Terms of Service

NPTEX Pay is operated by NPTEX Ltd, a company registered in Rwanda (company code and TIN 111798628), with its registered office in Kanombe, Kigali (“NPTEX”, “we”, “us”).

These Terms govern your use of the NPTEX Pay dashboard, API and hosted checkout (together, the “Services”) on behalf of the business you represent (the “Merchant”).

By selecting “I agree” you confirm that you have read these Terms and the Privacy Policy, that you accept them, and that you are authorised to bind the Merchant. We record the version you accepted, the date, time and the device information sent by your browser.

When these Terms change materially, we will ask you to accept the new version before you can continue using the Services.

NPTEX Pay lets Merchants accept payments by mobile money and card, send payouts and refunds, and track balances. Payment processing is performed by licensed payment service providers and financial institutions we partner with. NPTEX is not a bank and does not take deposits.

Test mode is provided for integration. No real money moves in test mode, and test data may be deleted at any time.

• Keep your password, API keys and webhook secrets confidential. You are responsible for activity carried out with them.
• “Remember me” keeps you signed in on that device for up to 30 days. Do not use it on shared devices.
• Tell us immediately at security@cyrenes.io if you suspect unauthorised access.
• We may suspend access to protect the Merchant, customers or the Services.

• Provide accurate business and identity information and keep it up to date, including for know-your-customer checks.
• Use the Services only for lawful goods and services, in line with the rules of the payment networks and our providers.
• Describe your products, prices and refund policy clearly to your customers and handle their complaints.
• Do not split, disguise or process payments on behalf of others without our written approval.

Successful payments, net of the fees shown in your dashboard, are credited to your balance and settled to your registered account according to your settlement schedule. Payouts and refunds are drawn from your available balance and may require a second approval above limits you set.

We may hold or reverse funds for payments that are disputed, reversed by a provider, fraudulent, or made in breach of these Terms. Fees are listed in your dashboard and may change with 30 days’ notice.

We process personal data as described in the Privacy Policy and in line with Law Nº 058/2021 of 13/10/2021 relating to the protection of personal data and privacy. Each party keeps the other’s non-public information confidential.

We work to keep the Services available and accurate but cannot guarantee uninterrupted operation, in particular where third-party networks are unavailable. To the extent permitted by law, NPTEX is not liable for indirect or consequential losses, and our total liability in any 12-month period is limited to the fees you paid us in that period.

Either party may end the Services with 30 days’ written notice. We may suspend or end them immediately for fraud, legal or regulatory requirements, or serious breach. Balances owed to you are settled after any reserves and pending disputes are resolved.

These Terms are governed by the laws of the Republic of Rwanda. Disputes go first to good-faith negotiation, then to the competent courts of Kigali.

NPTEX Ltd, Kanombe, Kigali, Rwanda · support@cyrenes.io