Terms of Service

By creating an account or using Naafi Pay (the “Service”), you agree to these Terms of Service. If you are using the Service on behalf of a business, you represent that you have authority to bind that business to these terms.

Naafi Pay is a software service for payment record management, order-related workflow, invoicing, reconciliation and related business operations. It helps businesses organize payments made through their own mobile financial service, bank and third-party payment accounts.

Naafi Pay is not a payment processor, payment gateway, payment facilitator, payment aggregator, merchant of record, bank, mobile financial service, money transmitter or custodian. Naafi Pay never receives, holds, stores, controls, transfers, routes or settles customer money.

Every payment is made directly from the customer to the business through the bank, mobile financial service, card processor or other provider selected by that business. That provider—not Naafi Pay—authorizes, processes, transfers and settles the payment.

Transaction IDs, reference IDs, payment status and related metadata stored in Naafi Pay are used only to identify, match and manage records. A record shown as completed does not mean that Naafi Pay received or controlled the funds.

• You must be at least 18 years old and able to enter a binding contract.
• You are responsible for all activity under your account, including team members you invite.
• You must provide accurate business information and keep it up to date.
• You must protect your credentials, API keys, webhook signing secrets and device pairing tokens.

You will not use the Service to:

• Use payment records or connected payment methods for activities prohibited by your provider or applicable law.
• Submit fake SMS data, spoofed transactions, or attempt to manipulate the auto-matching engine.
• Scrape, reverse-engineer or attempt to exceed documented API rate limits.
• Resell the Service or expose raw access to third parties without our written permission.

You are solely responsible for your relationship with each bank, MFS or third-party payment provider you connect, including any fees, settlement times, KYC and compliance requirements they impose. Naafi Pay only records and displays data that you or your connected provider makes available. All payment processing, settlement and fund movement occurs between you, your customer and the relevant provider, outside Naafi Pay.

You must verify the payment in your own provider account before delivering goods or services whenever provider confirmation is unavailable, delayed or disputed. Naafi Pay does not guarantee that a reference, SMS, webhook or status record proves final settlement.

Subscription, per-transaction and add-on pricing are shown in your billing dashboard. We may change pricing with 30 days’ notice, sent to the email on file.

You retain ownership of your business and customer data. We process it only to provide and improve the Service. See our Privacy Policy for details.

We target high availability but do not guarantee uninterrupted service. Scheduled maintenance, gateway downtime, mobile network SMS delays or upstream incidents may cause temporary disruption.

We may suspend or terminate your account if you breach these terms, if required by law, or to protect the integrity of the platform. You may close your account at any time from Account → Security.

The Service is provided “as is.” To the maximum extent permitted by law, we disclaim implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

To the extent permitted by law, our aggregate liability for any claim arising out of or related to the Service is limited to the fees you paid to us in the 3 months before the event giving rise to the claim.

We may update these terms from time to time. Material changes will be announced in-app or via email at least 14 days before they take effect.

Questions about these terms? Email legal@naafipay.com.