AI agents for business finance: what they can and can't do
What AI agents can do in bookkeeping, close, collections and compliance today, where a person must stay in charge, and how to judge a product.
The short answer
Nomba says card sales on its terminals are settled to your Nomba account at the end of the day, so first wait until the day's settlement has run. If the sale is still missing, raise it with Nomba support from your dashboard with the terminal serial number, the slip or receipt details, the amount, date and time, and keep a record of the reply. If it is not resolved, you can complain to the CBN, which licenses Nomba Financial Services Limited.
First, work out what kind of problem it is
"Not settled" covers three different situations, and each has a different fix. Look at the terminal slip and at the transaction history in your Nomba dashboard before you contact anyone.
| What you see | What it usually means | What to do |
|---|---|---|
| Slip says approved, dashboard shows the sale, balance has not moved | Waiting for the end-of-day settlement | Wait for that day's settlement, then check again |
| Slip says approved, dashboard does not show the sale | The terminal and the processor disagree about the outcome | Raise a ticket with the slip details |
| Slip says declined or failed but the customer says their bank debited them | The customer's bank will usually reverse it to the customer, not pay you | Do not hand over goods; ask the customer to follow up with their bank |
| Sale settled, then later deducted | Likely a reversal or a chargeback raised by the cardholder | Ask Nomba for the reason and the evidence deadline |
Nomba's terminals page describes settlement as funds confirmed to your Nomba account at the end of the day, and the Mini page simply says "Auto-Settlement". Neither page gives a cut-off time, so do not panic over a sale made late in the afternoon until the next settlement has passed. Our guide to POS settlement times for businesses explains why timing differs across providers.
What to collect before you contact Nomba
Support teams resolve these faster when they can match your claim to a single record. Gather all of this in one message:
- The terminal serial number (on the back of the device, the same one you used to activate it).
- The customer copy or merchant copy of the slip, photographed clearly, showing the amount, date, time, response message and any reference numbers printed on it.
- The last four digits of the card if they are on the slip, never the full card number or PIN.
- A screenshot of your dashboard showing the sale missing or the balance unchanged.
- Your business name and Nomba business account number.
How to raise the dispute
- Check your dashboard transaction list once the end-of-day settlement for that date has run.
- If the sale is still missing, contact Nomba support through the app or dashboard help option and send the details listed above in one message.
- Ask for a ticket or reference number and write down the date you raised it.
- If you are asked for more evidence, reply on the same ticket so the history stays together.
- If you get no answer, or an answer you think is wrong, ask in writing for the matter to be escalated and for a final response.
Nomba's public product pages checked in October 2026 list office addresses in Lagos (Oregun, Ikeja and Lekki Phase 1) and San Francisco but no support phone number or email, so use the in-app support route and keep screenshots of the conversation.
If the customer was debited but the terminal declined
This is the most common argument at the counter. A declined slip means the sale did not go through for you, even if the customer's bank shows money held or taken. In that case the reversal goes back to the customer through their own bank, not to your Nomba balance. The customer should report it to their bank with the date, amount and terminal location; our guide to failed ATM and POS refund timelines covers what they can expect. Do not release goods on the promise that "the money will come".
Escalating beyond Nomba
Nomba states on its terminals page that Nomba Financial Services Limited is licensed by the Central Bank of Nigeria. If your complaint is not resolved by Nomba, you can take it to the CBN's consumer protection complaints process, attaching your ticket history. Our guide on how to complain to CBN consumer protection sets out the route. For chargebacks, where a cardholder disputes a completed sale, read chargebacks and reversals in Nigeria on what evidence protects a merchant.
Keep a simple daily record
Most settlement disputes are won or lost on records. At close of business, count the slips for the day and compare the total with your dashboard. A five-minute check each evening catches a missing sale while the customer is still easy to reach and the slip is still in the drawer. Keep the merchant copies in date order for at least a few months, since a cardholder can query a sale long after it settled.
If you run more than one terminal, label each with its serial number and the staff member using it, so you know at once which device a disputed sale came from.
Where Pryme fits
Card sales and transfers both produce disputes, and good records settle most of them. With a Pryme Business Account, a transfer received through bank-transfer checkout lands with its reference attached, and you can issue a verifiable receipt through our partner VerifyDoc.ai that anyone can check is genuine and unaltered.
Questions people ask
How long does Nomba take to settle POS transactions?
Nomba's terminals page says funds are confirmed as settled to your Nomba account at the end of the day. It does not give a cut-off time.
My Nomba POS said approved but the money did not enter my account, what do I do?
Wait until the end-of-day settlement for that date has run, then raise a ticket through Nomba support with the terminal serial number, a photo of the slip and a screenshot of your dashboard.
Customer was debited but Nomba POS declined, who refunds?
A declined transaction is reversed to the customer by their own bank. The money does not come to the merchant, so the customer should report it to their bank.
Where can I report Nomba if they do not resolve my complaint?
Nomba Financial Services Limited says it is licensed by the CBN, so an unresolved complaint can go to the CBN's consumer protection complaints process with your ticket history attached.
Sources
- Nomba — POS terminals · accessed Oct 2026
- Nomba — Nomba Mini · accessed Oct 2026
- Central Bank of Nigeria — supervised financial institutions · accessed Oct 2026
This article is general information, not financial, legal or tax advice. Products described are provided under the terms on this site and are subject to regulation and eligibility.