Last updated: July 2026
Important: These Terms are a binding agreement between you and Xtrapay. They are provided for clarity and operational transparency but are not a substitute for independent legal advice tailored to your business.
These Terms and Conditions ("Terms") govern access to and use of Xtrapay and related services (the "Services") offered through xta.xta.check-outnow.com and associated applications. By registering, integrating, or using the Services, you agree to these Terms. If you do not agree, do not use the Services.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
You represent that you have authority to bind the business or organisation on whose behalf you register. Consumers using wallet-only features may be subject to additional terms presented in-product.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
In these Terms: "Merchant" means a business user of the Services; "Customer" means a payer or end user; "Balance" means funds credited to your business account subject to these Terms; "API" means programmatic interfaces we make available; "Content" means information you submit to the platform.
The Services are intended for lawful businesses and organisations that can enter contracts under Nigerian law. You must not use the Services if you are barred by sanctions, court order, or applicable regulation.
You represent that information you provide is accurate and that your activities comply with applicable laws, including consumer protection and anti-money-laundering rules.
Registration may require business details, beneficial owners, and identity documents. We may request updates at any time. Failure to complete or maintain verification may result in suspension.
We may refuse or close accounts at our discretion where risk, compliance, or integrity concerns exist.
You are responsible for all activity under your credentials and for permissions granted to staff. Implement least privilege and revoke access when roles end.
Notify us promptly of suspected unauthorised use.
Xtrapay provides payment acceptance, balance management, and related tools including hosted checkout, dashboards, reporting, and optional modules described on our website (invoices, tickets, memberships, rentals, collections, payouts, integrations, and consumer wallet features where enabled).
Features may change, be deprecated, or require separate enablement.
Certain payment, safeguarding, and settlement activities are conducted through arrangements involving MetroOven Innovations within applicable CBN and NDIC frameworks as relevant to its licence.
Hosted checkout and payment pages display instructions or references for Customers to pay in NGN. You must present accurate descriptions, prices, and refund policies to your Customers.
You are solely responsible for fulfilment of goods and services sold.
Many flows rely on bank transfers to designated accounts or references. Confirmation may depend on automated or manual processes we operate without disclosing internal methods.
You must not mark orders paid before you are satisfied that payment status in the dashboard reflects a successful collection.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
Invoice tools let you generate payment requests. You are responsible for invoice accuracy, VAT or tax disclosures, and delivery of goods or services once paid.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
Event and ticket features may generate codes or confirmations. You must honour valid tickets and comply with event regulations.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
Membership or subscription features may bill on a recurring or instalment basis where configured. You must provide cancellation mechanisms required by law and our policies.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
Rental modules may collect deposits or scheduled payments. You are responsible for property condition, renter verification where you require it, and dispute handling.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
Collection links or group payment features must not be used to circumvent prohibited activities or mislead contributors.
Withdrawals to Nigerian bank accounts may be subject to verification, limits, reviews, and processing windows. Incorrect account details may cause delays or loss.
You authorise us to debit your Balance for payouts you initiate and for fees owed.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
WhatsApp Wallet and Xtrapay-branded consumer experiences are subject to product-specific rules, PIN requirements, and limits. Merchants enabling WhatsApp APIs must obtain appropriate customer consents.
Xtrapay operates an official WhatsApp business account (+234 906 333 3668, display name: Xtrapay) using Meta’s WhatsApp Business Platform. By messaging that number or requesting WhatsApp OTP delivery, you agree that we may send service replies, login codes, and transaction-related messages within applicable WhatsApp session and template rules.
You must not use our WhatsApp channel for spam, harassment, illegal activity, or content prohibited by Meta or WhatsApp policies. Meta or WhatsApp may limit or suspend messaging if policies are violated. WhatsApp is a third-party platform; your use is also subject to the WhatsApp Terms of Service and applicable Meta platform terms.
We provide customer-initiated messaging experiences (for example you send Hi and receive a wallet menu). We do not use WhatsApp for unsolicited marketing outside approved templates or active service sessions. See our Privacy Policy — Meta Platform Data for how we handle information received from Meta.
The Xtrapay app lets eligible consumers manage a NGN wallet, pay bills, transfer funds, and use other features we enable from time to time. You must keep your wallet PIN confidential. Optional biometric unlock or transaction confirmation uses your device’s native security; you can disable it in Profile. We may change app features, limits, and supported devices without notice where permitted by law. The app is not a bank account; NGN balances and card features are provided through Xtrapay and its partners subject to verification tiers and product rules.
A Dollar Virtual Card is a USD-denominated virtual card issued through third-party card programme partners when you complete Tier 2 KYC, pay the published one-time setup total shown in the app (typically a card-issuer setup fee plus a starting USD balance loaded on the card), and accept our Privacy Policy and these Terms. The app displays the breakdown before you confirm. You authorise us to debit your NGN wallet for that setup total, card top-ups (at the sell rate shown before you confirm), and to credit your wallet for withdrawals (at the buy rate shown). You must provide accurate cardholder and billing details. Cards may be frozen or unfrozen from the app; you are responsible for all authorised spend until you freeze the card or report compromise. Cards must not be used for prohibited activities in Section 23. We do not guarantee acceptance by every merchant, foreign-exchange availability, or uninterrupted issuer systems. Failed or reversed issuer transactions may take time to reconcile. By requesting a card you confirm you have read the Dollar Virtual Card and Xtrapay sections of our Privacy Policy.
