Terms & Conditions

Last updated: June 28, 2026. Please read these terms carefully before using our services.

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1. Agreement to Terms

By downloading, installing, or using the Paddy Pay application (the "App") or accessing our payment services (collectively, the "Services"), you agree to be bound by these Terms and Conditions. The Services are owned and operated by Paddy Pay Inc. ("we," "us," or "our"). If you do not agree to these terms, you must not access or use our Services.

2. Eligibility & Account Registration

To use the Services as a merchant, you must be operating a business in Ghana or other authorized regions and be at least 18 years old. To complete registration and enable transaction processing, you must:

  • Provide accurate, current, and complete business registration or personal identification information.
  • Submit valid verification documents, including a photo of your Ghana Card or business certificate.
  • Link a valid Mobile Money wallet (e.g., MTN Mobile Money, Telecel Cash, AT Money) or local commercial bank account in your name or your business's name.

We reserve the right to suspend or terminate accounts that provide false details or fail our Know-Your-Customer (KYC) and Anti-Money Laundering (AML) compliance checks.

3. Payment Processing & NFC Tap-to-Pay

Paddy Pay facilitates mobile Point of Sale (mPOS) transactions, allowing you to accept Visa, Mastercard, and Mobile Money payments using your smartphone's built-in NFC reader or MoMo wallet integration.

  • Contactless / Tap-to-Pay: You are responsible for ensuring that your mobile device meets hardware and security requirements for NFC processing.
  • Authorization: By initiating a payment transaction, you confirm that you have authorization from the payer to charge their account or payment method.
  • Refunds and Chargebacks: You are responsible for managing customer refunds. We reserve the right to hold settlement funds in the event of dispute, fraudulent activity, or chargebacks.

4. Settlement & Fees

We process automated settlements of transaction payouts directly to your linked bank account or Mobile Money wallet.

  • Settlement Schedule: Settlements are processed on a daily basis (T+1 settlement schedule) unless otherwise specified.
  • Transaction Fees: We charge a small, transparent percentage fee per successful transaction. There are no monthly hardware rental fees or hidden subscription costs. Current pricing details are available inside the App interface.
  • Taxes: You are solely responsible for calculating, collecting, and reporting any applicable taxes (such as VAT or e-levy) arising from your transactions.

5. Acceptable Use & Compliance

You agree not to use the Services for any unlawful, unauthorized, or prohibited activities. Prohibited activities include, but are not limited to, processing payments for:

  • Illegal goods, narcotics, or prohibited substances.
  • Unlicensed gambling, betting, or financial services.
  • Fraudulent schemes, multi-level marketing, or counterfeit goods.
  • Transactions designed to bypass cash-out fees or local currency regulations.

6. Security & Data Protection

Your security and the security of your customers are of paramount importance to us.

You agree to safeguard your account credentials, login PIN, and registered mobile device. You must notify us immediately of any unauthorized access to your account.

All credit card processing details are tokenized and encrypted according to Payment Card Industry Data Security Standards (PCI-DSS). You agree not to store, record, or capture card numbers, CVVs, or customer PINs on your device or in writing.

7. Limitation of Liability

To the maximum extent permitted by applicable law, Paddy Pay Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business opportunities, arising out of or related to your use of or inability to use the Services.

8. Governing Law

These Terms and Conditions shall be governed by, construed, and enforced in accordance with the laws of the Republic of Ghana. Any disputes arising out of these terms shall be subject to the exclusive jurisdiction of the competent courts in Accra, Ghana.

9. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. We will notify you of any material changes by posting the new terms in the App or on our website. Your continued use of the Services after such changes constitutes acceptance of the new terms.

10. Contact Us

If you have any questions or complaints about these Terms & Conditions, please contact us at: