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August 12.2025
3 Minutes Read

How Carbon Nexus is Transforming Payments for Nigerian Businesses

Speaker at tech conference presenting Carbon Nexus Payments system.

Revolutionizing Payments in Nigeria: Introducing Carbon Nexus

Nigerian businesses often face significant hurdles when it comes to collecting payments. From staggered payment receipts to missed alerts and chaotic reconciliation processes, managing incoming funds can feel more like a battlefield than a routine task. In response to this ongoing challenge, Carbon, Nigeria's leading digital bank, introduced Carbon Nexus during the Lagos Startup Week 2025. This new payment infrastructure aims to bring clarity, control, and ease to the often chaotic world of payment collection.

What is Carbon Nexus?

“Many business owners find themselves repeatedly refreshing bank apps or manually updating spreadsheets just to figure out who has paid,” explained Ngozi Dozie, CEO and co-founder of Carbon. Carbon Nexus promises to alleviate this headache by simplifying the management of incoming funds, thereby reducing stress and eliminating guesswork.

Nexus for Builders: Empowering Tech Companies

The first iteration of Nexus is primarily designed for tech platforms and product teams that require a robust payment infrastructure embedded within their workflows. With direct API access, developers can:

  • Instantly generate static or dynamic sub-accounts (NUBANs),
  • Track payments in real-time, even if they arrive in fragments,
  • Receive instant notifications via webhooks when payments are made,
  • Create custom payment workflows without delving into the complexities of banking systems.

This smarter solution is particularly beneficial for those building fintech products or managing customer accounts, providing them with an efficient way to handle transactions.

Upcoming Features: Nexus for Merchants

Later this year, Carbon plans to roll out a low-code version of Nexus made accessible within the Carbon Business app. This version targets merchants who may not have a technical background but still require powerful payment tools.

Using a conversational AI interface powered by Carbon’s Merchant Command Platform (MCP), merchants can create virtual accounts swiftly by simply instructing the system. For example, a merchant could command, “Create an account for Gbemi’s next payment,” or “Notify me when Obinna pays via POS.” This feature will help streamline operations, making it easier for merchants to monitor their transactions.

A Step Towards Payment Accessibility

Carbon Nexus represents more than just a new product; it symbolizes a significant move towards democratizing payment infrastructure in Nigeria. This product is designed not only for tech-savvy companies but also for everyday merchants and business owners, providing them with tools typically reserved for large enterprises.

The Broader Impact of Carbon Nexus

The introduction of Carbon Nexus could significantly impact the payment landscape in Nigeria. By addressing the common struggles associated with financial transactions, businesses can shift their focus from merely surviving the chaos to thriving with confidence. Key benefits of adopting this new system include:

  • Enhanced ease and clarity in managing incoming payments,
  • Real-time visibility over transaction statuses,
  • Automated updates that eliminate lengthy reconciliation processes.

This evolution in how businesses handle payment transactions has the potential to foster economic growth, opening doors for even the smallest enterprises to operate more efficiently.

Call to Action: Embracing the Future of Payments

Business owners and developers interested in the API-based version of Carbon Nexus are encouraged to explore its capabilities. As Carbon prepares for the merchant-focused rollout in Q3 2025, now is the time to consider integrating these transformative payment solutions into your operations. Connect with Carbon for more information or request access via their dedicated email.

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12.29.2025

Inside OpenAI's $555,000 Head of Preparedness Role: A New Framework for AI Safety

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12.29.2025

Holiday Shopping Scams: What Every Nigerian Needs to Know

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12.29.2025

OpenAI's $555,000 Head of AI Preparedness: The Future of Safe AI

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