Terms of Service

Acceptance of Terms

Placeholder, pending legal review. Using ErasPay means you accept these Terms and any linked policies.

Eligibility

Placeholder, pending legal review. Age, jurisdiction, and identity-verification requirements to hold a ErasPay account.

Account Registration & Security

Placeholder, pending legal review. Your responsibilities for credentials, PIN, and device security.

Description of Services

Placeholder, pending legal review. A naira wallet and account number, bank and ErasPay-to-ErasPay transfers, airtime, data and bill payments, gift-card and crypto sell-ins, and RMB purchases.

Fees & Charges

Placeholder, pending legal review. Where current, itemized fees are published (see in-app pricing), and how changes are communicated.

Prohibited Uses

Placeholder, pending legal review. Fraud, money laundering, terrorist financing, sanctions evasion, and other activity that ends the relationship and is reported.

Transaction Limits

Placeholder, pending legal review. How limits are set by KYC tier, when a transaction is held for review, and how to raise a limit.

Failed, Reversed & Disputed Transactions

Placeholder, pending legal review. What happens when a transfer does not land, how a reversal is processed, and how to raise a dispute or chargeback.

Dormant & Closed Accounts

Placeholder, pending legal review. When an account is treated as dormant, and how a balance is returned when an account closes.

Third-Party Services & Providers

Placeholder, pending legal review. Payments, card issuing, bill and gift-card settlement, and identity verification are carried out by named licensed partners - Flutterwave, Sogo Africa, Bridgecard, Dojah and Smile ID. See Provider Policies.

Intellectual Property

Placeholder, pending legal review. Ownership of the ErasPay app, brand, and content.

Limitation of Liability

Placeholder, pending legal review. Scope and limits of ErasPay’s liability, subject to applicable law.

Indemnification

Placeholder, pending legal review. Your obligations if your use of the service causes ErasPay loss.

Termination

Placeholder, pending legal review. Grounds and process for suspending or closing an account.

Dispute Resolution & Governing Law

Placeholder, pending legal review. Which law applies and how disputes are resolved.

Changes to Terms

Placeholder, pending legal review. How updates are communicated and when they take effect.

Contact Us

Placeholder, pending legal review. How to reach ErasPay with questions about these Terms.