Legal

Terms of Service

Last updated: July 2026

These Terms of Service ("Terms") govern your access to and use of NexuzPayz websites, mobile applications, merchant portals, APIs, and related services (collectively, the "Services") operated by NexuzPayz ("we", "us", or "our"). By creating an account, using the app, or integrating our API, you agree to these Terms.

1. About our Services

NexuzPayz provides financial technology services including:

  • Personal wallet services — GHS virtual accounts, USD/EUR virtual accounts, USDC/EURC stablecoin wallets, balance conversions, transfers, collections, and account statements through our mobile app.
  • Payment collection services — GHS mobile money collections via payment links, USSD prompts, and payment IDs for consumers funding their accounts.
  • Merchant Collections API — server-to-server GHS checkout integrations for merchants, including webhooks, API keys, and a self-serve merchant portal.
  • Planned services — debit card issuance and additional corridors may be offered as beta or general availability features. We will communicate availability separately.

Certain Services are delivered in partnership with regulated third-party providers including payment processors, banking partners, and identity verification providers. We do not hold ourselves out as a bank unless explicitly stated for a specific product.

2. Eligibility

To use the Services you must:

  • Be at least 18 years old (or the age of majority in your jurisdiction).
  • Have legal capacity to enter into a binding agreement.
  • Provide accurate, complete, and current registration information.
  • Not be located in, or a resident of, a jurisdiction where use of the Services is prohibited.
  • Complete identity verification (KYC) and any additional checks we or our partners require.

Merchant accounts require a valid business invitation or approved onboarding application and completion of merchant KYC before live API keys are issued.

3. Account registration and security

You are responsible for safeguarding your login credentials, device access, API keys, webhook signing secrets, and any USSD PINs associated with your account. You must notify us immediately at support@nexuzpayz.com if you suspect unauthorized access.

We may offer two-factor authentication (email, SMS, or biometric), biometric app unlock, and device session management. You agree to use reasonable security measures on devices that access your account.

4. Identity verification

Access to full Services requires successful identity verification and, where applicable, acceptance of partner terms of service. We may request additional documentation, suspend accounts pending review, or decline service where verification cannot be completed or where required by law or risk policy.

5. Fees and pricing

Fees for transfers, conversions, collections, and merchant transactions are disclosed before you confirm a transaction or, for API usage, in your merchant agreement and fee schedule. We may update fees with reasonable notice where required. Promotional or early-access pricing may apply for limited periods.

6. Acceptable use

You agree not to:

  • Use the Services for unlawful, fraudulent, or sanctions-evading activity.
  • Provide false identity or business information.
  • Interfere with, reverse engineer, or overload our systems or APIs.
  • Use the Merchant API to process transactions unrelated to your approved business activity.
  • Circumvent transaction limits, security controls, or verification requirements.
  • Resell or sublicense API access without our written consent.

7. Transactions and settlement

Transaction requests are subject to available balance, network availability, partner processing times, and compliance review. Mobile money and bank payouts may be delayed or reversed where required by telcos, banks, regulators, or our partners. Crypto transfers to external addresses are generally irreversible once confirmed on-chain.

Merchants are responsible for verifying webhook signatures, reconciling collections against orders, and fulfilling goods or services only after appropriate payment confirmation.

8. Third-party services

The Services may rely on third parties for payment processing, virtual accounts, stablecoin custody, KYC, cloud hosting, SMS, and notifications. Your use may also be subject to those providers' terms. We are not responsible for outages or actions solely attributable to third-party networks outside our reasonable control.

9. Beta and early access

Features labelled beta, early access, or preview may change, be withdrawn, or contain defects. We provide beta Services on an "as is" basis to the extent permitted by law. Feedback you provide may be used to improve the Services without obligation to you.

10. Intellectual property

The NexuzPayz name, logos, software, documentation, and website content are our intellectual property or that of our licensors. You receive a limited, non-exclusive, revocable licence to use the Services and published API documentation for their intended purpose.

11. Suspension and termination

We may suspend or terminate access where we reasonably suspect fraud, legal non-compliance, security risk, or breach of these Terms. You may close your account by contacting support, subject to settlement of outstanding obligations and legal retention requirements.

12. Disclaimers

To the fullest extent permitted by law, the Services are provided "as is" and "as available". We do not guarantee uninterrupted access, specific exchange rates, or that the Services will meet every business requirement. Stablecoin and foreign currency values may fluctuate.

13. Limitation of liability

To the extent permitted by applicable law, NexuzPayz and its officers, directors, employees, and partners shall not be liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, data, or goodwill arising from your use of the Services. Our aggregate liability for direct damages shall not exceed the fees paid by you to us in the twelve (12) months preceding the claim, or one hundred United States dollars (USD 100) if no fees were paid, except where liability cannot be limited by law.

14. Governing law and disputes

These Terms are governed by the laws of the Republic of Ghana, without regard to conflict of law principles. Disputes shall first be addressed through good-faith negotiation. If unresolved, disputes shall be submitted to the competent courts of Accra, Ghana, unless mandatory consumer protection laws in your jurisdiction provide otherwise.

15. Changes

We may update these Terms from time to time. Material changes will be posted on this page with an updated date. Continued use after changes become effective constitutes acceptance, where permitted by law.

16. Contact

NexuzPayz
Haatso Ecomog, Accra, Ghana
Email: support@nexuzpayz.com
See also our Privacy Policy and Regulatory Compliance page.