Terms of Service

1. Acceptance of Terms

By accessing or using the RohoPay platform (“Service”), including our website, APIs, dashboard, and any related tools or documentation, you agree to be bound by these Terms of Service (“Terms”). If you are using the Service on behalf of a business or organization, you represent that you have the authority to bind that entity to these Terms, and “you” refers to both you individually and the entity.

If you do not agree to these Terms, do not use the Service. We may update these Terms from time to time. Material changes will be communicated via email or a notice in the dashboard. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

3. Merchant Account

3.1 Eligibility

To use the Service, you must be at least 18 years of age (or the legal age of majority in your jurisdiction) and capable of forming a binding agreement. If you are registering on behalf of a business, the business must be legally registered and in good standing in its jurisdiction.

3.2 Registration

You must provide accurate, complete, and current information during registration and keep your account information updated. You are responsible for safeguarding your account credentials and API keys. You must notify RohoPay immediately of any unauthorized use of your account.

3.3 Verification

RohoPay may require identity verification (KYC) before activating your account or enabling certain features. This may include government-issued identification, business registration documents, and proof of address. Failure to complete verification may result in account limitations or suspension.

4. Payment Processing

4.1 How Payments Work

When a customer initiates a payment through your integration, RohoPay routes the transaction to the appropriate payment provider (e.g., Flutterwave, Relworx, Iotec) based on the payment method and your configuration. The provider processes the transaction and returns a status. RohoPay relays this status to your system via API response and webhook notification.

4.2 Settlement

Funds from successful transactions are credited to your RohoPay wallet, less any applicable fees. Settlement timelines vary by payment method (see our Security & Compliance page for details). You can withdraw funds from your wallet to a linked bank account, subject to daily limits and compliance checks.

4.3 Chargebacks and Disputes

If a customer disputes a transaction, the payment provider may initiate a chargeback. RohoPay will notify you and may reverse the credited amount from your wallet. You are responsible for responding to chargeback requests and providing supporting documentation within the timeframe specified by the provider.

5. Fees and Pricing

RohoPay charges a commission on successful transactions as described on our Pricing page. There are no setup fees or monthly platform fees unless otherwise agreed in a custom arrangement. Fee changes will be communicated at least 30 days in advance. You are responsible for any fees charged by your own bank or mobile money provider.

7. Prohibited Activities

You must not use the Service to:

• Process payments for illegal goods, services, or activities in your jurisdiction.
• Circumvent transaction limits, fees, or compliance controls.
• Use the Service to launder money, finance terrorism, or engage in sanctions-violating activity.
• Reverse-engineer, decompile, or attempt to extract the source code of the Service.
• Interfere with, disrupt, or overload the Service or its underlying infrastructure.
• Misrepresent your identity, business, or the nature of your transactions.
• Resell or redistribute the Service without written authorization from RohoPay.

RohoPay reserves the right to suspend or terminate accounts found to be engaging in prohibited activities.

8. Limitation of Liability

To the maximum extent permitted by law, RohoPay and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business opportunities, arising from or related to your use of the Service.

RohoPay's total liability for any claim arising from the Service shall not exceed the fees you paid to RohoPay in the twelve (12) months preceding the claim. These limitations do not apply to liability that cannot be excluded or limited under applicable law.

9. Termination

You may terminate your account at any time by contacting support or using the account settings in the dashboard. RohoPay may suspend or terminate your account at any time for cause, including but not limited to violation of these Terms, suspicious activity, or regulatory requirements.

Upon termination, any pending settlements will be processed in accordance with normal timelines, and any outstanding obligations (including chargebacks or refunds) will survive termination.