Account & billing

• From your business page, open Team and click Invite — enter an email and pick a role. They'll get an email invitation to join.
• Owner and Admin can reach everything, including team management and billing. Job-shaped roles see only what they need day to day:

• Change anyone's role, or remove them, from the same Team page — an Owner can manage Admins too; an Admin can't remove another Admin or the Owner.

• Every new business starts on a 14-day trial with everything unlocked, so you can try the full system before paying for anything.
• Open Billing & plan (from your profile menu, top right) to compare plans and see what each one includes — toggle between monthly and yearly pricing there.
• Upgrading to a plan with more than your current one takes effect immediately, whatever billing period you're on.
• Downgrading, or just switching monthly ↔ yearly on the same plan, keeps what you already paid for — the change only takes effect on your renewal date. You'll see it as "Scheduled" on the Billing page, with the option to cancel it before it applies.
• Moving down to a plan with fewer features — we'll tell you exactly what you'll lose access to (a module, a lower user limit, and so on) before you confirm, so there are no surprises.
• The Starter (free) plan has a lifetime cap of 100 invoices, proforma invoices and quotations — sales orders, receipts, credit notes and retainer invoices don't count against it. Upgrading removes the cap.
• Paid plans renew automatically by card. Click Turn off auto-renew if you'd rather pay each period yourself — your card is never charged again and you keep your plan until the current period ends.
• With auto-renew off, click Renew now on the Billing page any time before your plan ends (or during the grace days after) to pay for the next month or year in one go, including any extra users. The new period starts when the current one ends, so you never lose days. We'll email you 7, 3 and 1 day before it ends. To switch auto-renew back on, choose your plan again.
• Changing card, or moving to another plan? Just choose the plan and pay with the new card. Your old card subscription is stopped automatically, so you're never charged twice.
• If a renewal payment doesn't go through, you keep full access for a short grace period (default 7 days) while we email you about it — 7, 3 and 1 day before it's due, then on the day and a few days after. Renew any time during that window from the Billing page; after it ends, the business moves to the free Starter plan automatically.
• Every successful renewal gets you a payment receipt and renewal confirmation by email, and turning off auto-renew sends a confirmation too. If we refund a payment, you'll get an email with the amount — banks usually take 5–10 working days to show it.
• Building your own integration? Generate a Developer API key from Admin console → Developer API (owner only) — full documentation is at Cashflow.ng/developers.

Each plan includes a number of users, and pending invitations count towards it. On a paid plan you can add more users without upgrading.

• When you hit the limit, the Team page shows Add more users. Choose how many, pay, and you're brought back to invite them. You can also add users from Billing & plan → Extra users.
• You pay only for the time left. An extra user bought mid-month costs only the days left until your plan renews. For example, with 15 of 30 days left you pay half the monthly price.
• Extra users renew with your plan, charged to the card you paid with. If that charge fails we email you. Your team keeps working for a few days, then you can't invite anyone new until the extra users are paid for. Nobody is ever removed.
• Need several? The billing page shows when moving up a plan costs less than extra users.
• Don't need them any more? Lower the number under Extra users. It takes effect straight away and lowers your next renewal. Time already paid for isn't refunded, and you can't go below the users you have.

Extra users aren't available on the free plan; choose a paid plan first.