Terms And Conditions
Afri2Pay – Terms & Conditions
Last Updated: November 2025
These Terms and Conditions (“Terms”) govern your use of the Afri2Pay platform, including our mobile apps, website, APIs, merchant and agent tools, virtual cards, QR payment services, and wallet system. By creating an account or using Afri2Pay, you agree to these Terms.
1. Definitions
“Afri2Pay” refers to our company, platform, and financial technology services.
“User” refers to individuals using Afri2Pay for personal transactions.
“Merchant” refers to businesses accepting payments through Afri2Pay.
“Agent” refers to authorized agents providing Afri2Pay services.
“Wallet” refers to your digital balance on Afri2Pay.
“Virtual Card” refers to the digital card issued through Afri2Pay’s partners.
2. Account Registration
You must:
Be at least 18 years old
Provide accurate personal information
Complete identity verification where required
Maintain only one personal account
Providing false information may result in account restriction or closure.
3. Use of Services
You may use Afri2Pay for:
Sending and receiving money
Payments via QR code or payment link
Merchant transactions
Wallet funding and withdrawals
Virtual card purchases and online payments
You agree not to use Afri2Pay for illegal activities, including fraud, money laundering, terrorism financing, or prohibited goods/services.
4. Fees & Charges
Afri2Pay maintains transparent fees. Applicable charges may include:
Transaction fees
Withdrawal fees
Currency conversion
Chargeback or dispute fees (for merchants)
Fees are displayed at the time of transaction and may be updated as needed.
5. Wallet & Transactions
Transactions are processed instantly but may be delayed by system or regulatory checks.
You are responsible for reviewing transaction details before confirming.
Completed transactions cannot be reversed unless in cases of fraud, dispute resolution, or regulatory instruction.
6. Virtual Card Terms
Virtual cards are issued through licensed financial partners.
Usage is subject to card network regulations (Visa, Mastercard, etc.).
Afri2Pay may freeze or replace virtual cards in cases of suspected fraud.
7. Merchant Responsibilities
Merchants must:
Deliver goods/services as advertised
Maintain accurate pricing
Manage customer disputes professionally
Comply with financial regulations and KYC requirements
Afri2Pay may withhold settlement for suspicious or high-risk transactions.
8. Agents
Afri2Pay agents must follow:
Operational guidelines
Transaction limits
Customer verification rules
Abuse of agent privileges may lead to license termination.
9. Security
You agree to:
Keep your password private
Enable two-factor authentication (2FA)
Report suspicious activity immediately
Afri2Pay employs advanced encryption, fraud monitoring, and device verification; however, users are responsible for securing their accounts.
10. Compliance & Verification
Afri2Pay complies with:
AML/CFT laws
KYC regulations
Data protection standards
We may request additional documents at any time.
11. Suspension & Termination
We may suspend or terminate accounts for:
Fraud
Abuse of services
Regulatory violations
Chargeback abuse
False KYC information
Users may close their account anytime, subject to pending obligations.
12. Limitation of Liability
Afri2Pay is not liable for:
User error during transaction
Delays caused by banks or payment partners
Merchant service quality
Losses from unauthorized access due to user negligence
Our liability is limited to the value of the affected transaction.
13. Dispute Resolution
Users may file complaints through:
In-app support
Email: support@afri2pay.com
Unresolved disputes may be escalated to regulatory authorities.
14. Modification of Terms
Afri2Pay may update these Terms as required with or without notice. Continued use after updates indicates acceptance.
15. Contact
📧 support@afri2pay.com
🌐 www.afri2pay.com
