Terms and Conditions

By accessing or creating an account on KivoraPay you agree to be fully bound by these Terms and Conditions. Please read them carefully before using the platform. If you do not agree with any part of these terms you must not use KivoraPay.

KivoraPay is a technology platform that enables people who hold supported crypto assets to apply those assets toward everyday bill payments. We work exclusively through licensed third-party payment and settlement providers to process all transactions on behalf of users.

KivoraPay is not a bank, a financial institution, a payment service provider, a money services business, or a securities platform. We do not hold, manage, or custody funds on behalf of users. We are a bill payment interface that connects your available crypto-backed balance to licensed service providers.

To use KivoraPay you must be at least 18 years old and reside in a supported country. By registering an account you confirm that you meet these requirements and that all information you provide is accurate and truthful. KivoraPay reserves the right to suspend or terminate any account where eligibility requirements are not met.

You are responsible for maintaining the confidentiality of your login credentials. You must not share your password or two-factor authentication codes with anyone. Any activity that occurs under your account is your responsibility. If you suspect unauthorized access you must notify us immediately at support@kivorapay.com. KivoraPay will not be liable for any loss resulting from unauthorized use of your account caused by your failure to keep your credentials secure.

We strongly recommend enabling two-factor authentication (2FA) on your account. This is available in your account security settings and adds a critical additional layer of protection.

KivoraPay currently accepts the following assets: USDT on the Solana network, USDC on the Solana network, and Bitcoin on the Bitcoin network. We may add support for additional assets in the future. We may also discontinue support for any asset with reasonable notice to users.

KivoraPay does not facilitate the buying, selling, or speculation of crypto assets. The platform is solely for applying supported assets toward bill payments.

When you send supported crypto to your KivoraPay payment address, the payment value displayed in your account is calculated using information from our third-party settlement providers at the time your transaction is first detected on the blockchain. This value represents the amount available for bill payments and is subject to final blockchain confirmation and provider processing.

KivoraPay does not charge a separate funding fee, platform commission, subscription fee, or spread. The payment value shown in your account is what you have available to pay bills.

For USDT and USDC, your payment value is typically available almost instantly after detection. For Bitcoin, it is made available after two blockchain confirmations, which usually takes between ten and thirty minutes.

Each user has a unique payment address - no memo is required. If your balance is not reflected within five minutes you may submit a manual claim through the platform. KivoraPay will review and resolve valid claims within two business hours.

Blockchain transactions are irreversible. All crypto sent to your KivoraPay payment address is final. KivoraPay does not accept refund requests for crypto once it has been received and processed.

Once your payment value is available you can use it toward any supported bill on the platform. Supported bill categories include but are not limited to: electricity, airtime, mobile data, cable TV subscriptions, food and meal payments, flights and travel, clothing and retail purchases, sports betting account top-ups, and other everyday payments that arise in daily life. KivoraPay will expand supported categories over time.

All bill payments are processed through licensed third-party service providers. KivoraPay is not responsible for delays or failures caused by network providers, utility companies, airlines, food vendors, retailers, betting operators, or any downstream service provider.

If a payment fails for any reason your available payment value will be automatically restored. You will not lose your balance due to a failed transaction.

KivoraPay also provides infrastructure for merchants to accept crypto-backed payments at physical locations through our merchant network. Merchants and their customers transact through KivoraPay's platform and licensed provider network. Merchant use of the platform is governed by a separate merchant agreement.

KivoraPay is currently live in Nigeria and will expand to additional African countries over time. Supported billers, bill categories, and service availability depend on local provider integrations and may vary by country.

Users outside of currently supported countries may not have access to all features.

KivoraPay is a bill payment platform. Your available payment value is intended solely for paying supported bills and services. KivoraPay does not support peer-to-peer transfers, withdrawals of value, or any movement of funds outside of executing a supported bill payment. Your balance can only be applied toward transactions within the platform.

KivoraPay does not charge a platform commission, subscription fee, or profit-driven fee for bill payment services. For most bill categories - including airtime, mobile data, betting, and government payments - the figure shown at checkout is exactly what is deducted from your balance.

For electricity and cable TV payments, a mandatory processing charge of ₦100 per transaction applies. This charge is imposed by the underlying billing infrastructure and settlement network required to route these payments to the relevant utility and cable providers. This amount is not retained by KivoraPay and is passed directly to the processing chain. It is disclosed to you clearly on the payment review screen before you confirm.

Any applicable processing charges will always be shown to you before you confirm a transaction. You will never be charged more than the amount you see and approve at the review step.

You must not use KivoraPay for any of the following: any attempt to launder funds or conceal the origin of proceeds from illegal activity; fraud or any form of deceptive activity; funding terrorism or any activity that threatens national or international security; any activity that violates the laws of Nigeria or applicable international regulations; any attempt to manipulate, interfere with, or gain unauthorized access to the platform or its systems.

Accounts found in violation of these prohibitions will be suspended immediately. Relevant authorities will be notified where required by law.

KivoraPay strives to maintain continuous and reliable service. However we do not guarantee uninterrupted availability at all times. The platform may be temporarily unavailable due to scheduled maintenance, blockchain network conditions, third-party provider downtime, or events beyond our reasonable control. We will communicate planned maintenance in advance wherever possible.

To the maximum extent permitted by applicable law, KivoraPay shall not be liable for any direct, indirect, incidental, or consequential loss arising from: blockchain network delays or failures; third-party service provider failures; value fluctuations between deposit detection and confirmation; unauthorized account access caused by your failure to secure your credentials; or any event beyond our reasonable control.

All content on the KivoraPay platform - including the name, logo, design, code, and written content - is the exclusive property of KivoraPay. You may not reproduce, distribute, or use any part of this content without our express written permission.

KivoraPay may update these Terms and Conditions at any time. Material changes will be communicated to you via the email address on your account at least seven days before they take effect. Continued use of the platform after that date constitutes your acceptance of the updated terms. If you do not agree, you must stop using the platform and contact us to close your account.

These terms are governed by the laws of the Federal Republic of Nigeria. All platform operations, dispute resolution, and legal interpretation shall be subject to Nigerian jurisdiction. Any dispute that cannot be resolved informally shall be subject to the exclusive jurisdiction of the courts of Nigeria.

For any questions, complaints, or concerns relating to these Terms and Conditions please contact us at support@kivorapay.com.