Terms of Service

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User", "Merchant", or "you") and Payzaapi ("we", "us", "our") governing your access to and use of the Payzaapi platform, including all features, dashboards, APIs, and related services.

Payzaapi operates in partnership with licensed payment processors including Korapay and Tuma. Use of payment features is also subject to the terms of those third-party processors.

To use Payzaapi, you must:

• Be at least 18 years of age or the legal age of majority in your country
• Have the legal capacity to enter into a binding agreement
• Operate a legitimate business or provide lawful goods and services
• Provide accurate, current, and complete information during registration and keep it updated
• Not be located in a country subject to international trade sanctions or financial embargoes
• Not have previously been suspended or removed from Payzaapi for violation of these Terms

By registering, you represent and warrant that you meet all eligibility requirements. Payzaapi reserves the right to verify your identity and business details at any time.

You are fully responsible for all activity that occurs under your account. Your obligations include:

• Keep credentials secure — never share your password. Use a strong, unique password and enable two-factor authentication
• Notify us immediately of any unauthorised access or suspected security breach at [email protected]
• Accurate information — ensure all business information, product listings, pricing, and customer data you enter is accurate and not misleading
• Protect your customers — handle customer data collected through your Payzaapi store in compliance with applicable privacy laws
• One account per business — you may not create multiple accounts to circumvent restrictions, suspensions, or platform fees

Payzaapi is not liable for losses resulting from your failure to secure your account or from authorised access using your credentials.

You may use Payzaapi only for lawful business purposes. The following activities are strictly prohibited:

• Selling counterfeit, pirated, illegal, or prohibited goods or services
• Processing payments for gambling, adult content, firearms, or controlled substances without appropriate licences
• Fraudulent transactions, money laundering, or financing illegal activities
• Creating fake orders, manipulating reviews, or deceiving customers
• Using Payzaapi to collect payments without intending to deliver goods or services (advance fee fraud)
• Attempting to access, reverse-engineer, or disrupt Payzaapi's platform, servers, or APIs
• Misrepresenting your business identity, location, or the nature of goods sold
• Using automated bots to create accounts, scrape data, or abuse platform features
• Violating any applicable Kenyan law, international regulation, or third-party rights

Payzaapi cooperates fully with law enforcement agencies and may report suspicious activity to the relevant Kenyan authorities.

Payzaapi earns revenue through platform fees applied to transactions processed through our system. Current fees are:

Fee Type	Currency	Amount	Notes
Transaction Fee	All	1.5%	Applied to each incoming payment
Withdrawal Fee (KES)	KES	KES 116	Flat fee per withdrawal
Withdrawal Fee (NGN)	NGN	₦ 150	Flat fee per withdrawal
Currency Conversion	All	1.0%	Applied when converting between wallets
Account Registration	—	Free	No charge to create an account

Fees are deducted automatically from transactions. We reserve the right to update our fee structure with 30 days' notice to registered users. Continued use after notice constitutes acceptance of new fees.

All payments processed through Payzaapi are also subject to the fees and terms of our payment processors (Korapay, Tuma), which may apply additional charges.

You may withdraw your available balance to your registered mobile money account or bank account subject to the following conditions:

• Withdrawals are processed automatically upon admin approval, typically within 1 business day
• Minimum withdrawal amounts apply per currency (set by Payzaapi administrators)
• You must provide accurate withdrawal account details — Payzaapi is not liable for funds sent to incorrect accounts due to user error
• Payzaapi reserves the right to place a hold on withdrawals pending fraud investigation or KYC verification
• Withdrawal fees are deducted from the amount requested, not in addition to it
• If a payout fails for any reason (insufficient gateway funds, incorrect details, technical error), the full requested amount is automatically returned to your wallet balance

All software, design, code, branding, trademarks, and content that form the Payzaapi platform are the exclusive property of Payzaapi and are protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable licence to use the Payzaapi platform solely for your own business management purposes in accordance with these Terms. You may not:

• Copy, modify, distribute, or create derivative works of any part of the Payzaapi platform
• Use Payzaapi's branding, logo, or trademarks without express written permission
• Resell or sublicense access to Payzaapi to third parties without authorisation
• Claim ownership of any Payzaapi platform feature, design, or code

You retain full ownership of all content, data, and intellectual property you upload or create within your Payzaapi account (your products, invoices, customer data, etc.).

By you: You may close your account at any time by contacting [email protected]. Before closing, ensure you have withdrawn all available balances and downloaded any data you need. If a balance remains unclaimed at the time of voluntary closure, we will make reasonable efforts to contact you for 90 days. After 90 days of no response, any remaining balance will be returned to the withdrawal account last registered on your profile via our payment partners.

By Payzaapi: We reserve the right to suspend or permanently terminate your account, with or without notice, if:

• You violate any provision of these Terms
• We detect fraudulent, suspicious, or illegal activity on your account
• You provide false information during registration or verification
• We receive a valid legal order requiring account closure
• Continued operation of your account poses a risk to other users or Payzaapi

Upon termination for cause, Payzaapi will freeze withdrawal access pending investigation. If investigation concludes no fraud is found, remaining balances will be returned to your verified withdrawal account via our payment partners, minus applicable fees. You will be notified of the outcome by email.

Payzaapi shall not be liable for:

• Indirect, incidental, consequential, or punitive damages arising from your use of the platform
• Loss of revenue, profits, customers, or data resulting from platform downtime or technical issues
• Delays, failures, or errors caused by third-party payment processors (Korapay, Tuma, mobile networks)
• Losses resulting from unauthorised access to your account due to your failure to secure your credentials
• Actions of third parties including payment processors, mobile money operators, or banks

Our total aggregate liability to you for any claim shall not exceed the fees you paid to Payzaapi in the 3 months preceding the event giving rise to the claim.

These Terms are governed by and construed in accordance with the laws of the Republic of Kenya. Any dispute arising from or related to these Terms or your use of Payzaapi shall be subject to the exclusive jurisdiction of the courts of Nairobi, Kenya.

Resolution process: Before initiating formal legal proceedings, we encourage you to contact us at [email protected] to resolve any dispute informally. We commit to responding within 5 business days and making a genuine effort to resolve concerns amicably.

For transaction disputes with your customers, Payzaapi acts only as a technology platform and is not a party to the underlying transaction between you and your customer. Refunds and dispute resolution between merchants and their customers are the sole responsibility of the merchant.

Payzaapi may update these Terms at any time. For material changes, we will:

• Update the effective date at the top of this page
• Send email notice to all registered account holders at least 30 days before changes take effect
• Display a prominent banner in the dashboard during the notice period

Your continued use of Payzaapi after the effective date of updated Terms constitutes your binding acceptance of those changes. If you do not agree with updated Terms, you must stop using Payzaapi and close your account before the effective date.

For questions about these Terms, account issues, or any other support needs: