Terms of Service
Effective Date: January 1, 2026 • Please read these terms carefully before creating an account or using Payroxa.
1. Agreement to Terms
By accessing or using Payroxa's website, mobile application, APIs, or merchant tools (collectively, the "Services"), you agree to be bound by these Terms of Service. If you do not agree, you must not access or use our platform.
2. Eligibility & Account Verification
To use Payroxa, you must be at least 18 years old and capable of forming a binding contract under applicable Nigerian law. You agree to provide accurate, current, and complete information during registration and keep your KYC documentation up to date.
3. Acceptable Use Policy
You agree not to use Payroxa for any unlawful or prohibited activity, including but not limited to money laundering, terrorist financing, sale of counterfeit goods, fraudulent pyramid schemes, or unauthorized gambling.
4. Merchant Storefronts & Settlements
Merchants utilizing Payroxa Storefronts are solely responsible for accurately describing products, fulfilling customer orders, and addressing shipping disputes. Payroxa acts solely as the payment collection and settlement processor.
5. Fees & Transaction Limits
All applicable transaction fees and exchange rates are displayed before confirming a transaction. Transaction limits are established based on your KYC verification tier and regulatory guidelines.
6. Termination & Suspension
We reserve the right to suspend or terminate accounts that violate these Terms or present an unacceptable financial or security risk.
7. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria. For disputes or questions, contact support@payroxa.com.ng.