1. Who we serve: rafiqPay serves registered Nigerian businesses that pass KYB verification and category screening.
2. Prohibited merchant categories: Businesses dealing in gambling, betting and lotteries, alcohol, adult services, or interest-bearing lending are not accepted, and a business that moves into one of these categories after joining may be suspended.
3. Screening: We screen every business when it joins and may review it again at any time. We may decline or suspend a business without giving the detail of our screening.
4. Fees and penalties: Late payments on invoices or failed subscription attempts never incur punitive late fees or interest charges.