Terms of Use

You must provide accurate information, use an account you are authorised to control and complete the verification required for the product or transaction. Business users must be authorised to act for the business.

• Keep your phone, WhatsApp account, ChatPay PIN and verification codes secure.
• Enter a PIN only inside ChatPay's secure form, never in ordinary chat or to a person claiming to be support.
• Tell us promptly if you suspect unauthorised access, fraud or an incorrect transaction.
• You are responsible for checking payment details before authorising an instruction.

ChatPay uses regulated banking and service partners to provide wallets, linked-account debits, transfers, airtime, data and bill payments. A transaction may be pending while a partner confirms its final outcome. Do not repeat a pending instruction unless ChatPay clearly tells you it is safe to do so.

We may delay, reject, reverse or review an instruction where required for security, compliance, insufficient funds, service availability or an unresolved provider response. A reversal does not mean the original instruction will be resent.

Applicable charges are shown before confirmation. Limits depend on the product, verification tier, approved policy and provider rules. Current limits are shown in ChatPay; completing an upgrade does not override a provider or regulatory restriction.

ChatPay must not be used for fraud, scams, money laundering, terrorist financing, proliferation financing, illegal goods or services, identity misuse, unauthorised transactions or attempts to evade controls. We may restrict access and make legally required reports without prior notice.

Our Privacy Notice, KYC Notice and AML Statement explain how identity, transaction and compliance information is handled.

We may update these terms to reflect changes in law, partners, products or security needs. Material changes will be communicated through an appropriate ChatPay channel. Nothing in these terms removes rights or responsibilities that cannot lawfully be excluded.

Questions, privacy requests and complaints can be sent to hello@chatpayhq.com.