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 B.V. is incorporated in the Netherlands and operates the KivoraPay platform across Africa. We are a crypto spending and business payments platform that enables people and businesses to use supported digital assets for real-world financial activity, including payments, collections, commerce, payroll, and payouts where available.

KivoraPay is not a bank, a financial institution, a payment service provider, a money services business, or a securities platform. We do not provide investment advice or facilitate speculative trading. We provide a technology interface that connects crypto-backed value to supported services, merchant tools, and licensed third-party payment and settlement 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. Protecting your own account, device, and credentials is entirely your responsibility - KivoraPay is not a substitute for your own account security.

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 speculation in crypto assets. The platform is for using supported digital assets within available payment, commerce, collection, merchant, payout, and operational workflows.

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 supported platform activities and is subject to final blockchain confirmation and provider processing.

KivoraPay applies a small exchange rate margin (currently up to 1.5%) to the live market rate when converting crypto to Naira. This margin is how KivoraPay sustains its operations. No separate fees are charged. The payment value shown in your account reflects this conversion and is what you have available for supported platform activity.

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 supported activities on the platform. These may include electricity, airtime, mobile data, cable TV subscriptions, food and meal payments, flights and travel, clothing and retail purchases, sports betting account top-ups, invoices, payment requests, merchant collections, payroll, payouts, and other services as made available by KivoraPay.

Payments and fulfilment may be processed through licensed third-party service providers, merchant partners, billers, payout partners, or settlement providers. KivoraPay is not responsible for delays or failures caused by network providers, utility companies, airlines, food vendors, retailers, betting operators, banks, payout processors, merchant partners, 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.

Where bank transfers, withdrawals, merchant payouts, payroll payouts, or other payout features are available, they are processed through third-party banking, payment, and settlement providers. A payout request is not complete until the relevant provider or bank confirms the transfer as successful.

You are responsible for providing accurate bank account details and confirming that the receiving account belongs to the intended recipient. KivoraPay is not responsible for losses caused by incorrect account numbers, wrong bank selection, mismatched account names that you approve, or payout instructions submitted from your account.

Payouts may be delayed, rejected, reversed, held for review, or cancelled where required by our providers, banks, regulators, fraud controls, compliance checks, insufficient provider balance, network availability, or suspected misuse. If a payout definitively fails before completion, KivoraPay will restore the eligible amount to your KivoraPay balance where applicable.

If a funding transaction, deposit, card payment, bank payment, or incoming settlement used to create or increase your balance is later reversed, charged back, disputed, reported as fraudulent, or found to be unauthorized, KivoraPay may reverse the related credit, debit your available balance, hold pending payouts, recover amounts already paid out, suspend the account, or take any other reasonable action needed to protect users, partners, and the platform.

You must not use payouts to receive, move, withdraw, disguise, or distribute proceeds of fraud, unauthorized transactions, scams, stolen cards, account takeover, money laundering, or any unlawful activity. You agree to cooperate with any investigation and to provide reasonable information or documentation when requested.

KivoraPay provides merchant and business tools that may include storefronts, payment collection, product inventory, order management, cashier flows, reports, team roles, subscriptions, payroll, and payouts. Merchants and their customers transact through KivoraPay's platform and applicable provider network. Merchant use of the platform may be governed by additional merchant terms, subscription terms, or product-specific rules.

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 crypto spending and business payments platform. Your available payment value is intended solely for supported platform activities such as payments, purchases, invoices, merchant collections, payroll, payouts, and other services made available by KivoraPay. Features may vary by user type, country, verification status, subscription plan, and provider availability.

KivoraPay applies a small exchange rate margin (currently up to 1.5%) to the live market rate when converting crypto to Naira. This margin is how KivoraPay sustains its operations. No separate fees are charged.

For most consumer payment categories - including airtime, mobile data, and government payments - the figure shown at checkout is exactly what is deducted from your balance. Merchant subscriptions, payroll, payouts, or business tools may have separate pricing where shown in the product.

For betting payments, a flat ₦20 processing charge applies per transaction. This charge is shown to you at checkout before you confirm the payment.

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; unauthorized card, bank, wallet, or account activity; chargeback abuse; account takeover; mule activity; 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 may monitor transactions and account activity for fraud, security, compliance, and risk purposes. We may place temporary holds on balances, payouts, deposits, merchant settlements, payment requests, invoices, or account access where we reasonably suspect unauthorized activity, fraud, abuse, a legal violation, a provider dispute, or a security risk.

If you receive value that you are not entitled to, receive duplicate credit, benefit from a technical error, or withdraw funds connected to a reversed, disputed, fraudulent, or unauthorized transaction, you agree that KivoraPay may recover the relevant amount from your available balance, pending settlements, future deposits, merchant collections, or payouts. Where recovery inside the platform is not possible, you remain responsible for repaying the amount.

You are responsible for losses arising from activity submitted through your account where the activity results from your failure to secure your credentials, device, email, authentication codes, merchant team permissions, or any other account access mechanism. You must report suspected unauthorized access immediately.

Once a withdrawal or payout has been submitted from your account using your valid login credentials and completed by the receiving bank or provider, KivoraPay is not entitled to and will not reverse, recall, freeze, or otherwise recover those funds on your behalf, regardless of who actually initiated the request. The recipient of a completed withdrawal is treated as entitled to it. If you believe a withdrawal from your account was unauthorized, you are solely responsible for pursuing recovery yourself - including through your bank, the receiving bank, law enforcement, or independent legal action. Every user is responsible for protecting their own account; KivoraPay does not guarantee recovery of funds lost through compromised credentials, devices, or authentication methods.

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; bank or payout processor delays, reversals, holds, or rejections; value fluctuations between deposit detection and confirmation; unauthorized account access caused by your failure to secure your credentials; chargebacks, disputes, or reversals caused by your activity or the activity of anyone using your account; 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 and Conditions are governed by the laws of the Netherlands. All platform operations, dispute resolution, and legal interpretation shall be subject to Netherlands jurisdiction. Any dispute that cannot be resolved informally shall be subject to the exclusive jurisdiction of the courts of the Netherlands.

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