshot hunting across WhatsApp threads during month-end reconciliation.
Certified Cheques & Corporate Purchase Orders
Net-15 / Net-30 Commercial Trade Accounts
- Issue formal contractor trade quotes and accept Certified Cheques or approved Corporate POs.
- Track Net-15 and Net-30 receivable aging with automated payment reminders.
- Ideal for hardware counters, auto parts distributors, and commercial field service fleets.
Regional Instant Wallets & QR Rails
BiMPay QR · CIBC 1stPay · MMG · Lynk · EndCash
- Display dynamic QR codes at checkout for instant local transfers alongside traditional rails.
- Zero forced migration: customers pay the way they prefer while you get one unified ledger.
- Every transaction feeds into your tamper-evident CariProof Income Passport.
Turn Daily Counter Sales Into Verified Credit Union Income Passports
Every cash, card, bank transfer, and mobile wallet checkout logged in Business OS contributes to a tamper-evident 90-day CariProof income statement, helping independent barbers, market vendors, and growing shops qualify for working-capital financing and merchant accounts.