Terms of service

These Terms of Service (the “Terms”) form a binding agreement between you and ReliaPay Limited (“ReliaPay”, “we”, or “us”). If you are entering into these Terms on behalf of a company or other legal entity, you represent that you have the authority to bind that entity.

Specific commercial terms — pricing, settlement schedules, volume commitments, and other negotiated provisions — are set out in your Order Form or Master Services Agreement, which form part of these Terms.

To use ReliaPay, you must create an account, complete our onboarding checks, and provide accurate business information. You are responsible for safeguarding your credentials and for all activity that occurs under your account.

You must promptly notify us of any unauthorised access at security@reliapay.africa.

You may use ReliaPay only for lawful business purposes and in accordance with these Terms. You must not:

• Use the platform for illegal activity, fraud, or to circumvent legal or regulatory requirements.
• Process payments for restricted businesses, including unlicensed financial services, unlawful gambling, and other categories listed in our Acceptable Use Policy.
• Reverse-engineer, scrape, or attempt to disrupt the platform.
• Misuse another party's data, including end-customer data accessed through our APIs.

Fees are set out in your Order Form or in our published pricing. Unless otherwise agreed, fees are deducted from settlement proceeds before they are paid into your nominated account or wallet.

Settlement schedules vary by payment method and by market. Same-day settlement is offered as a default for major mobile-money rails; T+1 or T+2 schedules apply to certain card and cross-border flows. Holdbacks may apply to higher-risk merchants or industries.

Your use of the platform involves the processing of personal data about your end customers. ReliaPay processes that data on your behalf as your data processor. The terms of that processing are set out in our Data Processing Agreement, which is incorporated into these Terms.

ReliaPay retains all rights, title, and interest in the platform, including our APIs, dashboards, brand, and documentation. We grant you a non-exclusive, non-transferable, revocable licence to use the platform during the term of your subscription. You retain all rights to your own data and content.

We provide the platform on a commercially reasonable basis. To the maximum extent permitted by law, the platform is provided “as is” without express or implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Neither party is liable for indirect, incidental, or consequential damages. Our aggregate liability under these Terms is limited to the fees paid by you to ReliaPay in the twelve months preceding the claim. Nothing in these Terms limits liability for fraud, gross negligence, or wilful misconduct.

You may close your account at any time through the dashboard. We may suspend or terminate access if you breach these Terms, pose a risk to ReliaPay or our partners, or where required by law or regulators.

On termination, we will return any settlement balance owed to you, less any reserves required for chargebacks, refunds, or regulatory holds. Provisions that by their nature should survive — including fees owed, confidentiality, and liability — survive termination.

These Terms are governed by the laws of the Republic of Kenya, unless your Order Form specifies otherwise. Disputes are subject to the exclusive jurisdiction of the courts of Nairobi, save that we may seek injunctive relief in any competent jurisdiction to protect our intellectual property or confidential information.

We may update these Terms from time to time. Material changes will be communicated by email or through the dashboard at least 30 days before they take effect. Continued use of the platform after that date constitutes acceptance of the updated Terms.