Cari Biz Pay (CBPay) connects Business OS (businessesos.com) and CARICOM Business (caricombusiness.com) so grassroots coconut vendors, multi-chair barbershops, retail counters, and B2B suppliers can accept both Traditional Payment Methods (Cash $BBD/$USD, Visa/Mastercard, In-Store Bank Card Terminals, ACH/RTGS, Certified Cheques) and Regional Instant Wallets (BiMPay QR, CIBC 1stPay, MMG/Lynk/EndCash)—automatically generating SHA-256 audited CariProof Income Passports for Credit Union loans and multilateral MSME grants.
Every transaction across all 8 traditional and instant rails feeds your monthly CariProof Income Passport—giving BPWCCUL, COB, and AffinityPlus loan officers cryptographic proof of your True Net Take-Home Income.
You never have to abandon your existing bank card terminal, cash drawer, or online credit card processor. CariSplit and CariProof reconcile every traditional payment method side-by-side with regional instant wallets in one simple 4-tab POS.
Ring up local $BBD or tourist $USD cash at the counter or roadside stall with automatic 2:1 exchange calculation, instant WhatsApp receipt dispatch, and CariProof cash-to-deposit reconciliation.
Accept international and regional credit and debit cards online, via WhatsApp payment links, or at the counter using your existing Stripe, WiPay, Fygaro, or First Atlantic Commerce (PowerTranz) merchant account.
Keep your existing Republic Bank, CIBC Caribbean, RBC, Scotiabank, or Sagicor Bank card machine. Log terminal batch approvals in 1 tap so CariSplit calculates chair/staff commissions and CariProof certifies your total card volume.
Generate structured B2B invoices with automatic Barbados and CARICOM commercial bank ACH/RTGS wire instructions and instant remittance matching inside Business OS.
Track corporate Purchase Orders, government vouchers, and certified bank cheques alongside retail tenders in a single unified double-entry ledger.
Accept instant BiMPay QR payments on your phone or printable CBPay Countertop Standee with zero card-network interchange drag and real-time ledger confirmation.
Receive CIBC 1stPay transfers and settle net earnings directly into Barbados Co-operative & Credit Union League member accounts (BPWCCUL, COB, AffinityPlus).
Built for cross-regional CARICOM trade compatibility with Mobile Money Guyana (MMG), Jamaica Lynk, Trinidad EndCash, and Eastern Caribbean digital rails.
If a customer pays $40 BBD in Cash and $60 BBD by Visa/Mastercard or BiMPay QR, CariSplit records both tenders on one receipt, deducts weekly booth rent or staff commission automatically, and credits both amounts to your monthly CariProof Income Passport.
Test 1-Tap Barber & Merchant POSThousands of Barbadian and CARICOM barbers, independent booth renters, coconut & fruit vendors, market stallholders, and skilled tradespeople earn strong daily cash and mobile revenue—yet are rejected for mortgages, vehicle loans, and working-capital lines because they lack audited financial statements.
Under Section 3 of the Barbados Registration of Business Names Act (Cap. 317), sole individuals trading strictly under their true legal surname and forenames can onboard immediately at Stage 0 ($0/mo) while completing their 90-day BRA TAMIS TIN & NIS formalization checklist.
On the 1st of every month, Workflow 4 compiles the merchant's verified Cash, Card, Terminal, ACH, BiMPay, and 1stPay ledger into a tamper-evident CariProof Income Passport with a public verification QR code (businessesos.com/verify/[code]) for Credit Union loan officers.
Track A (Immediate): Non-custodial software orchestration and single-merchant closed-loop CariPass vouchers settled directly to the merchant. Track B (Regulated Open-Loop): Partnered with BiMPay Phase 1 Credit Union custodians (BPWCCUL, COB, AffinityPlus) pre-approved under Central Bank of Barbados Safeguarding Guideline A 2.0.
Business OS, Cari Biz Pay (CBPay), and CARICOM Business are structured strictly for non-dilutive multilateral grants, Credit Union underwriting, and 20% campaign co-investment revenue share—with zero equity or company share dilution.
Engineered for non-dilutive multilateral development grants and national formalization programs. Sponsors fund Stage 0 ($0/mo) grassroots onboarding, printable waterproof CBPay Countertop Standees, and Cap. 317 §3 Sole Trader formalization across Barbados and CARICOM.
Solves the #1 barrier facing Barbadian and Caribbean sole traders, barbers, booth renters, and micro-merchants: proving consistent income to qualify for a Credit Union vehicle loan, equipment facility, or mortgage.
Instead of selling company equity, institutional sponsors, chambers, and growth partners co-invest directly into merchant acquisition campaigns and earn a continuous 20% recurring revenue share on every paid Business OS subscription acquired.
Every micro-vendor starts free at $0/mo with 1-Tap POS, a verified CARICOM Business directory listing, and a CariProof Starter Ledger, then unlocks higher payment and automation tiers as they grow.
Registration of Business Names Act (Cap. 317) §3 Own-Name Sole Trader
Barbados NPSA 2021-1 Track A (Non-Custodial Orchestration)
CBB Safeguarding Guideline A 2.0 Credit Union Custodian Track
CBB / FSC Regulatory Sandbox & BiMPay Phase 2 PSP Track