Welcome to WhaPay! By using our website, WhatsApp bot, SMS service, voice registration line (0140933042), or payment services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree, please do not use our services.

1. Eligibility

You must be at least 18 years old and have the legal capacity to enter into a binding agreement. Merchants must be legally registered businesses or sole proprietors operating in Kenya (or other supported regions). By using WhaPay, you represent that you meet these eligibility requirements.

2. Registration & Account

• You must provide accurate and complete information (name, phone number, business name).
• You are responsible for safeguarding your Member Code and QR code. Do not share them with unauthorized parties.
• You may not transfer your account to another person or entity.
• We reserve the right to suspend or terminate accounts that violate these Terms or applicable laws.

3. Payments & Fees

• Transactions are processed via M-Pesa (Safaricom) or Stripe (cards). Fees are displayed at checkout and on our Pricing page.
• Merchants are responsible for any chargebacks, refunds, or disputes with customers.
• WhaPay charges a transaction fee (e.g., 2.9% + $0.30 for cards). M-Pesa transactions incur standard Safaricom rates; WhaPay does not add extra fees on M-Pesa.
• Offline payments via Member Code + M-Pesa Paybill may incur standard M-Pesa charges. WhaPay does not charge additional fees for offline payments.
• All fees are non‑refundable except as required by law.

4. Prohibited Transactions

You may not use WhaPay for illegal activities, including but not limited to:

• Fraud, money laundering, or terrorist financing.
• Sale of prohibited goods (drugs, weapons, counterfeit products, unlicensed firearms).
• Gambling, pyramid schemes, or unlicensed financial services.
• Adult content or services without proper age verification.
• Any transaction that violates Kenyan or international law.

Violation may result in immediate account termination and reporting to relevant authorities.

5. Offline Payments & Sync

Offline payments made via Member Code + M-Pesa Paybill are recorded via SMS. It is your responsibility to sync these transactions by sending SYNC on WhatsApp when you regain internet. WhaPay is not liable for unsynced or lost SMS records. We recommend keeping M-Pesa SMS receipts as proof of payment.

6. Intellectual Property

All content, logos, trademarks, and software on the WhaPay platform are owned by WhaPay Solutions or its licensors. You may not copy, modify, distribute, reverse‑engineer, or create derivative works without explicit written permission. "WhaPay" and the WhaPay logo are registered trademarks.