Terms of Service

mPay is available to businesses and individuals operating a lawful business who meet our onboarding requirements. Accounts are issued following review; there is no public self-registration. Operating regions are ·Contact mPay to confirm service availability for your country, business type and requested payment methods..

You are responsible for the security of your credentials, PIN, two-factor device and API keys, and for all activity under your account. Notify mPay promptly of suspected unauthorised access.

You must provide accurate business, contact and settlement information and keep it current. Inaccurate information may result in suspension of processing.

mPay depends on third-party payment providers. Individual payment methods may be unavailable, restricted or withdrawn without notice. mPay does not guarantee uninterrupted availability of any method.

Processing fees are charged on successful payments and are shown in your dashboard before you process. The exact processing fee may depend on the payment method, region, merchant profile or transaction type. Applicable pricing is presented to the merchant before payment processing begins. See the pricing page.

A collected payment may be held in a clearing state before it becomes available for withdrawal. Clearing periods, reserves and release schedules depend on the payment method and your account, and are shown in your dashboard.

Settlement of available balances follows the schedule and destinations configured on your account. Settlement timing and any related charges are ·Settlement timing, supported assets and any withdrawal or network charges are confirmed during merchant onboarding and will be published before production launch..

Refunds are your responsibility as merchant. Disputes are handled with the relevant payment provider and may require evidence from you. See Refunds & Disputes.

mPay may suspend or restrict processing, withhold funds pending investigation, or close an account where we reasonably believe there is fraud, a breach of these terms or of the Acceptable Use Policy, or a requirement imposed by a payment provider or law.

Your use must comply with the Acceptable Use Policy, which forms part of these terms.

Third-party names and trademarks belong to their respective owners. Their appearance describes potential payment-method compatibility and does not imply ownership, sponsorship or endorsement. Availability may vary. Your payments are processed by third-party providers subject to their own terms.

The mPay name, interface and documentation remain the property of the operating entity. You are granted a limited, revocable right to use them to operate your account.

The service is provided on an "as is" and "as available" basis to the extent permitted by law. Nothing in these terms excludes liability that cannot lawfully be excluded. Limits of liability are ·The governing-law provision will be added after the operating entity and jurisdiction are finalized. pending legal review.

Either party may terminate in accordance with these terms. On termination, amounts due are settled subject to any hold, reserve or investigation then in effect.

These terms are governed by ·The governing-law provision will be added after the operating entity and jurisdiction are finalized..

·Official domain-based support contact details will be published before production launch. · ·Business identity and registration information will be published before production merchant onboarding opens.