Where enabled, Xtrapay may operate an optional referral programme as referral marketing and customer acquisition for the consumer wallet. We may enable, change rates or windows, pause, or end the programme at any time. Current rules (percentages, milestone amounts, eligibility windows, and leaderboard prizes) are published in the Xtrapay app and may be updated without amending these Terms in full.
Attribution: A referred user’s referrer is locked when they register with a valid referrer pay code or phone number (registration attribution is supreme). If they register without a code, the first successful wallet-to-wallet (P2P) credit to their account may attribute the sender as referrer. Self-referral is not allowed. Attribution, once set, is not changed by later activity.
Bonuses: Qualifying bonuses (if any) are paid to the referrer only, credited to their flexible savings (not spendable wallet balance), subject to the active programme rules and an eligibility window from attribution. Bonuses are discretionary promotional rewards, not guaranteed income, wages, investment returns, or a partnership. Abuse, fake accounts, gaming, or fraud may void unpaid bonuses and may lead to suspension under these Terms.
Data use: Referral status and related activity may be used to operate the programme, prevent fraud, measure acquisition performance, and improve our services, consistent with our Privacy Policy. Monthly leaderboard prizes, when offered, follow the published rules for that month and may be withheld if the pot is zero or the programme is disabled.
API keys are confidential. You must store them securely and rotate them if compromised. You are responsible for code that calls our APIs and for protecting endpoints that receive webhooks.
Rate limits or usage policies may apply and are not fully described here.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
You must expose reliable HTTPS endpoints for webhooks where used and verify authenticity according to documentation. Duplicate events may occur; design idempotent handlers.
Our WooCommerce plugin and similar integrations must be configured with valid credentials. You are responsible for site security, plugin updates, and lawful use of customer data.
Developer Business ID fields attribute integrators to the developer program where approved; they do not replace merchant credentials.
Participation in the developer revenue-share program requires application and approval. Benefits apply only to qualifying production volume with valid attribution as described on our developer pages.
Program terms in product UI or partner agreements may supplement these Terms.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
Marketplace listings, charity or crowdfunding pages, business lending or peer-loan features, and other modules may be offered on a limited or regional basis. Additional rules may apply when you enable them.
Fees are published on our pricing page or in your dashboard unless otherwise agreed in writing. We may deduct fees from incoming payments or Balances.
Failed or reversed transactions may still incur charges where stated.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
You are responsible for determining and remitting applicable taxes on your sales. We do not provide tax advice.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
We may update prohibited categories without notice.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
You will cooperate with reasonable requests for information related to AML, CTF, fraud investigations, and regulatory inquiries. We may report suspicious activity as required by law.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
We may place holds, reserves, or limits on Balances or transactions to manage risk, comply with law, or investigate concerns. Duration depends on circumstances.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
Customers may dispute charges with their bank or with you directly. You are primarily responsible for customer service and refund policies unless we intervene under program rules.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
Refunds may be processed through the platform where supported. You authorise debits from your Balance for refunds you approve. Abuse of refund flows may lead to suspension.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
Timing of availability of funds for withdrawal may vary based on risk review, banking hours, holidays, and partner processes. We do not guarantee instant settlement.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
Xtrapay retains rights in software, branding, and documentation. We grant you a limited, revocable licence to use the Services during your active account. You retain rights in your Content but grant us a licence to host and process it to operate the Services.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
Non-public information about the Services must not be misused. Feedback you provide may be used without obligation to you.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
Our Privacy Policy explains data handling. You must provide lawful privacy notices to your Customers.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
We strive for reliable operation but do not guarantee uninterrupted access. Maintenance, upgrades, or third-party outages may occur. Beta features are provided without warranty and may change.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
To the fullest extent permitted by law, the Services are provided "as is" and "as available". We disclaim implied warranties of merchantability, fitness for a particular purpose, and non-infringement where allowed.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
Subject to applicable law, our aggregate liability arising from the Services is limited to fees you paid us in the three (3) months before the claim (or a statutory minimum if none). We are not liable for indirect, consequential, special, or punitive damages except where prohibited.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
You will defend and indemnify Xtrapay and its affiliates against third-party claims arising from your Content, products, misuse of the Services, or breach of these Terms, except to the extent caused by our wilful misconduct.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
You may stop using the Services at any time. We may suspend or terminate for breach, risk, inactivity, or legal requirement.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
Upon termination, access ends and provisions on fees, liability, indemnity, disputes, and records survive. We may remit remaining eligible Balances after offsets, holds, and compliance reviews.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
Neither party is liable for delay or failure due to events beyond reasonable control, including natural disasters, war, labour disputes, government actions, or widespread telecommunications failure.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
These Terms are governed by the laws of the Federal Republic of Nigeria. Parties will attempt good-faith resolution via support channels before litigation. Courts in Nigeria shall have jurisdiction unless mandatory law provides otherwise.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
We may provide notices via email, dashboard messages, or website posting. You must keep contact details current.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
You may not assign these Terms without our consent. We may assign in connection with corporate transactions.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
If a provision is unenforceable, the remainder stays in effect. These Terms, referenced policies, and order forms constitute the entire agreement regarding the Services.
You acknowledge that operational details, thresholds, and enablement criteria may vary by account type, verification status, and product module without prior notice where permitted by law.
We may modify these Terms by posting an updated version. Continued use after the effective date constitutes acceptance unless a stricter rule applies.